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 Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 Revenue | 77.71 | 88.39 | 84.78 | 83.14 | 94.92 | 120.78 |
Other Revenue | 1,908 | 1,680 | 1,232 | 1,140 | 1,303 | 1,494 |
| 1,985 | 1,769 | 1,316 | 1,223 | 1,398 | 1,614 | |
Revenue Growth | 27.20% | 34.37% | 7.66% | -12.56% | -13.39% | 7.53% |
Gross Profit | 1,985 | 1,769 | 1,316 | 1,223 | 1,398 | 1,614 |
Selling, General & Admin | 1,035 | 968.92 | 876.65 | 796.3 | 774.45 | 824.21 |
Other Operating Expenses | 147.19 | 144.48 | 130.8 | 111.18 | 111.23 | 106.94 |
Operating Expenses | 1,210 | 1,142 | 1,040 | 949.22 | 932.1 | 981.23 |
Operating Income | 774.89 | 626.65 | 276.47 | 273.46 | 466.25 | 633.27 |
Interest Expense | -294.45 | -293.91 | -252.55 | -201.88 | -153.31 | -169.72 |
Interest & Investment Income | 4.42 | 4.96 | 7.01 | 4.75 | 1.77 | 1.74 |
Currency Exchange Gain (Loss) | - | - | -8.9 | 5.89 | -22.39 | -28.57 |
Other Non Operating Income (Expenses) | 0.47 | 0.08 | 8.73 | -5.55 | 22.74 | 9.12 |
EBT Excluding Unusual Items | 485.33 | 337.77 | 30.76 | 76.66 | 315.06 | 445.84 |
Impairment of Goodwill | - | - | -100.6 | -238.2 | - | - |
Asset Writedown | - | - | -18.54 | -18.73 | -4.08 | - |
Other Unusual Items | -32.15 | -1.61 | -7.83 | - | - | -9.3 |
Pretax Income | 453.19 | 336.16 | -96.22 | -180.26 | 310.99 | 436.54 |
Income Tax Expense | 102.27 | 79.33 | 43.03 | 26.23 | 116.43 | 85.34 |
Earnings From Continuing Operations | 350.91 | 256.83 | -139.24 | -206.49 | 194.56 | 351.2 |
Net Income to Company | 350.91 | 256.83 | -139.24 | -206.49 | 194.56 | 351.2 |
Minority Interest in Earnings | - | - | - | - | - | -0.42 |
Net Income | 350.91 | 256.83 | -139.24 | -206.49 | 194.56 | 350.78 |
Net Income to Common | 350.91 | 256.83 | -139.24 | -206.49 | 194.56 | 350.78 |
Net Income Growth | - | - | - | - | -44.53% | 65.58% |
Shares Outstanding (Basic) | 22 | 23 | 24 | 24 | 24 | 30 |
Shares Outstanding (Diluted) | 23 | 24 | 24 | 24 | 26 | 31 |
Shares Change | -4.64% | -1.42% | 0.86% | -9.28% | -16.25% | -1.76% |
EPS (Basic) | 16.14 | 11.05 | -5.83 | -8.72 | 8.06 | 11.64 |
EPS (Diluted) | 15.57 | 10.91 | -5.83 | -8.72 | 7.46 | 11.26 |
EPS Growth | - | - | - | - | -33.75% | 68.56% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Free Cash Flow | 151.46 | 126.93 | 127.16 | 128.18 | 173.46 | 269.68 |
Free Cash Flow Per Share | 6.72 | 5.39 | 5.33 | 5.42 | 6.65 | 8.66 |
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% |
Profit Margin | 17.68% | 14.52% | -10.58% | -16.89% | 13.91% | 21.73% |
Free Cash Flow Margin | 7.63% | 7.18% | 9.66% | 10.48% | 12.40% | 16.70% |
EBITDA | 802.91 | 655.41 | 308.91 | 315.2 | 512.67 | 683.35 |
EBITDA Margin | 40.44% | 37.05% | 23.47% | 25.78% | 36.66% | 42.33% |
D&A For EBITDA | 28.02 | 28.76 | 32.43 | 41.74 | 46.42 | 50.08 |
EBIT | 774.89 | 626.65 | 276.47 | 273.46 | 466.25 | 633.27 |
EBIT Margin | 39.03% | 35.43% | 21.00% | 22.37% | 33.34% | 39.22% |
Effective Tax Rate | 22.57% | 23.60% | - | - | 37.44% | 19.55% |
Revenue as Reported | 216.57 | - | - | - | - | - |