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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
95.46
-0.44 (-0.46%)
After-hours: Jul 28, 2026, 6:13 PM EDT

Encore Capital Group Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Mar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
296.28256.83-139.24-206.49194.56351.2
Depreciation & Amortization
28.2728.7632.4341.7446.4250.08
Stock-Based Compensation
19.4218.2714.0113.8515.418.33
Other Adjustments
-223.82-154.67174.68318.58-7.99-119.55
Changes in Other Operating Activities
15.68-20.5952.755.45-37.722.99
Operating Cash Flow
190.24153.2156.17152.99210.68303.05
Operating Cash Flow Growth
26.43%-1.90%2.08%-27.38%-30.48%-3.14%

Investing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Mar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Change in Loans Held-for-Investment
-180.02-252.07-476.53-402.08-81.39362.35
Capital Expenditures
-24.14-26.27-29.01-24.81-37.22-33.37
Other Investing Activities
-3.2135.7665.1124.94-11.6210.92
Investing Cash Flow
-169.72-242.59-440.43-401.94-130.24339.9

Financing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Mar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Short-Term Debt Issued
1,3851,2732,0311,196779.51821.93
Short-Term Debt Repaid
-1,477-1,359-1,868-989.63-515.7-896.42
Net Short-Term Debt Issued (Repaid)
-92.52-85.76163.36206.42263.81-74.49
Long-Term Debt Issued
-5001,000334.19-353.75
Long-Term Debt Repaid
--264.64-811.18-264.28-260.23-520.18
Net Long-Term Debt Issued (Repaid)
-235.36188.8269.91-260.23-166.43
Repurchase of Common Stock
-100.49-90.4---87.01-390.61
Net Common Stock Issued (Repurchased)
-100.49-90.4---87.01-390.61
Other Financing Activities
-19.23-14.35-34.4-8.03-24.02-24.17
Financing Cash Flow
23.1344.85317.77268.3-107.45-655.69

Net Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Mar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Foreign Exchange Rate Adjustments
-3.571.457.99-4.9-18.7313.2
Net Cash Flow
43.65-44.5333.5119.35-27-12.74

Free Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Mar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Free Cash Flow
166.11126.93127.16128.18173.46269.68
Free Cash Flow Growth
36.90%-0.18%-0.80%-26.10%-35.68%-3.08%
FCF Margin
8.97%7.18%9.66%10.48%12.40%16.70%
Free Cash Flow Per Share
7.215.395.335.426.658.66
SEC Filings: 10-K · 10-Q