Encore Capital Group, Inc. (ECPG) quarterly income statement — complete revenue, gross profit & net income history
Encore Capital Group, Inc. (ECPG) annual income statement — 28-year revenue, gross profit & net income history
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 |
|---|
| Net Interest Income | -73.91M | 383.29M | -75.19M | -70.55M | -70.52M | -67.2M | -68.5M | -66.91M | -61.38M | -52.47M | -54.5M | -47.05M | -49.98M | -46.84M | -38.76M | -39.31M | -37.05M | -34.63M | -38.09M | -40.87M |
| NII Growth % | -4.81% | 670.36% | -9.78% | -5.45% | -14.89% | -28.09% | -25.68% | -42.19% | -22.79% | -12.02% | -40.62% | -19.71% | -34.89% | -35.23% | -1.76% | 3.83% | 16.09% | 25.56% | -4.62% | 22.84% |
| Net Interest Margin % | -1.33% | 7.03% | -1.41% | -1.34% | -1.36% | -1.35% | -1.43% | -1.34% | -1.27% | -1.12% | -1.18% | -0.99% | -1.02% | -1% | -0.86% | -0.91% | -0.83% | -0.75% | -0.83% | -0.9% |
| Interest Income | 0 | 453.86M | 0 | 0 | 0 | 0 | 11.07M | -3.99M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 73.91M | 70.57M | 75.19M | 70.55M | 70.52M | 67.2M | 79.57M | 62.91M | 61.38M | 52.47M | 54.5M | 47.05M | 49.98M | 46.84M | 38.76M | 39.31M | 37.05M | 34.63M | 38.09M | 40.87M |
| Loan Loss Provision | 231.06M | 73.53M | -44.36M | 133.18M | 47.22M | 38.73M | 102.32M | 76.39M | 116.98M | 117.87M | 108.06M | 112.33M | 113.41M | 119.27M | 113.64M | 110.71M | 126.9M | 127.64M | 122.86M | 129.92M |
| Non-Interest Income | 491.87M | 19.08M | 473.55M | 460.35M | 442.12M | 392.77M | 254.55M | 371.06M | 355.29M | 328.39M | 277.39M | 309.62M | 323.04M | 312.63M | 234M | 307.75M | 356.92M | 499.68M | 357.3M | 412.62M |
| Non-Interest Income % | 117.68% | 4.74% | 118.88% | 118.1% | 118.98% | 120.64% | 136.82% | 122% | 120.88% | 119.01% | 124.45% | 117.92% | 118.3% | 117.62% | 119.85% | 114.64% | 111.58% | 107.45% | 111.93% | 111% |
| Total Net Revenue | 417.96M | 402.36M | 398.36M | 389.8M | 371.61M | 325.57M | 186.05M | 304.16M | 293.91M | 275.92M | 222.89M | 262.56M | 273.06M | 265.8M | 195.24M | 268.44M | 319.86M | 465.05M | 319.21M | 371.75M |
| Revenue Growth % | 12.47% | 23.59% | 114.11% | 28.16% | 26.44% | 18% | -16.53% | 15.84% | 7.63% | 3.81% | 14.16% | -2.19% | -14.63% | -42.85% | -38.84% | -27.79% | -16.61% | 25.58% | -3.62% | 6% |
| Non-Interest Expense | 0 | 145.85M | 269.32M | 83.45M | 173.65M | 157.5M | 217.92M | 121.67M | 75.08M | 74.46M | 332.02M | 74.71M | 71.58M | 76.39M | 83.9M | 77.22M | 74.02M | 72.39M | 72.33M | 75.18M |
| Efficiency Ratio | 0% | 36.25% | 67.61% | 21.41% | 46.73% | 48.38% | 117.13% | 40% | 25.55% | 26.98% | 148.96% | 28.46% | 26.21% | 28.74% | 42.97% | 28.77% | 23.14% | 15.57% | 22.66% | 20.22% |
| Operating Income | 186.9M | 182.98M | 173.39M | 173.18M | 150.73M | 129.34M | -134.19M | 106.09M | 101.84M | 83.59M | -217.19M | 75.52M | 88.07M | 70.14M | -2.31M | 80.52M | 118.95M | 265.01M | 124.02M | 166.65M |
| Operating Margin % | 44.72% | 45.48% | 43.53% | 44.43% | 40.56% | 39.73% | -72.13% | 34.88% | 34.65% | 30.3% | -97.45% | 28.76% | 32.25% | 26.39% | -1.18% | 29.99% | 37.19% | 56.99% | 38.85% | 44.83% |
| Operating Income Growth % | 24% | 41.47% | 229.21% | 63.24% | 48.01% | 54.73% | 38.22% | 40.48% | 15.63% | 19.18% | -9322.69% | -6.21% | -25.96% | -73.53% | -101.86% | -51.68% | -31.75% | 57.45% | -0.15% | 16.98% |
| Pretax Income | 82.85M | 111.73M | 97.82M | 99.86M | 78.02M | 60.46M | -209.98M | 40.76M | 42.51M | 30.49M | -271.7M | 30.06M | 36.33M | 25.04M | -45.89M | 42.41M | 83.69M | 230.77M | 85.14M | 108.27M |
| Pretax Margin % | 19.82% | 27.77% | 24.56% | 25.62% | 20.99% | 18.57% | -112.86% | 13.4% | 14.46% | 11.05% | -121.9% | 11.45% | 13.31% | 9.42% | -23.5% | 15.8% | 26.16% | 49.62% | 26.67% | 29.12% |
| Income Tax | 18.85M | 25.49M | 21.16M | 25.2M | 19.3M | 13.66M | 15.33M | 10.12M | 10.33M | 7.25M | -934K | 10.72M | 10.03M | 6.41M | 27.23M | 10.92M | 23.25M | 55.02M | 9.06M | 24.7M |
| Effective Tax Rate % | 22.75% | 22.81% | 21.63% | 25.24% | 24.73% | 22.6% | -7.3% | 24.82% | 24.3% | 23.79% | 0.34% | 35.67% | 27.6% | 25.6% | -59.34% | 25.75% | 27.78% | 23.84% | 10.64% | 22.82% |
| Net Income | 64M | 86.24M | 76.66M | 74.66M | 58.72M | 46.8M | -225.31M | 30.64M | 32.18M | 23.24M | -270.76M | 19.34M | 26.3M | 18.63M | -73.12M | 31.49M | 60.44M | 175.75M | 76.08M | 83.57M |
| Net Margin % | 15.31% | 21.43% | 19.24% | 19.15% | 15.8% | 14.37% | -121.1% | 10.07% | 10.95% | 8.42% | -121.48% | 7.37% | 9.63% | 7.01% | -37.45% | 11.73% | 18.9% | 37.79% | 23.83% | 22.48% |
| Net Income Growth % | 8.99% | 84.3% | 134.02% | 143.64% | 82.47% | 101.37% | 16.79% | 58.45% | 22.34% | 24.77% | -270.31% | -38.59% | -56.48% | -89.4% | -196.1% | -62.31% | -37.37% | 85.72% | 103.87% | 52.91% |
| Net Income (Continuing) | 64M | 86.24M | 76.66M | 74.66M | 58.72M | 46.8M | -225.31M | 30.64M | 32.18M | 23.24M | -270.76M | 19.34M | 26.3M | 18.63M | -73.12M | 31.49M | 60.44M | 175.75M | 76.08M | 83.57M |
| EPS (Diluted) | 2.81 | 3.86 | 3.37 | 3.17 | 2.49 | 1.93 | -9.42 | 1.26 | 1.34 | 0.79 | -11.40 | 0.79 | 1.08 | 0.75 | -3.11 | 1.22 | 2.29 | 6.40 | 2.53 | 2.66 |
| EPS Growth % | 12.85% | 100% | 135.77% | 151.59% | 85.82% | 144.3% | 17.37% | 59.49% | 24.07% | 5.33% | -266.56% | -35.25% | -52.84% | -88.28% | -222.92% | -54.14% | -25.41% | 115.49% | 116.24% | 54.65% |
| EPS (Basic) | 2.97 | 3.97 | 3.43 | 3.22 | 2.50 | 1.96 | -9.42 | 1.28 | 1.35 | 0.98 | -11.40 | 0.82 | 1.11 | 0.79 | -3.11 | 1.22 | 2.29 | 6.40 | 2.72 | 2.76 |
| Diluted Shares Outstanding | 22.79M | 22.32M | 22.78M | 23.52M | 23.58M | 24.27M | 23.87M | 24.41M | 24.1M | 24.47M | 23.74M | 24.38M | 24.28M | 24.94M | 23.54M | 25.92M | 26.41M | 27.48M | 30.04M | 31.36M |