Encore Capital Group (ECPG) Financials: History & Chart

Encore Capital Group, Inc.(ECPG)

Financial - Credit Services · San Diego, CA

$98.83+0.91 (+0.93%)

Delayed quote: Oct 6, 2026, 3:55 PM EDT

About Encore Capital Group, Inc.

Encore Capital Group, Inc. operates as a specialized financial institution, offering global solutions for debt resolution and associated support services to individual consumers holding diverse financial assets. The company acquires portfolios of consumer debts that are in default, often at substantial discounts from their original value. It then oversees these accounts by engaging with individuals to assist them in fulfilling their repayment responsibilities and working towards their financial recovery. Additionally, Encore Capital Group provides a range of services including initial collection efforts, business process outsourcing, performance-based collection, loan servicing, and various other portfolio administration services to lenders grappling with non-performing loans. The enterprise was established in 1999 and its main offices are situated in San Diego, California.

San Diego, CA

7,350 employees

www.encorecapital.com

Financial Services / Financial - Credit Services

Sector: Financial Services
Industry: Financial - Credit Services
CEO: Ashish Masih

View full financials

Financials

SEC Filings

Quarterly Income Statement (USD)

Swipe horizontally to review earlier periods. The line-item column stays pinned.

Quarterly Report	TTM	Quarter ended Jun 2026	Quarter ended Mar 2026	Quarter ended Dec 2025	Quarter ended Sep 2025	Quarter ended Jun 2025	Quarter ended Mar 2025	Quarter ended Dec 2024	Quarter ended Sep 2024
Revenue	1.90B	491.87M	472.94M	473.55M	460.35M	442.12M	392.77M	265.62M	367.07M
Cost of Goods Sold	683.64M	304.97M	144.11M	30.83M	203.73M	117.74M	105.93M	181.89M	139.31M
Gross Profit	1.22B	186.90M	328.83M	442.72M	256.62M	324.38M	286.84M	83.73M	227.76M
Gross Profit Margin	64.0%	38.0%	69.5%	93.5%	55.7%	73.4%	73.0%	31.5%	62.0%
Total Operating Expenses	498.62M	0.00	145.85M	269.32M	83.45M	173.65M	157.50M	217.92M	121.67M
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	122.33M	38.72M	0.00	44.38M	39.22M	41.33M	41.02M	52.02M	38.81M
Operating Income (EBIT)	716.45M	186.90M	182.98M	173.39M	173.18M	150.73M	129.34M	-134.19M	106.09M
Operating Margin	37.7%	38.0%	38.7%	36.6%	37.6%	34.1%	32.9%	-50.5%	28.9%
Income Before Tax (EBT)	392.26M	82.85M	111.73M	97.82M	99.86M	78.02M	60.46M	-209.98M	40.76M
Interest Income	453.86M	N/A	453.86M	N/A	N/A	N/A	N/A	11.07M	-3.99M
Interest Expense	290.23M	73.91M	70.57M	75.19M	70.55M	70.52M	67.20M	79.57M	62.91M
Other Income/Expense	-324.19M	-104.06M	-71.25M	-75.58M	-73.31M	-72.72M	-68.88M	-75.79M	-65.33M
Net Income	301.56M	64.00M	86.24M	76.66M	74.66M	58.72M	46.80M	-225.31M	30.64M
Income Tax Expense	90.70M	18.85M	25.49M	21.16M	25.20M	19.30M	13.66M	15.33M	10.12M
Net Profit Margin	15.9%	13.0%	18.2%	16.2%	16.2%	13.3%	11.9%	-84.8%	8.3%
EBITDA	744.53M	194.01M	189.84M	180.33M	180.35M	158.04M	136.69M	-125.22M	114.25M
EBITDA Margin	39.2%	39.4%	40.1%	38.1%	39.2%	35.7%	34.8%	-47.1%	31.1%
Depreciation & Amortization	28.07M	7.11M	6.86M	6.93M	7.17M	7.31M	7.34M	8.97M	8.16M
EPS Basic	13.59	2.97	3.97	3.43	3.22	2.50	1.96	-9.42	1.28
EPS Diluted	13.21	2.81	3.86	3.37	3.17	2.49	1.93	-9.42	1.26
Weighted Average Basic Shares	21.55M	21.55M	21.73M	22.35M	23.22M	23.51M	23.88M	23.87M	23.91M
Weighted Average Diluted Shares	22.79M	22.79M	22.32M	22.78M	23.52M	23.58M	24.27M	23.87M	24.41M

Annual Income Statement (USD)

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Annual Report	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018
Revenue	1.76B	1.32B	1.22B	1.40B	1.61B	1.50B	1.40B	1.36B
Cost of Goods Sold	546.73M	712.80M	651.44M	628.65M	686.51M	667.00M	642.90M	622.22M
Gross Profit	1.22B	603.56M	571.24M	769.70M	927.98M	834.40M	754.78M	739.81M
Gross Profit Margin	69.0%	45.9%	46.7%	55.0%	57.5%	55.6%	54.0%	54.3%
Total Operating Expenses	592.22M	446.23M	554.70M	307.53M	294.71M	300.84M	308.44M	334.51M
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	165.95M	163.85M	144.86M	145.80M	137.69M	149.11M	148.26M	158.35M
Operating Income (EBIT)	623.56M	157.33M	16.54M	462.17M	633.27M	533.56M	446.35M	405.30M
Operating Margin	35.4%	12.0%	1.4%	33.1%	39.2%	35.5%	31.9%	29.8%
Income Before Tax (EBT)	336.16M	-96.22M	-180.26M	310.99M	436.54M	282.90M	201.24M	156.49M
Interest Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	287.63M	252.54M	201.88M	153.31M	169.65M	209.36M	217.77M	237.35M
Other Income/Expense	-287.40M	-253.54M	-196.80M	-151.19M	-196.73M	-250.66M	-245.10M	-248.81M
Net Income	256.83M	-139.24M	-206.49M	194.56M	350.78M	211.85M	167.87M	115.89M
Income Tax Expense	79.33M	43.03M	26.23M	116.42M	85.34M	70.37M	32.33M	46.75M
Net Profit Margin	14.6%	-10.6%	-16.9%	13.9%	21.7%	14.1%	12.0%	8.5%
EBITDA	652.32M	189.76M	58.27M	508.59M	683.35M	576.34M	487.37M	446.53M
EBITDA Margin	37.0%	14.4%	4.8%	36.4%	42.3%	38.4%	34.9%	32.8%
Depreciation & Amortization	28.76M	32.43M	41.74M	46.42M	50.08M	42.78M	41.03M	41.23M
EPS Basic	11.05	-5.83	-8.72	8.06	11.64	6.74	5.38	4.09
EPS Diluted	10.91	-5.83	-8.72	7.46	11.26	6.68	5.33	4.06
Weighted Average Basic Shares	23.23M	23.87M	23.67M	24.14M	30.13M	31.43M	31.21M	28.31M
Weighted Average Diluted Shares	23.53M	23.87M	23.67M	26.09M	31.15M	31.71M	31.47M	28.57M

Values are displayed in USD. Negative numbers shown in red.

Values are displayed in USD. Negative numbers are shown in red.