Encore Capital Group, Inc. (ECPG) Earnings History
Growth Compounder28 years of earnings data (1998–2025) · Consistent double-digit EPS growth over 5 years
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Encore Capital Group, Inc. (ECPG) Earnings Overview
As of November 8, 2026, Encore Capital Group, Inc. (ECPG) reported trailing twelve-month net income of $351M, reflecting +287.1% year-over-year growth. The company earned $15.77 per diluted share over the past four quarters, with a net profit margin of 17.4%.
Looking at the long-term picture, ECPG's 5-year EPS compound annual growth rate (CAGR) stands at +10.3%, showing solid earnings momentum. The company achieved its highest annual net income of $351M in fiscal 2021.
Encore Capital Group, Inc. maintains industry-leading profitability with a gross margin of 82.4%, operating margin of 42.3%, and net margin of 17.4%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including PRAA ($158M net income, -30.9% margin), FCFS ($406M net income, 9.3% margin), RM ($48M net income, 7.9% margin), ECPG has outperformed on profitability metrics. Compare ECPG vs PRAA →
ECPG Earnings vs Peers
Earnings metrics vs comparable public companies
ECPG Historical Earnings Data (1998–2025)
28 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $257M | +284.4% | $624M | $10.91 | 17.4% | 42.3% |
| 2024 | -$139M | +32.6% | $157M | $-5.83 | -13.1% | 14.8% |
| 2023 | -$206M | -206.1% | $17M | $-8.72 | -20.2% | 1.6% |
| 2022 | $195M | -44.5% | $462M | $7.46 | 15.6% | 37.1% |
| 2021 | $351M | +65.6% | $633M | $11.26 | 24.3% | 43.8% |
| 2020 | $212M | +26.2% | $534M | $6.68 | 16.4% | 41.3% |
| 2019 | $168M | +44.9% | $446M | $5.33 | 14.2% | 37.8% |
| 2018 | $116M | +39.2% | $405M | $4.06 | 10.3% | 36.0% |
| 2017 | $83M | +8.7% | $325M | $3.15 | 8.5% | 33.0% |
| 2016 | $77M | +69.6% | $242M | $2.96 | 9.1% | 28.6% |
| 2015 | $45M | -56.5% | $282M | $1.69 | 4.7% | 29.5% |
| 2014 | $104M | +37.8% | $308M | $3.77 | 11.7% | 34.8% |
| 2013 | $75M | +8.4% | $198M | $2.87 | 10.7% | 28.2% |
| 2012 | $69M | +14.0% | $155M | $2.69 | 13.0% | 29.1% |
| 2011 | $61M | +24.3% | $120M | $2.37 | 14.2% | 28.0% |
| 2010 | $49M | +48.4% | $94M | $1.95 | 14.2% | 27.2% |
| 2009 | $33M | +138.7% | $67M | $1.37 | 11.0% | 22.2% |
| 2008 | $14M | -8.0% | $39M | $0.59 | 5.9% | 16.6% |
| 2007 | $15M | -37.3% | $52M | $0.64 | 5.9% | 20.5% |
| 2006 | $24M | -22.8% | $72M | $1.03 | 9.4% | 28.1% |
| 2005 | $31M | +34.2% | $84M | $1.30 | 14.0% | 37.9% |
| 2004 | $23M | +25.8% | $73M | $0.99 | 13.0% | 41.2% |
| 2003 | $18M | +33.6% | $43M | $0.88 | 15.7% | 36.2% |
| 2002 | $14M | +226.9% | $28M | $0.84 | 15.3% | 30.4% |
| 2001 | -$11M | +54.2% | $1M | $-1.52 | -22.7% | 2.1% |
| 2000 | -$24M | -23630.0% | -$23M | $-3.20 | -64.9% | -63.2% |
| 1999 | $-100,000 | -101.4% | $2M | $-0.02 | -0.4% | 7.1% |
| 1998 | $7M | - | $16M | $1.49 | 27.1% | 57.6% |
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ECPG — Frequently Asked Questions
Quick answers to the most common questions about buying ECPG stock.
What is ECPG earnings per share (EPS)?
ECPG trailing twelve-month (TTM) diluted EPS is $15.77, reflecting +287.1% year-over-year growth. The 5-year EPS CAGR is +10.3%. Complete EPS history from 1998 to 2025 is available in the table on this page.
What is Encore Capital Group, Inc.'s net income?
Encore Capital Group, Inc. (ECPG) trailing twelve-month net income is $351M as of 2025. Earnings grew +287.1% year-over-year.
Is ECPG profitable?
Yes, ECPG is profitable with a TTM net income of $351M and a net profit margin of +17.4%.
What is ECPG's earnings growth rate?
ECPG compound annual EPS growth rates (CAGR): 1-Year: N/A, 3-Year: +13.5%, 5-Year: +10.3%, 10-Year: +20.5%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1998 to 2025.
What are ECPG's profit margins?
Encore Capital Group, Inc. net profit margin is +17.4%, operating margin is +42.3%, and gross margin is +82.4%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +29.5%.
Is ECPG growing earnings?
Yes, ECPG earnings are accelerating — EPS growth of +287.1% exceeds the 5-year CAGR of +10.3%. TTM net income reached $351M. Earnings momentum is strengthening.
What was ECPG's best earnings year?
Encore Capital Group, Inc.'s highest annual net income on record is $351M, achieved in fiscal year 2021. Earnings history on this page spans 1998 to 2025 and includes all annual and quarterly figures.
What were ECPG's earnings last quarter?
ECPG's most recent reported quarter was Q3 2026. Net income was $124M with diluted EPS of $5.57. For a full breakdown of all quarters, see the quarterly earnings table on this page.