Encore Capital Group, Inc. (ECPG)

Encore Capital Group Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	296.28	256.83	-139.24	-206.49	194.56	351.2
Depreciation & Amortization	28.27	28.76	32.43	41.74	46.42	50.08
Stock-Based Compensation	19.42	18.27	14.01	13.85	15.4	18.33
Other Adjustments	-223.82	-154.67	174.68	318.58	-7.99	-119.55
Changes in Other Operating Activities	15.68	-20.59	52.75	5.45	-37.72	2.99
Operating Cash Flow	190.24	153.2	156.17	152.99	210.68	303.05
Operating Cash Flow Growth	26.43%	-1.90%	2.08%	-27.38%	-30.48%	-3.14%
Net Change in Loans Held-for-Investment	-180.02	-252.07	-476.53	-402.08	-81.39	362.35
Capital Expenditures	-24.14	-26.27	-29.01	-24.81	-37.22	-33.37
Other Investing Activities	-3.21	35.76	65.11	24.94	-11.62	10.92
Investing Cash Flow	-169.72	-242.59	-440.43	-401.94	-130.24	339.9
Short-Term Debt Issued	1,385	1,273	2,031	1,196	779.51	821.93
Short-Term Debt Repaid	-1,477	-1,359	-1,868	-989.63	-515.7	-896.42
Net Short-Term Debt Issued (Repaid)	-92.52	-85.76	163.36	206.42	263.81	-74.49
Long-Term Debt Issued	500	500	1,000	334.19	-	353.75
Long-Term Debt Repaid	-115.97	-264.64	-811.18	-264.28	-260.23	-520.18
Net Long-Term Debt Issued (Repaid)	384.04	235.36	188.82	69.91	-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	23.13	44.85	317.77	268.3	-107.45	-655.69
Effect of Exchange Rate Changes on Cash and Cash Equivalents	-3.57	1.45	7.99	-4.9	-18.73	13.2
Net Cash Flow	43.65	-44.53	33.51	19.35	-27	-12.74
Free Cash Flow	166.11	126.93	127.16	128.18	173.46	269.68
Free Cash Flow Growth	30.86%	-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	7.21	5.39	5.33	5.42	6.65	8.66
Levered Free Cash Flow	607.62	388.34	269.11	92.22	169.62	129.57
Unlevered Free Cash Flow	19.82	-18.1	56.18	22.38	-28.52	19.7

Updated May 6, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q