ENCORE CAPITAL GROUP, INC. financials
Source: EDGAR filings · Built 2026-06-02T02:53:11Z
Key metrics by reporting period
Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.
Derived Metrics
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Free Cash Flow | 126.02M | 125.21M | 125.15M | 168.84M | 265.73M | 275.15M |
| EBITDA | 655.41M | 189.76M | 58.27M | 508.59M | 683.35M | 576.34M |
| Net Debt | 3.94B | 3.58B | 3.28B | 2.88B | 2.95B | 3.27B |
| Operating Margin | 708.97% | 185.57% | 19.89% | 486.90% | 524.33% | 463.49% |
| Net Margin | 290.58% | -164.24% | -248.38% | 204.97% | 290.44% | 184.03% |
| Return on Equity (ROE) | 26.29% | -18.15% | -22.05% | 16.49% | 29.60% | 17.40% |
| Return on Assets (ROA) | 4.81% | -2.91% | -4.46% | 4.32% | 7.61% | 4.36% |
| Debt-to-Equity | 4.20× | 4.93× | 3.67× | 2.56× | 2.65× | 2.85× |
| Effective Tax Rate | 23.60% | -44.72% | -14.55% | 37.44% | 19.55% | 24.88% |
| Cash Conversion Ratio | 0.60× | -1.12× | -0.74× | 1.08× | 0.86× | 1.48× |
| Accruals Ratio | 0.02× | -0.06× | -0.08× | -0.00× | 0.01× | -0.02× |
| SBC % of Revenue | 20.67% | 16.53% | 16.66% | 16.23% | 15.18% | 14.39% |
| CapEx Coverage | 5.64× | 5.04× | 5.50× | 5.03× | 8.12× | 8.30× |
| Free Cash Flow Per Share | $5.35 | $5.24 | $5.29 | $6.47 | $8.53 | $8.68 |
Valuation Metrics
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| P/E Trailing (Diluted) | 4.98× | — | — | 6.43× | 5.52× | 5.83× |
| P/FCF | 10.15× | 9.11× | 9.60× | 7.41× | 7.28× | 4.49× |
| FCF Yield | 9.85% | 10.98% | 10.42% | 13.50% | 13.73% | 22.28% |
| EV / EBITDA | 7.81× | 24.83× | 76.82× | 7.86× | 6.55× | 7.80× |
| P/S | 13.34× | 13.35× | 14.37× | 11.78× | 12.62× | 10.61× |
| P/B | 1.21× | 1.47× | 1.28× | 0.95× | 1.29× | 1.00× |
Income Statement
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue from Contract with Customer, Excluding Assessed Tax | 88.39M | 84.78M | 83.14M | 94.92M | 120.78M | 115.12M |
| Revenues | 1.77B | 1.32B | 1.22B | 1.40B | 1.61B | 1.50B |
| Operating Expenses | 1.14B | 1.16B | 1.21B | 936.17M | 981.23M | 967.84M |
| Operating Income (Loss) | 626.65M | 157.33M | 16.54M | 462.17M | 633.27M | 533.56M |
| Income Tax Expense (Benefit) | 79.33M | 43.03M | 26.23M | 116.42M | 85.34M | 70.37M |
| Net Income (Loss) Attributable to Parent | 256.83M | -139.24M | -206.49M | 194.56M | 350.78M | 211.85M |
| Earnings Per Share, Basic | $11.05 | $-5.83 | $-8.72 | $8.06 | $11.64 | $6.74 |
| Weighted Average Number of Shares Outstanding, Basic | 23.23M | 23.87M | 23.67M | 24.14M | 30.13M | 31.43M |
| Earnings Per Share, Diluted | $10.91 | $-5.83 | $-8.72 | $7.46 | $11.26 | $6.68 |
| Weighted Average Number of Shares Outstanding, Diluted | 23.53M | 23.87M | 23.67M | 26.09M | 31.15M | 31.71M |
Balance Sheet
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash and Cash Equivalents, at Carrying Value | 156.78M | 199.87M | 158.36M | 143.91M | 189.65M | 189.18M |
| Assets | 5.34B | 4.79B | 4.63B | 4.51B | 4.61B | 4.86B |
| Liabilities | 4.36B | 4.02B | 3.69B | 3.33B | 3.42B | 3.64B |
| Stockholders' Equity Attributable to Parent | — | — | 936.54M | 1.18B | 1.19B | 1.22B |
| Common Stock, Shares, Outstanding | 21.69M | 23.69M | 23.55M | 23.32M | 24.54M | 31.34M |
Cash Flow Statement
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Net Cash Provided by (Used in) Operating Activities | 153.20M | 156.17M | 152.99M | 210.68M | 303.05M | 312.86M |
| Payments to Acquire Property, Plant, and Equipment | 26.27M | 29.01M | 24.81M | 37.22M | 33.37M | 34.60M |
| Net Cash Provided by (Used in) Investing Activities | -242.59M | -440.43M | -401.94M | -130.24M | 339.90M | 82.83M |
| Payments for Repurchase of Common Stock | 90.40M | 0 | 0 | 87.01M | 390.61M | 0 |
| Net Cash Provided by (Used in) Financing Activities | 44.85M | 317.77M | 268.30M | -107.44M | -655.69M | -403.20M |
Derived Metrics
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Free Cash Flow | 77.47M | 9.88M | 117.05M | 41.49M | 38.29M | 14.99M |
| EBITDA | 190.85M | 180.33M | — | — | 136.69M | -125.22M |
| Net Debt | 3.81B | 3.94B | 3.76B | 3.79B | 3.60B | 3.58B |
| Operating Margin | 891.52% | 811.54% | 780.96% | 675.93% | 573.66% | -653.79% |
| Net Margin | 417.88% | 358.78% | 336.69% | 263.32% | 207.55% | -1097.72% |
| Return on Equity (ROE) | 8.33% | 7.85% | 7.83% | 6.55% | 5.71% | -29.36% |
| Return on Assets (ROA) | 1.58% | 1.44% | 1.42% | 1.13% | 0.94% | -4.70% |
| Debt-to-Equity | 3.90× | 4.20× | 4.13× | 4.43× | 4.63× | 4.93× |
| Effective Tax Rate | 22.81% | 21.63% | 25.24% | 24.73% | 22.60% | -7.30% |
| Cash Conversion Ratio | 0.95× | 0.22× | 1.83× | 0.93× | 0.97× | -0.10× |
| Accruals Ratio | 0.00× | 0.01× | -0.01× | 0.00× | 0.00× | -0.05× |
| SBC % of Revenue | 22.17% | 24.44% | 58.84% | 39.04% | 15.19% | 11.11% |
| CapEx Coverage | 16.95× | 2.43× | 7.05× | 4.11× | 6.48× | 2.75× |
| Free Cash Flow Per Share | $3.47 | $0.42 | $4.98 | $1.76 | $1.58 | $0.63 |
Valuation Metrics
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| P/E Trailing (Diluted) | 5.45× | 4.97× | — | — | — | — |
| P/S | 17.43× | 13.34× | 10.90× | 10.14× | 9.27× | 13.35× |
| P/B | 1.46× | 1.21× | 1.00× | 1.00× | 0.98× | 1.47× |
Income Statement
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Revenue from Contract with Customer, Excluding Assessed Tax | 20.64M | 21.37M | 22.18M | 22.30M | 22.55M | 20.52M |
| Revenues | 475.41M | 473.55M | 460.35M | 442.12M | 392.77M | 265.62M |
| Operating Expenses | 291.42M | 300.16M | 287.18M | 291.39M | 263.43M | 399.81M |
| Operating Income (Loss) | 183.99M | 173.39M | 173.18M | 150.73M | 129.34M | -134.19M |
| Income Tax Expense (Benefit) | 25.49M | 21.16M | 25.20M | 19.30M | 13.66M | 15.33M |
| Net Income (Loss) Attributable to Parent | 86.24M | 76.66M | 74.66M | 58.72M | 46.80M | -225.31M |
| Earnings Per Share, Basic | $3.97 | $3.39 | $3.22 | $2.50 | $1.96 | $-9.44 |
| Weighted Average Number of Shares Outstanding, Basic | 21.73M | 23.23M | 23.22M | 23.51M | 23.88M | 23.87M |
| Earnings Per Share, Diluted | $3.86 | $3.34 | $3.17 | $2.49 | $1.93 | $-9.37 |
| Weighted Average Number of Shares Outstanding, Diluted | 22.32M | 23.53M | 23.52M | 23.58M | 24.27M | 23.87M |
Balance Sheet
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Cash and Cash Equivalents, at Carrying Value | 227.20M | 156.78M | 172.49M | 172.90M | 187.12M | 199.87M |
| Assets | 5.45B | 5.34B | 5.26B | 5.19B | 4.97B | 4.79B |
| Liabilities | 4.42B | 4.36B | 4.31B | 4.30B | 4.15B | 4.02B |
| Common Stock, Shares, Outstanding | 21.50M | 21.69M | 22.85M | 23.09M | 23.51M | 23.69M |
Cash Flow Statement
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Net Cash Provided by (Used in) Operating Activities | 82.33M | 16.81M | 136.39M | 54.81M | 45.28M | 23.54M |
| Payments to Acquire Property, Plant, and Equipment | 4.86M | 6.93M | 19.34M | 13.32M | 6.99M | 8.56M |
| Net Cash Provided by (Used in) Investing Activities | -27.41M | -27.04M | -215.55M | -169.65M | -100.28M | -264.73M |
| Net Cash Provided by (Used in) Financing Activities | 18.61M | -5.70M | 50.56M | 87.23M | 40.34M | 187.29M |
Raw XBRL tagging for a single filing
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Methodology
All facts on this page come straight from SEC EDGAR XBRL
company-facts filings (ECPG CIK 0001084961),
grouped by financial statement using FASB's base
us-gaap presentation taxonomy. Filers may re-parent
concepts onto different statements in their own extension
taxonomy, so a handful of rows can show up under a different
statement than on the actual 10-K / 10-Q; custom concepts and
any we couldn't map fall into Other. Hover a
cell to see the fully-qualified concept name and the filer's
description.
For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.