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Encore Capital Group, Inc. (ECPG)

Nasdaq Financials Consumer Finance S&P SmallCap 600
$114.14
-12.03 (-9.53%)
Close of Nov 06, 2026 · end-of-day data
Source: Encore Capital Group, Inc.'s 10-K / 10-Q XBRL data on SEC EDGAR · fetched Nov 05, 2026

Revenue, net income & free cash flow

Income statement

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue$82.64M$90.09M$148.04M$126.53M$115.12M$120.78M$94.92M$83.14M$84.78M$88.39M
Operating income$241.51M$324.54M$405.30M$446.35M$533.56M$633.27M$462.17M$16.54M$157.33M$626.65M
Interest expense$198.37M$204.16M$237.35M$217.77M$209.36M$169.65M$153.31M$201.88M$252.54M$293.91M
Pre-tax income$57.38M$131.23M$156.49M$201.24M$282.90M$436.54M$310.99M-$180.26M-$96.22M$336.16M
Income tax$38.20M$52.05M$46.75M$32.33M$70.37M$85.34M$116.42M$26.23M$43.03M$79.33M
Net income$76.57M$83.23M$115.89M$167.87M$211.85M$350.78M$194.56M-$206.49M-$139.24M$256.83M
EBITDA$276.38M$364.52M$446.53M$487.37M$576.34M$683.35M$508.59M$58.27M$189.76M$655.41M
EPS (basic)$2.98$3.20$4.09$5.38$6.74$11.64$8.06$-8.72$-5.83$11.05
EPS (diluted)$2.96$3.15$4.06$5.33$6.68$11.26$7.46$-8.72$-5.83$10.91
Diluted shares25.91M26.41M28.57M31.47M31.71M31.15M26.09M23.67M23.87M23.53M
Operating margin292.2%360.3%273.8%352.8%463.5%524.3%486.9%19.9%185.6%709.0%
Net margin92.7%92.4%78.3%132.7%184.0%290.4%205.0%-248.4%-164.2%290.6%

Balance sheet

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash & equivalents$149.76M$212.14M$157.42M$192.34M$189.18M$189.65M$143.91M$158.36M$199.87M$156.78M
Goodwill$785.03M$928.99M$868.13M$884.18M$906.96M$897.79M$821.21M$606.48M$507.81M$536.29M
Total assets$3.67B$4.49B$4.63B$4.91B$4.86B$4.61B$4.51B$4.63B$4.79B$5.34B
Long-term debt$2.86B$3.53B$3.58B$3.59B$3.37B$3.06B$2.94B$3.36B$3.71B$4.03B
Total debt$2.86B$3.53B$3.58B$3.59B$3.37B$3.06B$2.94B$3.36B$3.71B$4.03B
Total liabilities$3.07B$3.77B$3.81B$3.88B$3.64B$3.42B$3.33B$3.69B$4.02B$4.36B
Shareholders' equity$559.30M$581.86M$818.01M$1.02B$1.22B$1.19B$1.18B$936.54M$767.33M$976.75M

Cash flow

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow$130.33M$123.82M$186.79M$244.73M$312.86M$303.05M$210.68M$152.99M$156.17M$153.20M
Capital expenditures$31.67M$28.13M$67.47M$39.60M$34.60M$33.37M$37.22M$24.81M$29.01M$26.27M
Free cash flow$98.66M$95.69M$119.32M$205.13M$278.26M$269.68M$173.46M$128.18M$127.16M$126.93M
Investing cash flow-$168.79M-$452.13M-$397.52M-$202.33M$82.83M$339.90M-$130.24M-$401.94M-$440.43M-$242.59M
Financing cash flow$43.25M$378.22M$166.38M-$19.77M-$403.20M-$655.69M-$107.44M$268.30M$317.77M$44.85M
Share buybacks$0$0—$0$0$390.61M$87.01M$0$0$90.40M
Stock-based compensation$12.63M$10.40M$12.98M$12.56M$16.56M$18.33M$15.40M$13.85M$14.01M$18.27M
Depreciation & amortization$34.87M$39.98M$41.23M$41.03M$42.78M$50.08M$46.42M$41.74M$32.43M$28.76M

Quarterly figures are rebuilt from the year-to-date totals companies report — Q4 is the full year minus the first nine months, since no 10-Q is filed for it. Values are as filed; later restatements replace earlier ones. Fiscal years are labelled by the calendar year in which they end.