Encore Capital Group, Inc. (ECPG)

NASDAQ: ECPG · Real-Time Price · USD

95.90

+1.45 (1.54%)

At close: Jul 28, 2026, 4:00 PM EDT

95.90

0.00 (0.00%)

After-hours: Jul 28, 2026, 4:00 PM EDT

Encore Capital Group Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	1,851	1,769	1,316	1,223	1,398	1,614
Revenue Growth	34.09%	34.37%	7.66%	-12.56%	-13.39%	7.53%
Net Income	296.28	256.83	-139.24	-206.49	194.56	350.78
Earnings Per Share	12.89	10.91	-5.83	-8.72	7.46	11.26
EPS Growth	-	-	-	-	-33.75%	68.56%

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
United States	1,350	1,268	991.95	792.44	995.47	1,116
United Kingdom	358.53	354.47	232.56	295.57	272.96	344.21
Other European Countries	137.46	141.02	89.62	134.3	129.74	142.32
Other Geographies	5.07	5.01	2.24	0.37	0.18	12.4
Total	1,851	1,769	1,316	1,223	1,398	1,614

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	227.2	156.78	199.87	158.36	143.91	189.65
Total Debt	4,033	4,001	3,673	3,318	2,899	2,997
Net Cash (Debt)	-4,033	-4,001	-3,673	-3,318	-2,899	-2,997
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-174.99	-170.02	-153.85	-140.18	-111.10	-96.21

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	190.24	153.2	156.17	152.99	210.68	303.05
Capital Expenditures	-24.14	-26.27	-29.01	-24.81	-37.22	-33.37
Free Cash Flow	166.11	126.93	127.16	128.18	173.46	269.68
Free Cash Flow Growth	36.90%	-0.18%	-0.80%	-26.10%	-35.68%	-3.08%

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Pretax Margin	20.93%	19.00%	-7.31%	-14.74%	22.24%	27.04%
Profit Margin	16.00%	14.52%	-10.58%	-16.89%	13.91%	21.75%
FCF Margin	8.97%	7.18%	9.66%	10.48%	12.40%	16.70%

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 28, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	7.35	4.98	-	-	6.43	5.52
Forward PE	7.51	5.78	7.31	9.24	8.02	7.30
P/FCF Ratio	12.38	9.29	8.90	9.32	6.45	5.65
PS Ratio	1.11	0.67	0.86	0.98	0.80	0.94