Encore Capital Group, Inc. (ECPG)

Encore Capital Group Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Non-Interest Income	1,769	1,316	1,223	1,398	1,614
Non-Interest Income Growth	34.37%	7.66%	-12.56%	-13.39%	7.53%
Revenues Before Loan Losses	1,769	1,316	1,223	1,398	1,614
Revenue	1,769	1,316	1,223	1,398	1,614
Revenue Growth (YoY)	34.37%	7.66%	-12.56%	-13.39%	7.53%
Compensation Expenses	458.23	422.91	391.53	375.14	385.18
Selling, General & Admin	510.69	453.74	404.77	399.31	439.03
Other Non-Interest Expenses	463.72	535.93	606.64	312.91	353.75
Total Non-Interest Expense	1,142	1,159	1,206	936.17	981.23
Pretax Income	336.16	-96.22	-180.26	310.99	436.54
Provision for Income Taxes	79.33	43.03	26.23	116.43	85.34
Net Income	256.83	-139.24	-206.49	194.56	350.78
Minority Interest in Earnings	-	-	-	-	0.42
Net Income to Common	256.83	-139.24	-206.49	194.56	350.78
Net Income Growth	-	-	-	-44.53%	65.58%
Shares Outstanding (Basic)	23	24	24	24	30
Shares Outstanding (Diluted)	24	24	24	26	31
Shares Change (YoY)	-1.42%	0.86%	-9.28%	-16.25%	-1.76%
EPS (Basic)	11.05	-5.83	-8.72	8.06	11.64
EPS (Diluted)	10.91	-5.83	-8.72	7.46	11.26
EPS Growth	-	-	-	-33.75%	68.56%
Free Cash Flow	126.93	127.16	128.18	173.46	269.68
Free Cash Flow Growth	-0.18%	-0.80%	-26.10%	-35.68%	-3.08%
Free Cash Flow Per Share	5.39	5.33	5.42	6.65	8.66
Profit Margin	14.52%	-10.58%	-16.89%	13.91%	21.75%
FCF Margin	7.18%	9.66%	10.48%	12.40%	16.70%
EBITDA	28.76	32.43	41.74	46.42	50.08
EBITDA Margin	1.63%	2.46%	3.41%	3.32%	3.10%
Effective Tax Rate	23.60%	-44.72%	-14.55%	37.44%	19.55%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q