Encore Capital Group Cash Flow Statement

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
Net Income	-45.13	-139.24	-206.49	194.56	350.78	211.85
Depreciation & Amortization	30.79	32.43	41.74	46.42	50.08	42.78
Asset Writedown & Restructuring Costs	119.14	119.14	256.93	4.08	-	-
Stock-Based Compensation	15.33	14.01	13.85	15.4	18.33	16.56
Other Operating Activities	-36.21	101.67	41.52	-12.06	-119.13	93
Change in Accounts Payable	51.66	56.4	-10.44	-31	-35.95	-17.66
Change in Other Net Operating Assets	24.35	-28.25	15.89	-6.72	38.94	-33.66
Operating Cash Flow	159.93	156.17	152.99	210.68	303.05	312.86
Operating Cash Flow Growth	-5.59%	2.08%	-27.38%	-30.48%	-3.14%	27.84%
Capital Expenditures	-28.11	-29.22	-51.71	-76.56	-50.46	-36.1
Sale (Purchase) of Real Estate	56.4	56.4	52.64	27.72	31.16	-
Other Investing Activities	-14.99	8.92	-0.79	-	-3.15	25.85
Investing Cash Flow	-480.27	-440.43	-401.94	-130.24	339.9	82.83
Long-Term Debt Issued	-	3,031	1,530	779.51	1,176	3,134
Long-Term Debt Repaid	-	-2,657	-1,241	-775.94	-1,417	-3,414
Net Debt Issued (Repaid)	350.6	374.25	289.05	3.58	-240.92	-279.92
Repurchase of Common Stock	-35.33	-	-	-87.01	-390.61	-
Other Financing Activities	-77.42	-56.48	-20.75	-24.02	-24.17	-123.28
Financing Cash Flow	237.84	317.77	268.3	-107.45	-655.69	-403.2
Foreign Exchange Rate Adjustments	7.63	7.99	-4.9	-18.73	13.2	4.36
Net Cash Flow	-74.87	41.5	14.45	-45.73	0.46	-3.15
Free Cash Flow	131.83	126.95	101.28	134.12	252.59	276.76
Free Cash Flow Growth	15.63%	25.34%	-24.48%	-46.90%	-8.73%	34.92%
Free Cash Flow Margin	8.45%	9.64%	8.28%	9.59%	15.65%	18.43%
Free Cash Flow Per Share	5.58	5.32	4.28	5.14	8.11	8.73
Cash Interest Paid	244.39	210.58	163.82	131.39	132.4	169.55
Cash Income Tax Paid	46.01	67.09	68.52	71.28	42.04	88.82
Levered Free Cash Flow	-394.36	-236.49	-316.75	130.91	579.52	193.22
Unlevered Free Cash Flow	-214.86	-78.65	-190.58	226.72	685.59	324.06
Change in Working Capital	76	28.16	5.45	-37.72	2.99	-51.32

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