Encore Capital Group, Inc. (ECPG) quarterly income statement — complete revenue, gross profit & net income history
| Metric | 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 | Q2'21 |
|---|
| Sales/Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Revenue Growth % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cost of Goods Sold | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| COGS % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | 328.83M | 442.72M | 256.62M | 324.38M | 286.84M | 83.73M | 227.76M | 176.92M | 158.05M | 114.83M | 150.23M | 159.65M | 146.53M | 81.59M | 157.74M | 192.97M | 337.4M | 196.36M | 241.83M | 249.38M |
| Gross Margin % | 69.53% | 93.49% | 55.74% | 73.37% | 73.03% | 31.52% | 62.05% | 49.8% | 48.13% | 41.4% | 48.52% | 49.42% | 46.87% | 34.87% | 51.25% | 54.06% | 67.52% | 54.96% | 58.61% | 58.3% |
| Gross Profit Growth % | 14.64% | 428.77% | 12.67% | 83.35% | 81.49% | -27.08% | 51.61% | 10.82% | 7.86% | 40.73% | -4.76% | -17.26% | -56.57% | -58.45% | -34.77% | -22.62% | 40.34% | 0.11% | 3.08% | -13.15% |
| Operating Expenses | 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 | 75.1M |
| OpEx % of Revenue | 30.84% | 56.87% | 18.13% | 39.28% | 40.1% | 82.04% | 33.15% | 21.13% | 22.67% | 119.7% | 24.13% | 22.16% | 24.44% | 35.85% | 25.09% | 20.74% | 14.49% | 20.24% | 18.22% | 17.56% |
| Selling, General & Admin | 0 | 44.38M | 39.22M | 41.33M | 41.02M | 52.02M | 38.81M | 36.78M | 36.24M | 36.81M | 35.56M | 34.53M | 37.97M | 40.02M | 37.27M | 34.97M | 33.53M | 34.91M | 35.82M | 34.82M |
| SG&A % of Revenue | - | 9.37% | 8.52% | 9.35% | 10.44% | 19.58% | 10.57% | 10.35% | 11.04% | 13.27% | 11.48% | 10.69% | 12.14% | 17.1% | 12.11% | 9.8% | 6.71% | 9.77% | 8.68% | 8.14% |
| Research & Development | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| R&D % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 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 | 174.29M |
| Operating Margin % | 38.69% | 36.62% | 37.62% | 34.09% | 32.93% | -50.52% | 28.9% | 28.66% | 25.46% | -78.3% | 24.39% | 27.26% | 22.43% | -0.99% | 26.16% | 33.33% | 53.04% | 34.71% | 40.39% | 40.75% |
| Operating Income Growth % | 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% | -20.67% |
| EBITDA | 189.84M | 180.33M | 180.35M | 158.04M | 136.69M | -125.22M | 114.25M | 109.3M | 91.44M | -208.22M | 86.71M | 98.77M | 81.01M | 13.05M | 92.18M | 130.59M | 276.84M | 136.41M | 180.78M | 186.33M |
| EBITDA Margin % | 40.14% | 38.08% | 39.18% | 35.75% | 34.8% | -47.14% | 31.12% | 30.76% | 27.84% | -75.07% | 28.01% | 30.58% | 25.91% | 5.58% | 29.95% | 36.59% | 55.4% | 38.18% | 43.81% | 43.56% |
| EBITDA Growth % | 38.89% | 244.01% | 57.86% | 44.6% | 49.48% | 39.86% | 31.75% | 10.66% | 12.88% | -1694.98% | -5.93% | -24.37% | -70.74% | -90.43% | -49.01% | -29.91% | 53.95% | 0.63% | 18.11% | -19.07% |
| D&A (Non-Cash Add-back) | 6.86M | 6.93M | 7.17M | 7.31M | 7.34M | 8.97M | 8.16M | 7.46M | 7.85M | 8.97M | 11.2M | 10.7M | 10.87M | 15.36M | 11.66M | 11.65M | 11.83M | 12.38M | 14.14M | 12.05M |
| EBIT | 182.31M | 173.01M | 170.41M | 150.73M | 127.66M | -145.17M | 106.09M | 100.11M | 82.96M | -221.41M | 77.12M | 82.61M | 67.63M | -7.13M | 78.21M | 117.13M | 261.56M | 119.48M | 145.23M | 161.4M |
| Net Interest Income | 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 | -44.16M |
| Interest Income | 453.86M | 0 | 0 | 0 | 0 | 11.07M | -3.99M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 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 | 44.16M |
| Other Income/Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Pretax Income | 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 | 121.39M |
| Pretax Margin % | 23.63% | 20.66% | 21.69% | 17.65% | 15.39% | -79.05% | 11.1% | 11.96% | 9.29% | -97.95% | 9.71% | 11.25% | 8.01% | -19.61% | 13.78% | 23.45% | 46.18% | 23.83% | 26.24% | 28.38% |
| Income Tax | 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 | 24.61M |
| Effective Tax Rate % | 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% | 20.27% |
| Net Income | 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 | 96.5M |
| Net Margin % | 18.24% | 16.19% | 16.22% | 13.28% | 11.91% | -84.82% | 8.35% | 9.06% | 7.08% | -97.61% | 6.25% | 8.14% | 5.96% | -31.25% | 10.23% | 16.93% | 35.17% | 21.29% | 20.25% | 22.56% |
| Net Income Growth % | 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% | -25.96% |
| Net Income (Continuing) | 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 | 96.79M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | 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 | 3.07 |
| EPS Growth % | 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% | -25.67% |
| EPS (Basic) | 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 | 3.12 |
| Diluted Shares Outstanding | 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 | 31.41M |
| Basic Shares Outstanding | 21.73M | 22.35M | 23.22M | 23.51M | 23.88M | 23.87M | 23.91M | 23.88M | 23.78M | 23.74M | 23.71M | 23.67M | 23.55M | 23.54M | 25.81M | 26.39M | 27.46M | 27.95M | 30.23M | 30.91M |
| Dividend Payout Ratio | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |