Encore Capital Group Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	172.49	199.87	158.36	143.91	189.65	189.18
Trading Asset Securities	-	-	-	36.81	3.54	0.66
Cash & Short-Term Investments	172.49	199.87	158.36	180.72	193.19	189.84
Cash Growth	-34.35%	26.21%	-12.37%	-6.45%	1.76%	-2.54%
Accounts Receivable	4,270	3,776	3,468	3,088	3,066	3,292
Other Receivables	36.19	-	-	16.09	22.61	26.54
Receivables	4,306	3,776	3,468	3,104	3,088	3,318
Prepaid Expenses	34.23	35.56	32.91	30.38	26.94	26.72
Other Current Assets	8.28	10.44	8.74	18.26	19.32	47.43
Total Current Assets	4,521	4,022	3,668	3,334	3,328	3,582
Property, Plant & Equipment	142.08	138.69	170.98	183.97	188.67	199.46
Goodwill	535.63	507.81	606.48	821.21	897.8	906.96
Other Intangible Assets	-	-	-	22.11	36.32	45.01
Long-Term Deferred Tax Assets	6.04	8.42	17.28	18.07	51.45	33.2
Other Long-Term Assets	53	112.58	167.32	129.28	106.28	97.44
Total Assets	5,258	4,790	4,630	4,508	4,608	4,865
Accounts Payable	259.88	212.05	173.93	180.42	195.07	192.66
Current Portion of Long-Term Debt	119.04	132.42	50.55	36.92	16.9	5.23
Current Portion of Leases	-	18.23	-	-	-	-
Other Current Liabilities	-	21.5	16	17.8	34.52	23.26
Total Current Liabilities	378.92	384.2	240.48	235.14	246.49	221.15
Long-Term Debt	3,833	3,558	3,315	2,893	2,990	3,273
Long-Term Leases	0.8	52.58	84.29	89.27	91.32	98.95
Other Long-Term Liabilities	92.25	27.98	53.97	111.18	94.73	51
Total Liabilities	4,305	4,022	3,694	3,329	3,423	3,644
Common Stock	0.23	0.24	0.24	0.23	0.25	0.31
Additional Paid-In Capital	-	19.3	11.05	-	-	230.44
Retained Earnings	1,084	909.93	1,049	1,278	1,239	1,056
Comprehensive Income & Other	-131.29	-162.13	-123.92	-98.82	-53.55	-68.81
Total Common Equity	952.91	767.33	936.54	1,180	1,185	1,218
Minority Interest	-	-	-	-	-	2.47
Shareholders' Equity	952.91	767.33	936.54	1,180	1,185	1,220
Total Liabilities & Equity	5,258	4,790	4,630	4,508	4,608	4,865
Total Debt	3,953	3,761	3,450	3,019	3,099	3,378
Net Cash (Debt)	-3,780	-3,561	-3,292	-2,839	-2,905	-3,188
Net Cash Per Share	-159.99	-149.16	-139.07	-108.79	-93.26	-100.53
Filing Date Shares Outstanding	22.3	23.69	23.55	23.32	24.53	31.35
Total Common Shares Outstanding	22.85	23.69	23.55	23.32	24.54	31.35
Working Capital	4,142	3,638	3,428	3,099	3,081	3,361
Book Value Per Share	41.70	32.39	39.78	50.58	48.30	38.85
Tangible Book Value	417.29	259.52	330.06	336.3	251.15	265.63
Tangible Book Value Per Share	18.26	10.95	14.02	14.42	10.23	8.47
Machinery	-	209.86	207.51	229.96	232.88	208.64
Construction In Progress	-	14.59	28.64	2.55	2.49	4.74
Leasehold Improvements	-	38.77	34.72	34.95	37.53	43.62

Source: S&P Global Market Intelligence. Standard template. Financial Sources.