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Encore Capital Group Inc (ECPG)

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SEC name ENCORE CAPITAL GROUP INC · CIK 0001084961 · Nasdaq · Short-Term Business Credit Institutions

  • Sector Finance & Real Estate
  • Incorporated DE
  • Fiscal year ends Dec 31

For the year ended 2025-12-31, Encore Capital Group Inc reported revenue of $1.77B. Revenue grew 34.4% from the prior annual period. Over the twelve months to 2026-06-30, revenue was $1.90B.

Key ratios (year ended 2025-12-31)

35.4%
Operating margin
14.5%
Net margin
26.3%
Return on year-end equity
34.4%
Revenue growth (YoY)

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Latest selected filing: Form 4 (ownership change) · 2026-09-02

Headquarters locality: San Diego · View on map

Annual financials

Annual flows and balances are grouped by their actual period end. Select a figure to open its SEC filing. n/a means a matching observation is unavailable. Free cash flow is operating cash flow minus capital expenditures, and EBITDA is operating income plus depreciation and amortization, for the same period, computed by TickerFacts.

The first column covers the twelve months to 2026-06-30 from the latest quarterly report: flows are the last fiscal year plus this year to date minus the same months a year earlier, and balances are as of that date. Per-share figures are annual only.

Period endedTTM to
2026-06-30		2025-12-312024-12-312023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-31
Revenue$1.90B$1.77B$1.32B$1.22B$1.40B$1.61B$1.50B$1.41B$1.32B$1.15B$1.11B
Operating Income$717.47M$626.65M$157.33M$16.54M$462.17M$633.27M$533.56M$446.35M$405.30M$324.54M$241.51M
Depreciation & Amortization$28.07M$28.76M$32.43M$41.74M$46.42M$50.08M$42.78M$41.03M$41.23M$39.98M$34.87M
EBITDA$745.54M$655.41M$189.76M$58.27M$508.59M$683.35M$576.34M$487.37M$446.53M$364.52M$276.38M
Net Income$301.56M$256.83M-$139.24M-$206.49M$194.56M$350.78M$211.85M$167.87M$115.89M$83.23M$76.57M
EPS (Diluted)n/a$10.91-$5.83-$8.72$7.46$11.26$6.68$5.33$4.06$3.15$2.96
Total Assets$5.57B$5.34B$4.79B$4.63B$4.51B$4.61B$4.86B$4.91B$4.63B$4.49B$3.67B
Total Liabilities$4.49B$4.36B$4.02B$3.69B$3.33B$3.42B$3.64B$3.88B$3.81B$3.77B$3.07B
Shareholders' Equity$1.08B$976.75M$767.33M$936.54M$1.18B$1.19B$1.22B$1.03B$819.69M$571.93M$551.76M
Cash & Equivalents$182.93M$156.78M$199.87M$158.36M$143.91M$189.65M$189.18M$192.34M$157.42M$212.14M$149.76M
Operating Cash Flow$151.34M$153.20M$156.17M$152.99M$210.68M$303.05M$312.86M$244.73M$186.79M$123.82M$130.33M
Capital Expenditures$26.20M$26.27M$29.01M$24.81M$37.22M$33.37M$34.60M$39.60M$67.47M$28.13M$31.67M
Free Cash Flow$125.14M$126.93M$127.16M$128.18M$173.46M$269.68M$278.26M$205.13M$119.32M$95.69M$98.66M
Share Repurchasesn/a$90.40M$0$0$87.01M$390.61M$0$0n/a$0$0
Shares Outstanding21.21M21.69M23.69M23.55M23.32M24.54M31.34M31.10M30.88M25.80M25.59M
Weighted Average Diluted Sharesn/a23.53M23.87M23.67M26.09M31.15M31.71M31.47M28.57M26.41M25.91M
EPS (Basic)n/a$11.05-$5.83-$8.72$8.06$11.64$6.74$5.38$4.09$3.20$2.98

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