Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the operating margin high or low?
The operating margin of 37.73% is 13% above its 5-year average of 33.52%, near the high end of its 5-year range (-78.30%–53.04%).
1.96% above its 12-month average of 37.00%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 38.00%.
OPERATING MARGIN
37.73%
OPERATING MARGIN AVG TTM
37.00%
OPERATING MARGIN AVG 3Y
32.06%
OPERATING MARGIN AVG 5Y
33.52%
OPERATING MARGIN AVG 10Y
31.29%
OPERATING MARGIN AVG 15Y
30.35%
OPERATING MARGIN AVG 20Y
28.03%
CURRENT VS TTM AVG
+1.96%
CURRENT VS 3Y AVG
+17.70%
CURRENT VS 5Y AVG
+12.55%
CURRENT VS 10Y AVG
+20.59%
CURRENT VS 15Y AVG
+24.30%
CURRENT VS 20Y AVG
+34.59%
SECTOR MEDIAN · FINANCIAL SERVICES
16.68%
median of 587 covered companies
CURRENT VS SECTOR MEDIAN
+126.20%
vs the sector median at left
Encore Capital Group, Inc.
Market Cap
$2.10B
Operating Margin
37.73%
TTM Avg
37.00%
3Y Avg
32.06%
5Y Avg
33.52%
Market Cap
$2.03B
Operating Margin
8.03%
TTM Avg
-3.58%
3Y Avg
-28.89%
5Y Avg
-36.22%
Market Cap
$2.18B
Operating Margin
27.68%
TTM Avg
29.75%
3Y Avg
35.32%
5Y Avg
34.62%
Market Cap
$2.00B
Operating Margin
38.00%
TTM Avg
40.20%
3Y Avg
43.24%
5Y Avg
44.21%
Market Cap
$2.20B
Operating Margin
15.93%
TTM Avg
17.98%
3Y Avg
23.03%
5Y Avg
24.37%
Market Cap
$1.98B
Operating Margin
27.68%
TTM Avg
29.75%
3Y Avg
35.32%
5Y Avg
34.62%
Market Cap
$2.26B
Operating Margin
18.81%
TTM Avg
18.81%
3Y Avg
18.81%
5Y Avg
18.81%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Encore Capital Group, Inc. (ECPG) | $2.10B | 37.73% | 37.00% | 32.06% | 33.52% |
| First Busey Corporation (BUSEP)vs › | $2.08B | N/A | N/A | N/A | N/A |
| Porch Group, Inc. (PRCH)vs › | $2.03B | 8.03% | -3.58% | -28.89% | -36.22% |
| Enterprise Financial Services Corp (EFSC)vs › | $2.18B | 27.68% | 29.75% | 35.32% | 34.62% |
| City Holding Company (CHCO)vs › | $2.00B | 38.00% | 40.20% | 43.24% | 44.21% |
| eToro Group Ltd. (ETOR)vs › | $2.20B | 3.75% | 2.06% | 0.59% | -1.21% |
| Northwest Bancshares, Inc. (NWBI)vs › | $2.20B | 15.93% | 17.98% | 23.03% | 24.37% |
| Enterprise Financial Services Corp (EFSCP)vs › | $1.98B | 27.68% | 29.75% | 35.32% | 34.62% |
| Ethos Technologies Inc. (LIFE)vs › | $2.26B | 18.81% | 18.81% | 18.81% | 18.81% |
| Brighthouse Financial, Inc. (BHFAP)vs › | $2.26B | 15.52% | 8.64% | 12.84% | 15.04% |
Operating Margin
37.7%
Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Operating Margin = Operating Income / Revenue
Operating margin is the percentage of revenue remaining after operating expenses, reflecting operating efficiency.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | OPERATING MARGIN |
|---|---|
| 2026-06-30 | 38.00% |
| 2026-03-31 | 38.69% |
| 2025-12-31 | 36.62% |
| 2025-09-30 | 37.62% |
| 2025-06-30 | 34.09% |
| 2025-03-31 | 32.93% |
| 2024-12-31 | -50.52% |
| 2024-09-30 | 28.90% |
| 2024-06-30 | 28.66% |
| 2024-03-31 | 25.46% |
| 2023-12-31 | -78.30% |
| 2023-09-30 | 24.39% |
| 2023-06-30 | 27.26% |
| 2023-03-31 | 22.43% |
| 2022-12-31 | -0.99% |
| 2022-09-30 | 26.16% |
| 2022-06-30 | 33.33% |
| 2022-03-31 | 53.04% |
| 2021-12-31 | 34.71% |
| 2021-09-30 | 40.39% |
| 2021-06-30 | 40.75% |
| 2021-03-31 | 40.38% |
| 2020-12-31 | 32.46% |
| 2020-09-30 | 35.29% |
| 2020-06-30 | 51.57% |
| 2020-03-31 | 16.33% |
| 2019-12-31 | 32.55% |
| 2019-09-30 | 30.44% |
| 2019-06-30 | 32.79% |
| 2019-03-31 | 32.00% |
| 2018-12-31 | 33.23% |
| 2018-09-30 | 28.96% |
| 2018-06-30 | 29.57% |
| 2018-03-31 | 27.07% |
| 2017-12-31 | 20.23% |
| 2017-09-30 | 33.87% |
| 2017-06-30 | 27.70% |
| 2017-03-31 | 27.89% |
| 2016-12-31 | 32.22% |
| 2016-09-30 | -11.81% |
| 2016-06-30 | 31.70% |
| 2016-03-31 | 28.89% |
| 2015-12-31 | 12.69% |
| 2015-09-30 | 11.02% |
| 2015-06-30 | 29.82% |
| 2015-03-31 | 29.84% |
| 2014-12-31 | 31.94% |
| 2014-09-30 | 30.86% |
| 2014-06-30 | 29.16% |
| 2014-03-31 | 26.90% |
| 2013-12-31 | 28.95% |
| 2013-09-30 | 25.95% |
| 2013-06-30 | 19.14% |
| 2013-03-31 | 26.78% |
| 2012-12-31 | 27.67% |
| 2012-09-30 | 28.64% |
| 2012-06-30 | 27.21% |
| 2012-03-31 | 27.70% |
| 2011-12-31 | 27.06% |
| 2011-09-30 | 26.47% |
| 2011-06-30 | 26.62% |
| 2011-03-31 | 25.16% |
| 2010-12-31 | 28.25% |
| 2010-09-30 | 24.19% |
| 2010-06-30 | 24.37% |
| 2010-03-31 | 24.84% |
| 2009-12-31 | 20.80% |
| 2009-09-30 | 23.46% |
| 2009-06-30 | 18.63% |
| 2009-03-31 | 21.28% |
| 2008-12-31 | -4.27% |
| 2008-09-30 | 15.98% |
| 2008-06-30 | 20.22% |
| 2008-03-31 | 24.33% |
| 2007-12-31 | 19.26% |
| 2007-09-30 | 16.98% |
| 2007-06-30 | 21.75% |
| 2007-03-31 | 23.85% |
| 2006-12-31 | 29.30% |
| 2006-09-30 | 25.74% |
| 2006-06-30 | 30.73% |
| 2006-03-31 | 26.11% |
| 2005-12-31 | 34.92% |
| 2005-09-30 | 36.46% |
| 2005-06-30 | 40.65% |
| 2005-03-31 | 39.99% |
| 2004-12-31 | 39.27% |
| 2004-09-30 | 39.14% |
| 2004-06-30 | 41.64% |
| 2004-03-31 | 44.99% |
| 2003-12-31 | 36.96% |
| 2003-09-30 | 34.10% |
| 2003-06-30 | 35.57% |
| 2003-03-31 | 38.16% |
| 2002-12-31 | 37.85% |
| 2002-09-30 | 32.39% |
