Encore Capital Group, Inc. (ECPG) 10-Year Financial Performance & Capital Metrics

ECPG • • Banking & Credit

Financial ServicesMortgage FinanceMortgage Investment & Portfolio ManagementDebt Recovery & Portfolio Management

AboutEncore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide. The company purchases portfolios of defaulted consumer receivables at deep discounts to face value, as well as manages them by working with individuals as they repay their obligations and works toward financial recovery. It is also involved in the provision of early stage collection, business process outsourcing, and contingent collection services, as well as debt servicing and other portfolio management services to credit originator for non-performing loans. The company was incorporated in 1999 and is headquartered in San Diego, California.Show more

Net Interest Income -$253M -25.1%
Total Revenue $1.32B +7.7%
Net Income -$139M +32.6%
Return on Equity -16.34% +16.2%
Net Interest Margin -5.27% -20.9%
Efficiency Ratio 33.9% -25.3%
ROA -2.96% +34.6%
Equity / Assets 16.02% -20.8%
Book Value per Share 32.14 -18.8%
Tangible BV/Share 10.87 -22.0%
Debt/Equity 4.79 +35.1%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 33.9% efficiency ratio
✓Momentum leader: RS Rating 81 (top 19%)
✓Well capitalized: 16.0% equity/assets
✓Diversified revenue: 100.0% from non-interest income
✓Trading near 52-week high

✗Weaknesses

✗High debt to equity ratio of 4.8x
✗Weak NIM of -5.3%

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y2.35%

5Y-1.19%

3Y-6.58%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM75.57%

EPS CAGR

10Y-

5Y-

3Y-

TTM77.15%

ROCE

10Y Avg8.87%

5Y Avg9.07%

3Y Avg5.1%

Latest3.51%

Peer Comparison

Debt Recovery & Portfolio Management

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
ECPGEncore Capital Group, Inc.	1.25B	56.10	-9.62	7.66%	-10.58%	-4.74%	10.16%	4.79

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	-146.32M	-185.75M	-204.16M	-237.35M	-217.77M	-209.36M	-169.65M	-153.31M	-201.88M	-252.54M
NII Growth %	-0.13%	-0.27%	-0.1%	-0.16%	0.08%	0.04%	0.19%	0.1%	-0.32%	-0.25%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	28.44M	0	0	0	0	0	0	0	0	0
Interest Expense	174.76M	185.75M	204.16M	237.35M	217.77M	209.36M	169.65M	153.31M	201.88M	252.54M
Loan Loss Provision	355.22M	332.34M	355.34M	384.86M	425.13M	457.64M	516.87M	475.34M	449.56M	460.26M
Non-Interest Income+	1.1B	1.03B	1.19B	1.36B	1.4B	1.5B	1.61B	1.4B	1.22B	1.32B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	1.13B	1.03B	1.19B	1.36B	1.4B	1.5B	1.61B	1.4B	1.22B	1.32B
Revenue Growth %	0.08%	-0.09%	0.15%	0.15%	0.03%	0.07%	0.08%	-0.13%	-0.13%	0.08%
Non-Interest Expense	317.73M	269.65M	303M	334.51M	308.44M	300.84M	294.71M	307.53M	554.7M	446.23M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	282.25M	241.51M	324.54M	405.3M	446.35M	533.56M	633.27M	462.17M	16.54M	157.33M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.08%	-0.14%	0.34%	0.25%	0.1%	0.2%	0.19%	-0.27%	-0.96%	8.51%
Pretax Income+	97.93M	57.38M	131.23M	156.49M	201.24M	282.9M	436.54M	310.99M	-180.26M	-96.22M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	27.16M	38.2M	52.05M	46.75M	32.33M	70.37M	85.34M	116.42M	26.23M	43.03M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	45.13M	76.57M	83.23M	115.89M	167.87M	211.85M	350.78M	194.56M	-206.49M	-139.24M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.56%	0.7%	0.09%	0.39%	0.45%	0.26%	0.66%	-0.45%	-2.06%	0.33%
Net Income (Continuing)	70.77M	19.17M	79.18M	109.74M	168.91M	212.52M	351.2M	194.56M	-206.49M	-139.24M
EPS (Diluted)+	1.69	2.96	3.15	4.06	5.33	6.68	11.26	7.46	-8.72	-5.83
EPS Growth %	-0.55%	0.75%	0.06%	0.29%	0.31%	0.25%	0.69%	-0.34%	-2.17%	0.33%
EPS (Basic)	1.75	2.98	3.20	4.09	5.38	6.74	11.64	8.06	-8.72	-5.83
Diluted Shares Outstanding	26.65M	25.91M	26.41M	28.57M	31.47M	31.71M	31.15M	26.09M	23.67M	23.87M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	153.59M	149.76M	212.14M	157.42M	192.34M	189.18M	189.65M	143.91M	158.36M	199.87M
Short Term Investments	0	0	0	0	0	0	0	0	0	0
Total Investments+	2.44B	2.38B	2.89B	3.14B	3.28B	3.29B	3.07B	3.09B	3.47B	3.78B
Investments Growth %	0.14%	-0.02%	0.21%	0.09%	0.05%	0%	-0.07%	0.01%	0.12%	0.09%
Long-Term Investments	2.44B	2.38B	2.89B	3.14B	3.28B	3.29B	3.07B	3.09B	3.47B	3.78B
Accounts Receivables	0	0	0	0	0	0	0	0	0	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	924.85M	785.03M	928.99M	868.13M	884.18M	906.96M	897.79M	821.21M	606.48M	507.81M
Intangible Assets	15.71M	28.24M	75.74M	60.58M	51.37M	45.01M	36.32M	22.11M	48K	0
PP&E (Net)	73.5M	72.26M	76.28M	115.52M	195.31M	199.46M	188.67M	183.97M	170.98M	138.69M
Other Assets	293.55M	229.56M	363.92M	328.01M	205.53M	109.67M	109.82M	166.09M	158.19M	112.58M
Total Current Assets	459.97M	149.76M	212.14M	157.42M	265.44M	278.29M	258.51M	208.64M	209.09M	245.87M
Total Non-Current Assets	3.76B	3.52B	4.28B	4.47B	4.64B	4.59B	4.35B	4.3B	4.42B	4.54B
Total Assets+	4.22B	3.67B	4.49B	4.63B	4.91B	4.86B	4.61B	4.51B	4.63B	4.79B
Asset Growth %	0.13%	-0.13%	0.22%	0.03%	0.06%	-0.01%	-0.05%	-0.02%	0.03%	0.03%
Return on Assets (ROA)	0.01%	0.02%	0.02%	0.03%	0.04%	0.04%	0.07%	0.04%	-0.05%	-0.03%
Accounts Payable	290.61M	234.4M	284.77M	287.94M	223.91M	0	0	0	173.93M	212.04M
Total Debt+	3.22B	2.81B	3.45B	3.49B	3.51B	3.28B	3B	2.9B	3.32B	3.67B
Net Debt	3.06B	2.66B	3.23B	3.33B	3.32B	3.09B	2.81B	2.75B	3.16B	3.47B
Long-Term Debt	2.93B	2.8B	3.44B	3.37B	2.42B	2.65B	2.48B	2.82B	3.29B	3.67B
Short-Term Debt	0	0	0	115.38M	1.09B	627.56M	514.11M	68.39M	29.31M	0
Other Liabilities	333.06M	29.6M	34.03M	141.36M	147.44M	146.89M	195.95M	231.69M	185.99M	116.09M
Total Current Liabilities	294.24M	234.4M	284.77M	287.94M	1.31B	843.48M	743.69M	266.61M	219.24M	233.54M
Total Non-Current Liabilities	3.28B	2.84B	3.48B	3.52B	2.57B	2.8B	2.68B	3.06B	3.47B	3.79B
Total Liabilities	3.57B	3.07B	3.77B	3.81B	3.88B	3.64B	3.42B	3.33B	3.69B	4.02B
Total Equity+	648.49M	600.51M	723.91M	819.69M	1.03B	1.22B	1.19B	1.18B	936.54M	767.33M
Equity Growth %	-0.02%	-0.07%	0.21%	0.13%	0.25%	0.19%	-0.03%	-0%	-0.21%	-0.18%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.07%	0.12%	0.13%	0.15%	0.18%	0.19%	0.29%	0.16%	-0.2%	-0.16%
Book Value per Share	24.34	23.18	27.42	28.69	32.58	38.48	38.05	45.21	39.57	32.14
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	253K	256K	258K	309K	311K	313K	245K	233K	235K	237K
Additional Paid-in Capital	110.53M	103.39M	42.65M	208.5M	222.59M	230.44M	0	0	11.05M	19.3M
Retained Earnings	543.49M	560.57M	616.31M	720.19M	888.06M	1.06B	1.24B	1.28B	1.05B	909.93M
Accumulated OCI	-57.82M	-104.91M	-77.36M	-110.99M	-88.77M	-68.81M	-53.55M	-98.82M	-123.92M	-162.13M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	560.57M	616.31M	720.19M	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	116.15M	130.33M	123.82M	186.79M	244.73M	312.86M	303.05M	210.68M	152.99M	156.17M
Operating CF Growth %	0.04%	0.12%	-0.05%	0.51%	0.31%	0.28%	-0.03%	-0.3%	-0.27%	0.02%
Net Income	70.77M	19.17M	79.18M	109.74M	168.91M	212.52M	351.2M	194.56M	-206.49M	-139.24M
Depreciation & Amortization	33.16M	34.87M	39.98M	41.23M	41.03M	42.78M	50.08M	46.42M	41.74M	32.43M
Deferred Taxes	-16.66M	-52.91M	28.97M	16.81M	20.71M	11.9M	35.37M	46.41M	-55.92M	-22.28M
Other Non-Cash Items	26.67M	109.08M	-5.56M	1.77M	62.44M	83.77M	-154.92M	-54.4M	354.36M	243.09M
Working Capital Changes	-19.8M	7.49M	-29.14M	4.26M	-60.91M	-54.67M	2.99M	-37.72M	5.45M	28.16M
Cash from Investing+	-472.71M	-168.79M	-452.13M	-397.52M	-202.33M	82.83M	339.9M	-130.24M	-401.94M	-440.43M
Purchase of Investments	-749.76M	-907.41M	-1.05B	-1.13B	-1.04B	-644.05M	-657.28M	-790.57M	-1.09B	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-276.57M	105.37M	-96.39M	-1.88M	0	0	0	0	0	0
Other Investing	-53.65M	-3.19M	8.79M	-6.76M	6.82M	24.34M	10.92M	27.72M	78.74M	-411.42M
Cash from Financing+	400.12M	43.25M	378.22M	166.38M	-19.77M	-403.2M	-655.69M	-107.44M	268.3M	317.77M
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	-33.19M	0	0	0	0	0	-390.61M	-87.01M	0	0
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	1000K	1000K	1000K	-1000K	-1000K	1000K	1000K	1000K
Other Financing	-26.44M	-37.75M	-57.83M	-285.59M	-36.18M	-40.82M	-12.21M	-24.02M	-7.04M	-56.48M
Net Change in Cash+	29.43M	-3.83M	62.37M	-54.72M	34.92M	-3.15M	461K	-45.73M	14.45M	41.5M
Exchange Rate Effect	-1000K	-1000K	1000K	-1000K	1000K	1000K	1000K	-1000K	-1000K	1000K
Cash at Beginning	124.16M	153.59M	149.76M	212.14M	157.42M	192.34M	189.18M	189.65M	143.91M	158.36M
Cash at End	153.59M	149.76M	212.14M	157.42M	192.34M	189.18M	189.65M	143.91M	158.36M	199.87M
Interest Paid	151.95M	147.9M	162.54M	198.8M	178.95M	169.55M	132.4M	131.39M	163.81M	210.58M
Income Taxes Paid	84.1M	60.07M	42.38M	5.73M	43.97M	88.82M	42.04M	71.28M	68.52M	67.09M
Free Cash Flow+	87.53M	98.66M	95.69M	119.32M	205.13M	278.26M	269.68M	134.12M	101.28M	127.16M
FCF Growth %	-0.01%	0.13%	-0.03%	0.25%	0.72%	0.36%	-0.03%	-0.5%	-0.24%	0.26%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	6.87%	12.26%	12.57%	15.02%	18.2%	18.87%	29.17%	16.45%	-19.52%	-16.34%
Return on Assets (ROA)	1.13%	1.94%	2.04%	2.54%	3.52%	4.33%	7.41%	4.27%	-4.52%	-2.96%
Net Interest Margin	-3.47%	-5.06%	-4.55%	-5.12%	-4.44%	-4.3%	-3.68%	-3.4%	-4.36%	-5.27%
Efficiency Ratio	28.12%	26.2%	25.53%	24.56%	22.07%	20.04%	18.25%	21.99%	45.37%	33.9%
Equity / Assets	15.37%	16.36%	16.12%	17.7%	20.88%	25.08%	25.72%	26.17%	20.23%	16.02%
Book Value / Share	24.34	23.18	27.42	28.69	32.58	38.48	38.05	45.21	39.57	32.14
NII Growth	-12.62%	-26.94%	-9.91%	-16.26%	8.25%	3.86%	18.97%	9.63%	-31.68%	-25.1%

Revenue by Segment

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Tax Lien Business	31.61M	4.95M	-	-	-	-	-	-	-	-
Tax Lien Business Growth	-	-84.34%	-	-	-	-	-	-	-	-
Portfolio Purchasing And Recovery	1.13B	-	-	-	-	-	-	-	-	-
Portfolio Purchasing And Recovery Growth	-	-	-	-	-	-	-	-	-	-

Revenue by Geography

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
UNITED STATES	741.01M	669.64M	665.56M	709.49M	817.69M	992.92M	1.12B	995.47M	792.44M	991.95M
UNITED STATES Growth	-	-9.63%	-0.61%	6.60%	15.25%	21.43%	12.35%	-10.77%	-20.40%	25.18%
Europe	376.06M	270.41M	427.65M	556.26M	520.43M	490.38M	486.53M	402.7M	429.87M	322.17M
Europe Growth	-	-28.09%	58.15%	30.07%	-6.44%	-5.77%	-0.79%	-17.23%	6.75%	-25.05%
Other European Countries	-	-	-	-	-	-	-	129.74M	134.3M	89.61M
Other European Countries Growth	-	-	-	-	-	-	-	-	3.52%	-33.27%
Other Geographies	44.51M	89.21M	93.82M	96.27M	59.55M	18.1M	12.4M	178K	370K	2.24M
Other Geographies Growth	-	100.44%	5.17%	2.61%	-38.14%	-69.61%	-31.50%	-98.56%	107.87%	505.41%
Non-US	-	-	-	-	-	-	498.93M	-	-	-
Non-US Growth	-	-	-	-	-	-	-	-	-	-

Frequently Asked Questions

Growth & Financials

Encore Capital Group, Inc. (ECPG) grew revenue by 7.7% over the past year. This is steady growth.

Encore Capital Group, Inc. (ECPG) reported a net loss of $45.1M for fiscal year 2024.

Dividend & Returns

Encore Capital Group, Inc. (ECPG) has a return on equity (ROE) of -16.3%. Negative ROE indicates the company is unprofitable.

Industry Metrics

Encore Capital Group, Inc. (ECPG) has a net interest margin (NIM) of -5.3%. NIM has been under pressure due to interest rate environment.

Encore Capital Group, Inc. (ECPG) has an efficiency ratio of 33.9%. This is excellent, indicating strong cost control.

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Encore Capital Group, Inc. (ECPG) 10-Year Financial Performance & Capital Metrics

ECPG • • Banking & Credit

Financial ServicesMortgage FinanceMortgage Investment & Portfolio ManagementDebt Recovery & Portfolio Management

Net Interest Income -$253M -25.1%
Total Revenue $1.32B +7.7%
Net Income -$139M +32.6%
Return on Equity -16.34% +16.2%
Net Interest Margin -5.27% -20.9%
Efficiency Ratio 33.9% -25.3%
ROA -2.96% +34.6%
Equity / Assets 16.02% -20.8%
Book Value per Share 32.14 -18.8%
Tangible BV/Share 10.87 -22.0%
Debt/Equity 4.79 +35.1%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 33.9% efficiency ratio
✓Momentum leader: RS Rating 81 (top 19%)
✓Well capitalized: 16.0% equity/assets
✓Diversified revenue: 100.0% from non-interest income
✓Trading near 52-week high

✗Weaknesses

✗High debt to equity ratio of 4.8x
✗Weak NIM of -5.3%

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y2.35%

5Y-1.19%

3Y-6.58%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM75.57%

EPS CAGR

10Y-

5Y-

3Y-

TTM77.15%

ROCE

10Y Avg8.87%

5Y Avg9.07%

3Y Avg5.1%

Latest3.51%

Peer Comparison

Debt Recovery & Portfolio Management

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
ECPGEncore Capital Group, Inc.	1.25B	56.10	-9.62	7.66%	-10.58%	-4.74%	10.16%	4.79

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	-146.32M	-185.75M	-204.16M	-237.35M	-217.77M	-209.36M	-169.65M	-153.31M	-201.88M	-252.54M
NII Growth %	-0.13%	-0.27%	-0.1%	-0.16%	0.08%	0.04%	0.19%	0.1%	-0.32%	-0.25%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	28.44M	0	0	0	0	0	0	0	0	0
Interest Expense	174.76M	185.75M	204.16M	237.35M	217.77M	209.36M	169.65M	153.31M	201.88M	252.54M
Loan Loss Provision	355.22M	332.34M	355.34M	384.86M	425.13M	457.64M	516.87M	475.34M	449.56M	460.26M
Non-Interest Income+	1.1B	1.03B	1.19B	1.36B	1.4B	1.5B	1.61B	1.4B	1.22B	1.32B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	1.13B	1.03B	1.19B	1.36B	1.4B	1.5B	1.61B	1.4B	1.22B	1.32B
Revenue Growth %	0.08%	-0.09%	0.15%	0.15%	0.03%	0.07%	0.08%	-0.13%	-0.13%	0.08%
Non-Interest Expense	317.73M	269.65M	303M	334.51M	308.44M	300.84M	294.71M	307.53M	554.7M	446.23M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	282.25M	241.51M	324.54M	405.3M	446.35M	533.56M	633.27M	462.17M	16.54M	157.33M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-0.08%	-0.14%	0.34%	0.25%	0.1%	0.2%	0.19%	-0.27%	-0.96%	8.51%
Pretax Income+	97.93M	57.38M	131.23M	156.49M	201.24M	282.9M	436.54M	310.99M	-180.26M	-96.22M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	27.16M	38.2M	52.05M	46.75M	32.33M	70.37M	85.34M	116.42M	26.23M	43.03M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	45.13M	76.57M	83.23M	115.89M	167.87M	211.85M	350.78M	194.56M	-206.49M	-139.24M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-0.56%	0.7%	0.09%	0.39%	0.45%	0.26%	0.66%	-0.45%	-2.06%	0.33%
Net Income (Continuing)	70.77M	19.17M	79.18M	109.74M	168.91M	212.52M	351.2M	194.56M	-206.49M	-139.24M
EPS (Diluted)+	1.69	2.96	3.15	4.06	5.33	6.68	11.26	7.46	-8.72	-5.83
EPS Growth %	-0.55%	0.75%	0.06%	0.29%	0.31%	0.25%	0.69%	-0.34%	-2.17%	0.33%
EPS (Basic)	1.75	2.98	3.20	4.09	5.38	6.74	11.64	8.06	-8.72	-5.83
Diluted Shares Outstanding	26.65M	25.91M	26.41M	28.57M	31.47M	31.71M	31.15M	26.09M	23.67M	23.87M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	153.59M	149.76M	212.14M	157.42M	192.34M	189.18M	189.65M	143.91M	158.36M	199.87M
Short Term Investments	0	0	0	0	0	0	0	0	0	0
Total Investments+	2.44B	2.38B	2.89B	3.14B	3.28B	3.29B	3.07B	3.09B	3.47B	3.78B
Investments Growth %	0.14%	-0.02%	0.21%	0.09%	0.05%	0%	-0.07%	0.01%	0.12%	0.09%
Long-Term Investments	2.44B	2.38B	2.89B	3.14B	3.28B	3.29B	3.07B	3.09B	3.47B	3.78B
Accounts Receivables	0	0	0	0	0	0	0	0	0	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	924.85M	785.03M	928.99M	868.13M	884.18M	906.96M	897.79M	821.21M	606.48M	507.81M
Intangible Assets	15.71M	28.24M	75.74M	60.58M	51.37M	45.01M	36.32M	22.11M	48K	0
PP&E (Net)	73.5M	72.26M	76.28M	115.52M	195.31M	199.46M	188.67M	183.97M	170.98M	138.69M
Other Assets	293.55M	229.56M	363.92M	328.01M	205.53M	109.67M	109.82M	166.09M	158.19M	112.58M
Total Current Assets	459.97M	149.76M	212.14M	157.42M	265.44M	278.29M	258.51M	208.64M	209.09M	245.87M
Total Non-Current Assets	3.76B	3.52B	4.28B	4.47B	4.64B	4.59B	4.35B	4.3B	4.42B	4.54B
Total Assets+	4.22B	3.67B	4.49B	4.63B	4.91B	4.86B	4.61B	4.51B	4.63B	4.79B
Asset Growth %	0.13%	-0.13%	0.22%	0.03%	0.06%	-0.01%	-0.05%	-0.02%	0.03%	0.03%
Return on Assets (ROA)	0.01%	0.02%	0.02%	0.03%	0.04%	0.04%	0.07%	0.04%	-0.05%	-0.03%
Accounts Payable	290.61M	234.4M	284.77M	287.94M	223.91M	0	0	0	173.93M	212.04M
Total Debt+	3.22B	2.81B	3.45B	3.49B	3.51B	3.28B	3B	2.9B	3.32B	3.67B
Net Debt	3.06B	2.66B	3.23B	3.33B	3.32B	3.09B	2.81B	2.75B	3.16B	3.47B
Long-Term Debt	2.93B	2.8B	3.44B	3.37B	2.42B	2.65B	2.48B	2.82B	3.29B	3.67B
Short-Term Debt	0	0	0	115.38M	1.09B	627.56M	514.11M	68.39M	29.31M	0
Other Liabilities	333.06M	29.6M	34.03M	141.36M	147.44M	146.89M	195.95M	231.69M	185.99M	116.09M
Total Current Liabilities	294.24M	234.4M	284.77M	287.94M	1.31B	843.48M	743.69M	266.61M	219.24M	233.54M
Total Non-Current Liabilities	3.28B	2.84B	3.48B	3.52B	2.57B	2.8B	2.68B	3.06B	3.47B	3.79B
Total Liabilities	3.57B	3.07B	3.77B	3.81B	3.88B	3.64B	3.42B	3.33B	3.69B	4.02B
Total Equity+	648.49M	600.51M	723.91M	819.69M	1.03B	1.22B	1.19B	1.18B	936.54M	767.33M
Equity Growth %	-0.02%	-0.07%	0.21%	0.13%	0.25%	0.19%	-0.03%	-0%	-0.21%	-0.18%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.07%	0.12%	0.13%	0.15%	0.18%	0.19%	0.29%	0.16%	-0.2%	-0.16%
Book Value per Share	24.34	23.18	27.42	28.69	32.58	38.48	38.05	45.21	39.57	32.14
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	253K	256K	258K	309K	311K	313K	245K	233K	235K	237K
Additional Paid-in Capital	110.53M	103.39M	42.65M	208.5M	222.59M	230.44M	0	0	11.05M	19.3M
Retained Earnings	543.49M	560.57M	616.31M	720.19M	888.06M	1.06B	1.24B	1.28B	1.05B	909.93M
Accumulated OCI	-57.82M	-104.91M	-77.36M	-110.99M	-88.77M	-68.81M	-53.55M	-98.82M	-123.92M	-162.13M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	560.57M	616.31M	720.19M	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	116.15M	130.33M	123.82M	186.79M	244.73M	312.86M	303.05M	210.68M	152.99M	156.17M
Operating CF Growth %	0.04%	0.12%	-0.05%	0.51%	0.31%	0.28%	-0.03%	-0.3%	-0.27%	0.02%
Net Income	70.77M	19.17M	79.18M	109.74M	168.91M	212.52M	351.2M	194.56M	-206.49M	-139.24M
Depreciation & Amortization	33.16M	34.87M	39.98M	41.23M	41.03M	42.78M	50.08M	46.42M	41.74M	32.43M
Deferred Taxes	-16.66M	-52.91M	28.97M	16.81M	20.71M	11.9M	35.37M	46.41M	-55.92M	-22.28M
Other Non-Cash Items	26.67M	109.08M	-5.56M	1.77M	62.44M	83.77M	-154.92M	-54.4M	354.36M	243.09M
Working Capital Changes	-19.8M	7.49M	-29.14M	4.26M	-60.91M	-54.67M	2.99M	-37.72M	5.45M	28.16M
Cash from Investing+	-472.71M	-168.79M	-452.13M	-397.52M	-202.33M	82.83M	339.9M	-130.24M	-401.94M	-440.43M
Purchase of Investments	-749.76M	-907.41M	-1.05B	-1.13B	-1.04B	-644.05M	-657.28M	-790.57M	-1.09B	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-276.57M	105.37M	-96.39M	-1.88M	0	0	0	0	0	0
Other Investing	-53.65M	-3.19M	8.79M	-6.76M	6.82M	24.34M	10.92M	27.72M	78.74M	-411.42M
Cash from Financing+	400.12M	43.25M	378.22M	166.38M	-19.77M	-403.2M	-655.69M	-107.44M	268.3M	317.77M
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	-33.19M	0	0	0	0	0	-390.61M	-87.01M	0	0
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	1000K	1000K	1000K	-1000K	-1000K	1000K	1000K	1000K
Other Financing	-26.44M	-37.75M	-57.83M	-285.59M	-36.18M	-40.82M	-12.21M	-24.02M	-7.04M	-56.48M
Net Change in Cash+	29.43M	-3.83M	62.37M	-54.72M	34.92M	-3.15M	461K	-45.73M	14.45M	41.5M
Exchange Rate Effect	-1000K	-1000K	1000K	-1000K	1000K	1000K	1000K	-1000K	-1000K	1000K
Cash at Beginning	124.16M	153.59M	149.76M	212.14M	157.42M	192.34M	189.18M	189.65M	143.91M	158.36M
Cash at End	153.59M	149.76M	212.14M	157.42M	192.34M	189.18M	189.65M	143.91M	158.36M	199.87M
Interest Paid	151.95M	147.9M	162.54M	198.8M	178.95M	169.55M	132.4M	131.39M	163.81M	210.58M
Income Taxes Paid	84.1M	60.07M	42.38M	5.73M	43.97M	88.82M	42.04M	71.28M	68.52M	67.09M
Free Cash Flow+	87.53M	98.66M	95.69M	119.32M	205.13M	278.26M	269.68M	134.12M	101.28M	127.16M
FCF Growth %	-0.01%	0.13%	-0.03%	0.25%	0.72%	0.36%	-0.03%	-0.5%	-0.24%	0.26%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	6.87%	12.26%	12.57%	15.02%	18.2%	18.87%	29.17%	16.45%	-19.52%	-16.34%
Return on Assets (ROA)	1.13%	1.94%	2.04%	2.54%	3.52%	4.33%	7.41%	4.27%	-4.52%	-2.96%
Net Interest Margin	-3.47%	-5.06%	-4.55%	-5.12%	-4.44%	-4.3%	-3.68%	-3.4%	-4.36%	-5.27%
Efficiency Ratio	28.12%	26.2%	25.53%	24.56%	22.07%	20.04%	18.25%	21.99%	45.37%	33.9%
Equity / Assets	15.37%	16.36%	16.12%	17.7%	20.88%	25.08%	25.72%	26.17%	20.23%	16.02%
Book Value / Share	24.34	23.18	27.42	28.69	32.58	38.48	38.05	45.21	39.57	32.14
NII Growth	-12.62%	-26.94%	-9.91%	-16.26%	8.25%	3.86%	18.97%	9.63%	-31.68%	-25.1%

Revenue by Segment

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Tax Lien Business	31.61M	4.95M	-	-	-	-	-	-	-	-
Tax Lien Business Growth	-	-84.34%	-	-	-	-	-	-	-	-
Portfolio Purchasing And Recovery	1.13B	-	-	-	-	-	-	-	-	-
Portfolio Purchasing And Recovery Growth	-	-	-	-	-	-	-	-	-	-

Revenue by Geography

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
UNITED STATES	741.01M	669.64M	665.56M	709.49M	817.69M	992.92M	1.12B	995.47M	792.44M	991.95M
UNITED STATES Growth	-	-9.63%	-0.61%	6.60%	15.25%	21.43%	12.35%	-10.77%	-20.40%	25.18%
Europe	376.06M	270.41M	427.65M	556.26M	520.43M	490.38M	486.53M	402.7M	429.87M	322.17M
Europe Growth	-	-28.09%	58.15%	30.07%	-6.44%	-5.77%	-0.79%	-17.23%	6.75%	-25.05%
Other European Countries	-	-	-	-	-	-	-	129.74M	134.3M	89.61M
Other European Countries Growth	-	-	-	-	-	-	-	-	3.52%	-33.27%
Other Geographies	44.51M	89.21M	93.82M	96.27M	59.55M	18.1M	12.4M	178K	370K	2.24M
Other Geographies Growth	-	100.44%	5.17%	2.61%	-38.14%	-69.61%	-31.50%	-98.56%	107.87%	505.41%
Non-US	-	-	-	-	-	-	498.93M	-	-	-
Non-US Growth	-	-	-	-	-	-	-	-	-	-

Frequently Asked Questions

Growth & Financials

Encore Capital Group, Inc. (ECPG) grew revenue by 7.7% over the past year. This is steady growth.

Encore Capital Group, Inc. (ECPG) reported a net loss of $45.1M for fiscal year 2024.

Dividend & Returns

Encore Capital Group, Inc. (ECPG) has a return on equity (ROE) of -16.3%. Negative ROE indicates the company is unprofitable.

Industry Metrics

Encore Capital Group, Inc. (ECPG) has a net interest margin (NIM) of -5.3%. NIM has been under pressure due to interest rate environment.

Encore Capital Group, Inc. (ECPG) has an efficiency ratio of 33.9%. This is excellent, indicating strong cost control.