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Encore Capital Group, Inc. (ECPG)
NASDAQ: ECPG · Real-Time Price · USD
114.14
-12.03 (-9.53%)
At close: Nov 6, 2026, 4:00 PM EST
115.26
+1.12 (0.98%)
After-hours: Nov 6, 2026, 7:30 PM EST

Encore Capital Group Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
1,9851,7691,3161,2231,3981,614
Revenue Growth
27.20%34.37%7.66%-12.56%-13.39%7.53%
Gross Profit
1,9851,7691,3161,2231,3981,614
Operating Income
774.89626.65276.47273.46466.25633.27
Net Income
350.91256.83-139.24-206.49194.56350.78
Earnings Per Share
15.5710.91-5.83-8.727.4611.26
EPS Growth
-----33.75%68.56%

Revenue by Geography
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
United States
1,4911,268991.95792.44995.471,116
United Kingdom
360.53354.47232.56295.57272.96344.21
Other European Countries
128.56141.0289.62134.3129.74142.32
Other Geographies
4.895.012.240.370.1812.4
Total
1,9851,7691,3161,2231,3981,614

Cash & Debt
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
158.42156.78199.87158.36180.72193.19
Total Debt
4,2384,0833,7613,4503,0193,099
Net Cash (Debt)
-4,080-3,926-3,561-3,292-2,839-2,905
Net Cash Growth
------
Net Cash Per Share
-181.05-166.83-149.16-139.07-108.79-93.26

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
176.44153.2156.17152.99210.68303.05
Capital Expenditures
-24.98-26.27-29.01-24.81-37.22-33.37
Free Cash Flow
151.46126.93127.16128.18173.46269.68
Free Cash Flow Growth
14.71%-0.18%-0.80%-26.10%-35.68%-2.56%

Margins
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Gross Margin
100.00%100.00%100.00%100.00%100.00%100.00%
Operating Margin
39.03%35.43%21.00%22.37%33.34%39.22%
Pretax Margin
22.83%19.00%-7.31%-14.74%22.24%27.04%
Profit Margin
17.68%14.52%-10.58%-16.89%13.91%21.73%
FCF Margin
7.63%7.18%9.66%10.48%12.40%16.70%

Valuation
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
7.334.72--5.764.39
Forward PE
7.915.787.319.248.027.30
P/FCF Ratio
15.739.558.909.326.465.71
PS Ratio
1.200.690.860.980.800.95