Encore Capital Group Income 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
Operating Revenue	87.55	84.78	83.14	94.92	120.78	115.12
Other Revenue	1,473	1,232	1,140	1,303	1,494	1,386
Revenue	1,561	1,316	1,223	1,398	1,614	1,501
Revenue Growth (YoY)	17.52%	7.66%	-12.56%	-13.39%	7.53%	6.80%
Gross Profit	1,561	1,316	1,223	1,398	1,614	1,501
Selling, General & Admin	945.79	876.65	796.3	774.45	824.21	801.11
Other Operating Expenses	146.08	130.8	111.18	111.23	106.94	108.94
Operating Expenses	1,123	1,040	949.22	932.1	981.23	952.83
Operating Income	438.21	276.47	273.46	466.25	633.27	548.57
Interest Expense	-287.21	-252.55	-201.88	-153.31	-169.72	-209.36
Interest & Investment Income	5.91	7.01	4.75	1.77	1.74	2.4
Currency Exchange Gain (Loss)	-1.68	-8.9	5.89	-22.39	-28.57	3.56
Other Non Operating Income (Expenses)	0.11	8.73	-5.55	22.74	9.12	-6.32
EBT Excluding Unusual Items	155.34	30.76	76.66	315.06	445.84	338.86
Impairment of Goodwill	-100.6	-100.6	-238.2	-	-	-
Asset Writedown	-18.54	-18.54	-18.73	-4.08	-	-
Legal Settlements	-	-	-	-	-	-15.01
Other Unusual Items	-7.83	-7.83	-	-	-9.3	-40.95
Pretax Income	28.36	-96.22	-180.26	310.99	436.54	282.9
Income Tax Expense	73.49	43.03	26.23	116.43	85.34	70.37
Earnings From Continuing Operations	-45.13	-139.24	-206.49	194.56	351.2	212.52
Net Income to Company	-45.13	-139.24	-206.49	194.56	351.2	212.52
Minority Interest in Earnings	-	-	-	-	-0.42	-0.68
Net Income	-45.13	-139.24	-206.49	194.56	350.78	211.85
Net Income to Common	-45.13	-139.24	-206.49	194.56	350.78	211.85
Net Income Growth	-	-	-	-44.53%	65.58%	26.20%
Shares Outstanding (Basic)	24	24	24	24	30	31
Shares Outstanding (Diluted)	24	24	24	26	31	32
Shares Change (YoY)	-0.85%	0.86%	-9.28%	-16.25%	-1.76%	0.75%
EPS (Basic)	-1.91	-5.83	-8.72	8.06	11.64	6.74
EPS (Diluted)	-1.91	-5.83	-8.72	7.46	11.26	6.68
EPS Growth	-	-	-	-33.75%	68.56%	25.33%
Free Cash Flow	131.83	126.95	101.28	134.12	252.59	276.76
Free Cash Flow Per Share	5.58	5.32	4.28	5.14	8.11	8.73
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Operating Margin	28.07%	21.00%	22.37%	33.34%	39.22%	36.54%
Profit Margin	-2.89%	-10.58%	-16.89%	13.91%	21.73%	14.11%
Free Cash Flow Margin	8.45%	9.64%	8.28%	9.59%	15.65%	18.43%
EBITDA	469	308.91	315.2	512.67	683.35	591.35
EBITDA Margin	30.05%	23.47%	25.78%	36.66%	42.33%	39.39%
D&A For EBITDA	30.79	32.43	41.74	46.42	50.08	42.78
EBIT	438.21	276.47	273.46	466.25	633.27	548.57
EBIT Margin	28.07%	21.00%	22.37%	33.34%	39.22%	36.54%
Effective Tax Rate	259.12%	-	-	37.44%	19.55%	24.88%
Revenue as Reported	244.51	-	-	-	-	-

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.

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