Encore Capital Group, Inc. (ECPG)

NASDAQ: ECPG · Real-Time Price · USD

97.30

0.00 (0.00%)

At close: Sep 4, 2026, 4:00 PM EDT

96.90

-0.40 (-0.41%)

Pre-market: Sep 8, 2026, 5:06 AM 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	Jun '26 Jun 30, 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	1,901	1,769	1,316	1,223	1,398	1,614
Revenue Growth	29.54%	34.37%	7.66%	-12.56%	-13.39%	7.53%
Gross Profit	1,901	1,769	1,316	1,223	1,398	1,614
Operating Income	717.47	626.65	276.47	273.46	466.25	633.27
Net Income	301.56	256.83	-139.24	-206.49	194.56	350.78
Earnings Per Share	13.19	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	Jun '26 Jun 30, 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	1,400	1,268	991.95	792.44	995.47	1,116
United Kingdom	364.77	354.47	232.56	295.57	272.96	344.21
Other European Countries	131.22	141.02	89.62	134.3	129.74	142.32
Other Geographies	4.92	5.01	2.24	0.37	0.18	12.4
Total	1,901	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	Jun '26 Jun 30, 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 & Investments	182.93	156.78	199.87	158.36	180.72	193.19
Total Debt	4,186	4,083	3,761	3,450	3,019	3,099
Net Cash (Debt)	-4,003	-3,926	-3,561	-3,292	-2,839	-2,905
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-175.20	-166.83	-149.16	-139.07	-108.79	-93.26

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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	151.34	153.2	156.17	152.99	210.68	303.05
Capital Expenditures	-26.2	-26.27	-29.01	-24.81	-37.22	-33.37
Free Cash Flow	125.14	126.93	127.16	128.18	173.46	269.68
Free Cash Flow Growth	30.08%	-0.18%	-0.80%	-26.10%	-35.68%	-2.56%

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Operating Margin	37.74%	35.43%	21.00%	22.37%	33.34%	39.22%
Pretax Margin	20.63%	19.00%	-7.31%	-14.74%	22.24%	27.04%
Profit Margin	15.86%	14.52%	-10.58%	-16.89%	13.91%	21.73%
FCF Margin	6.58%	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	Sep '26 Sep 8, 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	7.37	4.72	-	-	5.76	4.39
Forward PE	6.98	5.78	7.31	9.24	8.02	7.30
P/FCF Ratio	16.49	9.55	8.90	9.32	6.46	5.71
PS Ratio	1.09	0.69	0.86	0.98	0.80	0.95