ENCORE CAPITAL GROUP INC
ENCORE CAPITAL GROUP INC
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Variable Interest Entity Primary Beneficiary | - | 50 | 40 | -1 | -1 | 37 | 24 | 2 | -0 | 27 | 24 | -1 | |||||
Assets | |||||||||||||||||
Cash And Cash Equivalents At Carrying Value | 183 | 227 | 157 | 172 | 173 | 187 | 200 | 247 | 251 | 173 | 158 | 145 | |||||
Notes Receivable Net | 4,610 | 4,437 | 4,372 | 4,270 | 4,185 | 3,953 | 3,776 | 3,719 | 3,583 | 3,531 | 3,468 | 3,321 | |||||
Certain Loans Acquired In Transfer Not Accounted F… | - | - | - | - | - | - | - | - | 3,583 | 3,531 | 3,468 | 3,321 | |||||
Property Plant And Equipment Net | 81 | 79 | 82 | 82 | 84 | 82 | 81 | 104 | 102 | 103 | 104 | 102 | |||||
Other Assets | 163 | 177 | 193 | 198 | 207 | 229 | 225 | 295 | 278 | 278 | 293 | 367 | |||||
Goodwill | 529 | 529 | 536 | 536 | 543 | 519 | 508 | 628 | 603 | 602 | 606 | 826 | |||||
Assets | 5,565 | 5,451 | 5,340 | 5,258 | 5,191 | 4,970 | 4,790 | 4,994 | 4,817 | 4,687 | 4,630 | 4,760 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Liabilities | |||||||||||||||||
Accounts Payable And Accrued Liabilities Current A… | 191 | 252 | 230 | 260 | 215 | 234 | 234 | 223 | 198 | 180 | 190 | 191 | |||||
Debt And Capital Lease Obligations | 4,180 | 4,033 | 4,001 | 3,934 | 3,965 | 3,791 | 3,673 | 3,551 | 3,455 | 3,364 | 3,318 | 3,114 | |||||
Other Liabilities | 116 | 130 | 131 | 111 | 115 | 126 | 116 | 172 | 176 | 189 | 186 | 257 | |||||
Liabilities | 4,487 | 4,416 | 4,363 | 4,305 | 4,295 | 4,151 | 4,022 | 3,946 | 3,829 | 3,733 | 3,694 | 3,562 | |||||
Stockholders Equity Inclu… | |||||||||||||||||
Preferred Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Additional Paid In Capital | 0 | 0 | 0 | 0 | 0 | 10 | 19 | 17 | 13 | 9 | 11 | 8 | |||||
Retained Earnings Accumulated Deficit | 1,210 | 1,167 | 1,105 | 1,084 | 1,015 | 957 | 910 | 1,135 | 1,105 | 1,072 | 1,049 | 1,320 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -131 | -132 | -128 | -131 | -119 | -148 | -162 | -104 | -130 | -127 | -124 | -129 | |||||
Stockholders Equity | 1,079 | 1,035 | 977 | 953 | 896 | 819 | 767 | 1,048 | 988 | 954 | 937 | 1,199 | |||||
Liabilities And Stockholders Equity | 5,565 | 5,451 | 5,340 | 5,258 | 5,191 | 4,970 | 4,790 | 4,994 | 4,817 | 4,687 | 4,630 | 4,760 | |||||
Preferred Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |||||
Preferred Stock Shares Authorized | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | |||||
Preferred Stock Shares Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |||||
Common Stock Shares Authorized | 75 | 75 | 75 | 75 | 75 | 75 | 75 | 75 | 75 | 75 | 75 | 75 | |||||
Common Stock Shares Issued | 21 | 21 | 22 | 23 | 23 | 24 | 24 | 24 | 24 | 24 | 24 | 24 | |||||
Shares Outstanding | 21 | 21 | 22 | 23 | 23 | 24 | 24 | 24 | 24 | 24 | 24 | 24 | |||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -5.12% | 7.57% | 7.03% | - | - | - | - | - | - | - | - | - |
| 2025 | 15.13% | 19.78% | 17.25% | 11.78% | 16.80% | 19.66% | 21.38% | 29.87% | 28.61% | 14.96% | 36.47% | 37.94% |
| 2024 | 2.31% | -3.49% | 16.33% | 11.76% | 5.07% | 0.74% | -1.17% | -4.52% | 0.40% | -30.22% | -39.01% | -18.73% |
| 2023 | - | - | - | - | - | - | 16.16% | 34.52% | 35.21% | -13.68% | -19.84% | -11.81% |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | 2.42 | 2.30 | 2.13 | 1.11 | 0.90 | 0.76 | 0.62 | 0.31 | 0.20 | 0.14 | 0.08 | 1.22 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 13.23 | 13.27 | 10.91 | -1.92 | -3.78 | -4.77 | -5.83 | -7.57 | -8.13 | -8.25 | -8.72 | -0.36 | |||||
| Free Cash Flow Per Share TTM | 5.81 | 7.64 | 5.46 | 5.69 | 4.09 | 5.08 | 5.33 | 5.89 | 6.18 | 5.94 | 5.42 | 5.87 | |||||
| Dividend Per Share TTM | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 238.91% | -439.83% | -418.43% | 407.31% | -117.94% | 216.11% | -12.02% | 141.00% | 324.46% | 313.17% | 342.83% | 111.59% | |||||
| Operating Profit Margin TTM | -212.64% | 787.82% | 708.97% | -220.14% | 126.01% | -91.87% | 185.57% | 47.51% | 44.20% | 30.32% | 19.89% | 14.14% | |||||
| Net Profit Margin TTM | -89.37% | 342.60% | 290.58% | 31.14% | -44.58% | 52.33% | -164.24% | -118.06% | -198.00% | -204.14% | -248.38% | -0.54% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | -268.74% | -139.12% | 4.25% | -192.65% | 102.00% | -323.53% | 1.98% | -90.44% | -92.66% | -94.13% | -94.05% | 6.18% | |||||
| Net Income Growth (1Y) | -438.27% | -356.11% | -284.45% | -75.57% | -54.52% | -42.69% | -32.57% | 1,987.47% | -6,026.91% | -639.19% | -206.13% | -102.57% | |||||
| EPS Growth (1Y) | -468.92% | -381.46% | -289.52% | -74.84% | -53.79% | -42.92% | -33.14% | 1,970.01% | -5,974.05% | -633.84% | -208.25% | -102.60% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 6.67 | 5.14 | 4.92 | -21.48 | -10.21 | -7.08 | -8.19 | -6.12 | -5.08 | -5.37 | -5.82 | -127.99 | |||||
| P/B TTM | 1.86 | 1.47 | 1.29 | 1.02 | 1.02 | 1.00 | 1.49 | 1.08 | 1.01 | 1.14 | 1.28 | 0.94 | |||||
| P/S TTM | -5.96 | 17.62 | 14.29 | -6.69 | 4.55 | -3.70 | 13.45 | 7.23 | 10.07 | 10.97 | 14.45 | 0.69 | |||||
| Market Cap | 2.01B | 1.52B | 1.26B | 969.29M | 909.96M | 818.57M | 1.14B | 1.13B | 996.64M | 1.08B | 1.20B | 1.13B | |||||
| Enterprise Value | 1.83B | 1.30B | 1.11B | 796.80M | 737.06M | 631.46M | 940.55M | 882.97M | 746.02M | 911.80M | 1.04B | 987.77M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 125.14M | 166.11M | 126.93M | 132.04M | 96.20M | 121.33M | 127.16M | 140.91M | 147.51M | 141.28M | 128.18M | 139.10M | |||||
| Net Debt | -182.93M | -227.20M | -156.78M | -172.49M | -172.90M | -187.12M | -199.87M | -247.35M | -250.62M | -172.99M | -158.36M | -144.71M | |||||
Per-Share and Margin | |||||||||||||||||
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| Adjusted EPS TTM | |||||||||||||||||
| Cash Flow Per Share TTM | |||||||||||||||||
| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
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| Average Inventory | |||||||||||||||||
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| Inventory Turnover TTM | |||||||||||||||||
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| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
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| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
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| Net Income Growth (3Y) | |||||||||||||||||
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| Net Profit Margin Growth (1Y) | |||||||||||||||||
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| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
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| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
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| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
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| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
ENCORE CAPITAL GROUP INC (ECPG) — SEC Financial Statements & Analysis
ENCORE CAPITAL GROUP INC (ECPG) is a short-term business credit institutions company, incorporated in DE. ENCORE CAPITAL GROUP INC trades on Nasdaq as: ECPG. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), ENCORE CAPITAL GROUP INC reported a -268.74% year-over-year revenue growth, a Gross Profit Margin of 238.91% (TTM), a Price-to-Sales (P/S) ratio of -5.96x (TTM), a Price-to-Book (P/B) ratio of 1.86x (TTM), at a market cap of $2.01B. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- -268.74%
- Gross Profit Margin TTM
- 238.91%
- P/S TTM
- -5.96x
- P/B TTM
- 1.86x
- Market Cap
- $2.01B
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is ENCORE CAPITAL GROUP INC in?
ENCORE CAPITAL GROUP INC (ECPG) operates in the Short-Term Business Credit Institutions industry.
What is ECPG's market cap?
ENCORE CAPITAL GROUP INC (ECPG) has a market capitalization of $2.01B as of 2026-06-30.
What is ECPG's P/E ratio?
ENCORE CAPITAL GROUP INC (ECPG)'s trailing twelve month P/E ratio is 6.67x as of 2026-06-30.
What exchange does ECPG trade on?
ENCORE CAPITAL GROUP INC (ECPG) trades on the Nasdaq.
Where is ENCORE CAPITAL GROUP INC incorporated?
ENCORE CAPITAL GROUP INC is incorporated in DE.