Encore Capital Group, Inc.

Encore Capital Group, Inc.

ECPG
Encore Capital Group, Inc.US flagNASDAQ Global Select
81.34
USD
+0.90
- -
1.74BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
31.36
40.36
43.93
40.03
45.7
48.11
44.78
47.77
53.59
57.92
51.66
55.14
76.13
81.56
Basic EPS, GAAP
3.05
4.01
1.75
2.98
3.2
4.09
5.38
6.74
11.64
8.06
-8.72
-5.83
11.05
13.05
Free Cash Flow per Basic Share
2.49
3.42
3.4
3.84
3.68
4.21
6.57
8.85
8.38
5.56
4.28
5.32
5.46
7.32
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
16.01
19.29
21.14
21.81
23.74
25.45
28.46
33.6
41.12
52.96
44.33
38.13
47.55
51.42
Tangible Book Value per Share
3.03
-9.85
-11.35
-8.27
-10.81
-3.85
2.88
8.53
8.34
13.93
13.94
10.87
18.96
22.26
Basic Weighted Avg Shares
25
26
26
26
26
28
31
31
30
24
24
24
23
23
Sales/Revenue/Turnover
773
1,043
1,130
1,029
1,187
1,362
1,398
1,501
1,614
1,398
1,223
1,316
1,769
1,851
Operating Margin (%)
25.65
29.56
24.98
23.46
27.34
29.76
32.7
35.54
39.22
33.34
22.37
21
35.43
36.8
Depreciation Expense
14
27
33
35
40
41
41
43
50
46
42
32
29
28
Net Income, GAAP
75
104
45
77
83
116
168
212
351
195
-206
-139
257
296
Effective Tax Rate (%)
37.55
34.29
27.74
66.59
39.66
29.88
16.07
24.88
19.55
37.44
- -
- -
23.6
23.53
Profit Margin (%)
9.74
9.94
3.99
7.44
7.01
8.51
12.01
14.11
21.73
13.91
-16.89
-10.58
14.52
16
Working Capital
-101
-367
-659
-697
-483
-730
-1,045
-565
-485
-58
-19
42
10
-628
LT Debt
1,494
2,182
2,213
2,120
2,871
2,764
2,427
2,654
2,483
2,830
3,289
3,673
4,001
3,352
Total Equity
602
665
648
601
724
820
1,025
1,220
1,185
1,180
937
767
977
1,035
Return on Invested Capital (%)
6.94
6.88
5.8
2.31
5.17
6.7
8.67
8.87
11.73
7.06
- -
- -
10.17
10.77
Return on Capital (%)
7.26
7.63
4.95
5.72
5.54
6.85
8.11
8.43
11.35
6.91
- -
- -
9.72
10.32
Return on Common Equity (%)
21.08
23.22
8.66
13.86
14.14
17.33
20.87
21.79
30.57
15.46
-17.74
-14.21
25.49
27.9

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
927
- -
681
LT Borrowings
3,006
4,001
3,352
LT Finance Leases
1
1
1
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
23
22
21
Market Capitalization
986
1,263
1,592

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
251
240
305
Cash, Cash Equivalents & STI
172
157
227
Accounts Receivable, Net
14
21
12
Inventories
- -
- -
- -
Total Current Liabilities
1,187
230
934
Payables & Accruals
260
230
252
ST Debt
927
- -
681
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.57%
-2.94%
27.29%
Free Cash Flow
8.67%
-11.06%
-0.02%
Net Income, GAAP
-31.35%
-100.42%
-284.45%
Sales/Revenue/Turnover
5.48%
4.72%
34.37%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
328
355
367
266
1,316
2025
393
442
460
474
1,769
2026
475
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.98
1.35
1.28
-9.42
-5.83
2025
1.96
2.5
3.22
3.43
11.05
2026
3.97
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

MCPAPIChat
CEO
Ashish Masih
Full Time Employees
7,350
Sector
Financial Services
Industry
Financial - Mortgages
Address
350 Camino De La Reina San Diego CA United States of America 92108
IPO Date
Jul 9, 1999
Business
Encore Capital Group, Inc. is an international specialty finance company engaged in consumer debt buying and recovery. The company purchases portfolios of defaulted consumer receivables from banks, credit unions, and utility providers, and provides debt recovery solutions, debt servicing, and portfolio management services including early-stage collections, business process outsourcing, and contingent collections primarily for consumer accounts, with some services for business-to-business accounts. Encore operates globally with subsidiaries across North America, Europe, Asia, and Latin America, focusing on helping individuals repay their obligations and achieve financial recovery. The company was founded in 1999 and is headquartered in San Diego, California. Latest major developments include significant growth in global portfolio purchases, which increased by 26% to a record $1.35 billion in 2024, driven primarily by its U.S. Market Collection Management (MCM) business, which raised U.S. portfolio purchases by 23% to $1 billion and increased collections by 20%. In Europe and the U.K., the Cabot Credit Management subsidiary saw portfolio purchases increase by 36%, accompanied by a major restructuring effort aimed at resolving longstanding operational challenges. Encore continues to develop an omni-channel collections approach integrating various consumer-facing resources to improve efficiency. The company also maintains a flexible funding structure to target capital deployment toward geographies with the highest returns. It remains focused on expanding portfolio purchases and collections growth in 2025, projecting a 11% increase in global collections to $2.4 billion. Additionally, Encore issued $1 billion in senior secured notes in 2024 to support its growth initiatives. Encore Capital Group operates primarily in the specialty finance and debt recovery industry segments, serving financial institutions, utility providers, and individual consumers across multiple regions worldwide. The company leverages data analytics and operational scale to optimize collections while adhering to regulatory compliance and customer service standards.

Company News

MCPAPIChat
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