Encore Capital Q3 EPS rises 152% to $3.17; 2025 collections guidance raised
Encore Capital Group reported third quarter 2025 results on November 5, 2025, with diluted earnings per share of $3.17, up from $1.26 a year earlier, and total revenues of $460.4 million, up 25%. The company raised its full-year 2025 collections guidance to approximately $2.55 billion, which it says reflects 18% growth, and its board added $300 million to its share repurchase program.
Key points
- Diluted EPS was $3.17 versus $1.26 a year earlier; net income was $74.7 million, up 144%.
- Collections were a record $663 million, up 20%, including $502 million in the U.S.
- Full-year 2025 collections guidance was raised to approximately $2.55 billion; portfolio purchasing guidance was unchanged.
- About $60 million of shares were repurchased year-to-date, and the board added $300 million to the repurchase program.
The filing
Written by AI on Nov 8, 2026, 6:56 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on November 05, 2025.
Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.