8-K Announcements
6Mar 20, 2026·SEC
Feb 25, 2026·SEC
Nov 5, 2025·SEC
Encore Capital Group, Inc. (ECPG) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Encore Capital Group, Inc. (ECPG) stock price & volume — 10-year historical chart
Encore Capital Group, Inc. (ECPG) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Encore Capital Group, Inc. (ECPG) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Feb 25, 2026 | $3.37vs $2.20+53.2% | $474Mvs $422M+12.2% |
| Q4 2025 | Nov 5, 2025 | $3.17vs $1.92+65.1% | $460Mvs $423M+8.8% |
| Q3 2025 | Aug 6, 2025 | $2.49vs $1.44+72.9% | $442Mvs $393M+12.4% |
| Q2 2025 | May 7, 2025 | $1.93vs $1.24+55.6% | $393Mvs $374M+4.9% |
Encore Capital Group, Inc. (ECPG) competitors in Non-prime and home equity lenders — business model, growth, and fundamentals comparison
Encore Capital Group, Inc. (ECPG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Encore Capital Group, Inc. (ECPG) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -204.16M | -237.35M | -217.77M | -209.36M | -169.65M | -153.31M | -201.88M | -252.54M | -287.63M |
| NII Growth % | -9.91% | -16.26% | 8.25% | 3.86% | 18.97% | 9.63% | -31.68% | -25.1% | -13.89% |
| Net Interest Margin % | -4.55% | -5.12% | -4.44% | -4.3% | -3.68% | -3.4% | -4.36% | -5.27% | -5.39% |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 204.16M | 237.35M | 217.77M | 209.36M | 169.65M | 153.31M | 201.88M | 252.54M | 287.63M |
| Loan Loss Provision | 355.34M | 384.86M | 425.13M | 457.64M | 516.87M | 475.34M | 449.56M | 460.26M | 259.11M |
| Non-Interest Income | 1.19B | 1.36B | 1.4B | 1.5B | 1.61B | 1.4B | 1.22B | 1.32B | 1.76B |
| Non-Interest Income % | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Total Revenue | 1.19B▲ 0% | 1.36B▲ 14.7% | 1.4B▲ 2.6% | 1.5B▲ 7.4% | 1.61B▲ 7.5% | 1.4B▼ 13.4% | 1.22B▼ 12.6% | 1.32B▲ 7.7% | 1.76B▲ 33.9% |
| Revenue Growth % | 15.33% | 14.74% | 2.62% | 7.42% | 7.53% | -13.39% | -12.56% | 7.66% | 33.89% |
| Non-Interest Expense | 303M | 334.51M | 308.44M | 300.84M | 294.71M | 307.53M | 554.7M | 446.23M | 592.22M |
| Efficiency Ratio | 25.53% | 24.56% | 22.07% | 20.04% | 18.25% | 21.99% | 45.37% | 33.9% | 33.6% |
| Operating Income | 324.54M▲ 0% | 405.3M▲ 24.9% | 446.35M▲ 10.1% | 533.56M▲ 19.5% | 633.27M▲ 18.7% | 462.17M▼ 27.0% | 16.54M▼ 96.4% | 157.33M▲ 851.5% | 623.56M▲ 296.3% |
| Operating Margin % | 27.34% | 29.76% | 31.93% | 35.54% | 39.22% | 33.05% | 1.35% | 11.95% | 35.38% |
| Operating Income Growth % | 34.38% | 24.88% | 10.13% | 19.54% | 18.69% | -27.02% | -96.42% | 851.5% | 296.34% |
| Pretax Income | 131.23M▲ 0% | 156.49M▲ 19.3% | 201.24M▲ 28.6% | 282.9M▲ 40.6% | 436.54M▲ 54.3% | 310.99M▼ 28.8% | -180.26M▼ 158.0% | -96.22M▲ 46.6% | 336.16M▲ 449.4% |
| Pretax Margin % | 11.05% | 11.49% | 14.4% | 18.84% | 27.04% | 22.24% | -14.74% | -7.31% | 19.07% |
| Income Tax | 52.05M | 46.75M | 32.33M | 70.37M | 85.34M | 116.42M | 26.23M | 43.03M | 79.33M |
| Effective Tax Rate % | 39.66% | 29.88% | 16.07% | 24.88% | 19.55% | 37.44% | -14.55% | -44.72% | 23.6% |
| Net Income | 83.23M▲ 0% | 115.89M▲ 39.2% | 167.87M▲ 44.9% | 211.85M▲ 26.2% | 350.78M▲ 65.6% | 194.56M▼ 44.5% | -206.49M▼ 206.1% | -139.24M▲ 32.6% | 256.83M▲ 284.4% |
| Net Margin % | 7.01% | 8.51% | 12.01% | 14.11% | 21.73% | 13.91% | -16.89% | -10.58% | 14.57% |
| Net Income Growth % | 8.7% | 39.24% | 44.86% | 26.2% | 65.58% | -44.53% | -206.13% | 32.57% | 284.45% |
| Net Income (Continuing) | 79.18M | 109.74M | 168.91M | 212.52M | 351.2M | 194.56M | -206.49M | -139.24M | 256.83M |
| EPS (Diluted) | 3.15▲ 0% | 4.06▲ 28.9% | 5.33▲ 31.3% | 6.68▲ 25.3% | 11.26▲ 68.6% | 7.46▼ 33.7% | -8.72▼ 216.9% | -5.83▲ 33.1% | 10.91▲ 287.1% |
| EPS Growth % | 6.42% | 28.89% | 31.28% | 25.33% | 68.56% | -33.75% | -216.89% | 33.14% | 287.14% |
| EPS (Basic) | 3.20 | 4.09 | 5.38 | 6.74 | 11.64 | 8.06 | -8.72 | -5.83 | 11.05 |
| Diluted Shares Outstanding | 26.41M | 28.57M | 31.47M | 31.71M | 31.15M | 26.09M | 23.67M | 23.87M | 23.53M |
Encore Capital Group, Inc. (ECPG) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 212.14M | 157.42M | 192.34M | 189.18M | 189.65M | 143.91M | 158.36M | 199.87M | 156.78M |
| Cash & Due from Banks | 212.14M | 157.42M | 192.34M | 189.18M | 189.65M | 143.91M | 158.36M | 199.87M | 156.78M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 2.89B | 3.14B | 3.28B | 3.29B | 3.07B | 3.09B | 3.47B | 3.78B | 0 |
| Investments Growth % | 21.31% | 8.55% | 4.66% | 0.24% | -6.88% | 0.74% | 12.31% | 8.88% | -100% |
| Long-Term Investments | 2.89B | 3.14B | 3.28B | 3.29B | 3.07B | 3.09B | 3.47B | 3.78B | 0 |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3.78B | 4.37B |
| Goodwill & Intangibles | 1B | 928.71M | 935.56M | 951.97M | 934.12M | 843.33M | 606.52M | 507.81M | 536.29M |
| Goodwill | 928.99M | 868.13M | 884.18M | 906.96M | 897.79M | 821.21M | 606.48M | 507.81M | 536.29M |
| Intangible Assets | 75.74M | 60.58M | 51.37M | 45.01M | 36.32M | 22.11M | 48K | 0 | 0 |
| PP&E (Net) | 76.28M | 115.52M | 195.31M | 199.46M | 188.67M | 183.97M | 170.98M | 138.69M | 82.08M |
| Other Assets | 363.92M | 328.01M | 205.53M | 109.67M | 109.82M | 166.09M | 158.19M | 112.58M | 0 |
| Total Current Assets | 212.14M | 157.42M | 265.44M | 278.29M | 258.51M | 208.64M | 209.09M | 245.87M | 4.53B |
| Total Non-Current Assets | 4.28B | 4.47B | 4.64B | 4.59B | 4.35B | 4.3B | 4.42B | 4.54B | 618.37M |
| Total Assets | 4.49B▲ 0% | 4.63B▲ 3.1% | 4.91B▲ 6.0% | 4.86B▼ 0.9% | 4.61B▼ 5.3% | 4.51B▼ 2.2% | 4.63B▲ 2.7% | 4.79B▲ 3.4% | 5.34B▲ 11.5% |
| Asset Growth % | 22.35% | 3.14% | 6% | -0.93% | -5.27% | -2.17% | 2.71% | 3.44% | 11.48% |
| Return on Assets (ROA) | 2.04% | 2.54% | 3.52% | 4.33% | 7.41% | 4.27% | -4.52% | -2.96% | 5.07% |
| Accounts Payable | 284.77M | 287.94M | 223.91M | 0 | 0 | 0 | 173.93M | 212.04M | 0 |
| Total Debt | 3.45B | 3.49B | 3.51B | 3.28B | 3B | 2.9B | 3.32B | 3.67B | 0 |
| Net Debt | 3.23B | 3.33B | 3.32B | 3.09B | 2.81B | 2.75B | 3.16B | 3.47B | -156.78M |
| Long-Term Debt | 3.44B | 3.37B | 2.42B | 2.65B | 2.48B | 2.82B | 3.29B | 3.67B | 0 |
| Short-Term Debt | 0 | 115.38M | 1.09B | 627.56M | 514.11M | 68.39M | 29.31M | 0 | 0 |
| Other Liabilities | 34.03M | 141.36M | 147.44M | 146.89M | 195.95M | 231.69M | 185.99M | 116.09M | 0 |
| Total Current Liabilities | 284.77M | 287.94M | 1.31B | 843.48M | 743.69M | 266.61M | 219.24M | 233.54M | 0 |
| Total Non-Current Liabilities | 3.48B | 3.52B | 2.57B | 2.8B | 2.68B | 3.06B | 3.47B | 3.79B | 0 |
| Total Liabilities | 3.77B | 3.81B | 3.88B | 3.64B | 3.42B | 3.33B | 3.69B | 4.02B | 4.36B |
| Total Equity | 723.91M▲ 0% | 819.69M▲ 13.2% | 1.03B▲ 25.1% | 1.22B▲ 19.0% | 1.19B▼ 2.9% | 1.18B▼ 0.5% | 936.54M▼ 20.6% | 767.33M▼ 18.1% | 976.75M▲ 27.3% |
| Equity Growth % | 20.55% | 13.23% | 25.1% | 18.98% | -2.85% | -0.48% | -20.61% | -18.07% | 27.29% |
| Equity / Assets (Capital Ratio) | 16.12% | 17.7% | 20.88% | 25.08% | 25.72% | 26.17% | 20.23% | 16.02% | 18.29% |
| Return on Equity (ROE) | 12.57% | 15.02% | 18.2% | 18.87% | 29.17% | 16.45% | -19.52% | -16.34% | 29.45% |
| Book Value per Share | 27.42 | 28.69 | 32.58 | 38.48 | 38.05 | 45.21 | 39.57 | 32.14 | 41.50 |
| Tangible BV per Share | -10.64 | -3.82 | 2.85 | 8.45 | 8.06 | 12.89 | 13.94 | 10.87 | 18.72 |
| Common Stock | 258K | 309K | 311K | 313K | 245K | 233K | 235K | 237K | 217K |
| Additional Paid-in Capital | 42.65M | 208.5M | 222.59M | 230.44M | 0 | 0 | 11.05M | 19.3M | 0 |
| Retained Earnings | 616.31M | 720.19M | 888.06M | 1.06B | 1.24B | 1.28B | 1.05B | 909.93M | 0 |
| Accumulated OCI | -77.36M | -110.99M | -88.77M | -68.81M | -53.55M | -98.82M | -123.92M | -162.13M | -128.11M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 616.31M | 720.19M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Encore Capital Group, Inc. (ECPG) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 123.82M | 186.79M | 244.73M | 312.86M | 303.05M | 210.68M | 152.99M | 156.17M | 153.2M |
| Operating CF Growth % | -5% | 50.86% | 31.02% | 27.84% | -3.14% | -30.48% | -27.38% | 2.08% | -1.9% |
| Net Income | 79.18M | 109.74M | 168.91M | 212.52M | 351.2M | 194.56M | -206.49M | -139.24M | 256.83M |
| Depreciation & Amortization | 39.98M | 41.23M | 41.03M | 42.78M | 50.08M | 46.42M | 41.74M | 32.43M | 28.76M |
| Deferred Taxes | 28.97M | 16.81M | 20.71M | 11.9M | 35.37M | 46.41M | -55.92M | -22.28M | 29.82M |
| Other Non-Cash Items | -5.56M | 1.77M | 62.44M | 83.77M | -154.92M | -54.4M | 354.36M | 243.09M | -180.48M |
| Working Capital Changes | -29.14M | 4.26M | -60.91M | -54.67M | 2.99M | -37.72M | 5.45M | 28.16M | 0 |
| Cash from Investing | -452.13M | -397.52M | -202.33M | 82.83M | 339.9M | -130.24M | -401.94M | -440.43M | -242.59M |
| Purchase of Investments | -1.05B | -1.13B | -1.04B | -644.05M | -657.28M | -790.57M | -1.09B | 0 | 0 |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 0 | 0 |
| Net Investment Activity | -1.04B | -1.13B | -1.03B | -643.05M | -656.28M | -789.57M | -1.09B | 0 | 0 |
| Acquisitions | -96.39M | -1.88M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | 8.79M | -6.76M | 6.82M | 24.34M | 10.92M | 27.72M | 78.74M | -411.42M | -216.32M |
| Cash from Financing | 378.22M | 166.38M | -19.77M | -403.2M | -655.69M | -107.44M | 268.3M | 317.77M | 44.85M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | -390.61M | -87.01M | 0 | 0 | -90.4M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 0 | 0 | 0 | 0 | -390.61M | -87.01M | 0 | 0 | -90.4M |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K | 1000K | 0 |
| Other Financing | -57.83M | -285.59M | -36.18M | -40.82M | -12.21M | -24.02M | -7.04M | -56.48M | 44.85M |
| Net Change in Cash | 62.37M▲ 0% | -54.72M▼ 187.7% | 34.92M▲ 163.8% | -3.15M▼ 109.0% | 461K▲ 114.6% | -45.73M▼ 10020.4% | 14.45M▲ 131.6% | 41.5M▲ 187.2% | -43.08M▼ 203.8% |
| Exchange Rate Effect | 1000K | -1000K | 1000K | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K |
| Cash at Beginning | 149.76M | 212.14M | 157.42M | 192.34M | 189.18M | 189.65M | 143.91M | 158.36M | 199.87M |
| Cash at End | 212.14M | 157.42M | 192.34M | 189.18M | 189.65M | 143.91M | 158.36M | 199.87M | 156.78M |
| Interest Paid | 162.54M | 198.8M | 178.95M | 169.55M | 132.4M | 131.39M | 163.81M | 210.58M | 0 |
| Income Taxes Paid | 42.38M | 5.73M | 43.97M | 88.82M | 42.04M | 71.28M | 68.52M | 67.09M | 0 |
| Free Cash Flow | 95.69M▲ 0% | 119.32M▲ 24.7% | 205.13M▲ 71.9% | 278.26M▲ 35.7% | 269.68M▼ 3.1% | 134.12M▼ 50.3% | 101.28M▼ 24.5% | 127.16M▲ 25.6% | 126.93M▼ 0.2% |
| FCF Growth % | -3.01% | 24.69% | 71.92% | 35.65% | -3.08% | -50.27% | -24.48% | 25.55% | -0.18% |
Encore Capital Group, Inc. (ECPG) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 12.26% | 12.57% | 15.02% | 18.2% | 18.87% | 29.17% | 16.45% | -19.52% | -16.34% | 29.45% |
| Return on Assets (ROA) | 1.94% | 2.04% | 2.54% | 3.52% | 4.33% | 7.41% | 4.27% | -4.52% | -2.96% | 5.07% |
| Net Interest Margin | -5.06% | -4.55% | -5.12% | -4.44% | -4.3% | -3.68% | -3.4% | -4.36% | -5.27% | -5.39% |
| Efficiency Ratio | 26.2% | 25.53% | 24.56% | 22.07% | 20.04% | 18.25% | 21.99% | 45.37% | 33.9% | 33.6% |
| Equity / Assets | 16.36% | 16.12% | 17.7% | 20.88% | 25.08% | 25.72% | 26.17% | 20.23% | 16.02% | 18.29% |
| Book Value / Share | 23.18 | 27.42 | 28.69 | 32.58 | 38.48 | 38.05 | 45.21 | 39.57 | 32.14 | 41.5 |
| NII Growth | -26.94% | -9.91% | -16.26% | 8.25% | 3.86% | 18.97% | 9.63% | -31.68% | -25.1% | -13.89% |
Encore Capital Group, Inc. (ECPG) SEC filings — annual & quarterly reports (10-K, 10-Q)
Mar 20, 2026·SEC
Feb 25, 2026·SEC
Nov 5, 2025·SEC
Encore Capital Group, Inc. (ECPG) stock FAQ — growth, dividends, profitability & financials explained
Encore Capital Group, Inc. (ECPG) grew revenue by 33.9% over the past year. This is strong growth.
Yes, Encore Capital Group, Inc. (ECPG) is profitable, generating $256.8M in net income for fiscal year 2025 (14.6% net margin).
Encore Capital Group, Inc. (ECPG) has a return on equity (ROE) of 29.5%. This is excellent, indicating efficient use of shareholder capital.
Encore Capital Group, Inc. (ECPG) has a net interest margin (NIM) of -5.4%. NIM has been under pressure due to interest rate environment.
Encore Capital Group, Inc. (ECPG) has an efficiency ratio of 33.6%. This is excellent, indicating strong cost control.
Encore Capital Group, Inc. (ECPG) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates