Basis: Trailing twelve months (TTM net income over TTM revenue). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the net profit margin high or low?
The net profit margin of 15.88% is 20% above its 5-year average of 13.23%, near the high end of its 5-year range (-97.61%–35.17%).
3.20% above its 12-month average of 15.39%.
Reported quarterly profit margin; no daily interpolation. Q2 FY2026 (2026-06-30): 13.01%.
NET PROFIT MARGIN
15.88%
NET PROFIT MARGIN AVG TTM
15.39%
NET PROFIT MARGIN AVG 3Y
11.61%
NET PROFIT MARGIN AVG 5Y
13.23%
NET PROFIT MARGIN AVG 10Y
10.98%
NET PROFIT MARGIN AVG 15Y
10.59%
NET PROFIT MARGIN AVG 20Y
10.67%
CURRENT VS TTM AVG
+3.20%
CURRENT VS 3Y AVG
+36.77%
CURRENT VS 5Y AVG
+20.01%
CURRENT VS 10Y AVG
+44.62%
CURRENT VS 15Y AVG
+49.88%
CURRENT VS 20Y AVG
+48.83%
SECTOR MEDIAN · FINANCIAL SERVICES
13.21%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
+20.26%
vs the sector median at left
Encore Capital Group, Inc.
Market Cap
$2.09B
Net Profit Margin
15.88%
TTM Avg
15.39%
3Y Avg
11.61%
5Y Avg
13.23%
Market Cap
$2.07B
Net Profit Margin
28.09%
TTM Avg
24.81%
3Y Avg
26.38%
5Y Avg
26.85%
Market Cap
$2.03B
Net Profit Margin
30.63%
TTM Avg
31.84%
3Y Avg
31.64%
5Y Avg
31.25%
Market Cap
$2.16B
Net Profit Margin
19.26%
TTM Avg
22.41%
3Y Avg
27.24%
5Y Avg
26.99%
Market Cap
$2.18B
Net Profit Margin
18.13%
TTM Avg
13.84%
3Y Avg
17.73%
5Y Avg
18.85%
Market Cap
$1.99B
Net Profit Margin
19.26%
TTM Avg
22.41%
3Y Avg
27.24%
5Y Avg
26.99%
Market Cap
$1.99B
Net Profit Margin
34.71%
TTM Avg
32.41%
3Y Avg
34.73%
5Y Avg
35.43%
| NAME | MARKET CAP | NET PROFIT MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Encore Capital Group, Inc. (ECPG) | $2.09B | 15.88% | 15.39% | 11.61% | 13.23% |
| First Busey Corporation (BUSEP)vs › | $2.08B | N/A | N/A | N/A | N/A |
| 1st Source Corporation (SRCE)vs › | $2.07B | 28.09% | 24.81% | 26.38% | 26.85% |
| The Bancorp, Inc. (TBBK)vs › | $2.03B | 30.63% | 31.84% | 31.64% | 31.25% |
| Enterprise Financial Services Corp (EFSC)vs › | $2.16B | 19.26% | 22.41% | 27.24% | 26.99% |
| Northwest Bancshares, Inc. (NWBI)vs › | $2.18B | 18.13% | 13.84% | 17.73% | 18.85% |
| Enterprise Financial Services Corp (EFSCP)vs › | $1.99B | 19.26% | 22.41% | 27.24% | 26.99% |
| City Holding Company (CHCO)vs › | $1.99B | 34.71% | 32.41% | 34.73% | 35.43% |
| WaFd, Inc. (WAFD)vs › | $2.21B | 18.47% | 15.00% | 21.43% | 23.06% |
| eToro Group Ltd. (ETOR)vs › | $2.21B | 3.08% | 1.54% | 0.02% | -2.16% |
Operating Margin
37.7%
Net Profit Margin
15.9%
Net Profit Margin = Net Income / Revenue
Net profit margin is the percentage of revenue that becomes net income after all expenses, taxes, and interest.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | NET PROFIT MARGIN |
|---|---|
| 2026-06-30 | 13.01% |
| 2026-03-31 | 18.24% |
| 2025-12-31 | 16.19% |
| 2025-09-30 | 16.22% |
| 2025-06-30 | 13.28% |
| 2025-03-31 | 11.91% |
| 2024-12-31 | -84.82% |
| 2024-09-30 | 8.35% |
| 2024-06-30 | 9.06% |
| 2024-03-31 | 7.08% |
| 2023-12-31 | -97.61% |
| 2023-09-30 | 6.25% |
| 2023-06-30 | 8.14% |
| 2023-03-31 | 5.96% |
| 2022-12-31 | -31.25% |
| 2022-09-30 | 10.23% |
| 2022-06-30 | 16.93% |
| 2022-03-31 | 35.17% |
| 2021-12-31 | 21.29% |
| 2021-09-30 | 20.25% |
| 2021-06-30 | 22.56% |
| 2021-03-31 | 22.70% |
| 2020-12-31 | 9.75% |
| 2020-09-30 | 13.54% |
| 2020-06-30 | 30.59% |
| 2020-03-31 | -3.62% |
| 2019-12-31 | 12.39% |
| 2019-09-30 | 10.92% |
| 2019-06-30 | 10.57% |
| 2019-03-31 | 14.19% |
| 2018-12-31 | 13.49% |
| 2018-09-30 | 6.15% |
| 2018-06-30 | 7.52% |
| 2018-03-31 | 6.68% |
| 2017-12-31 | 3.99% |
| 2017-09-30 | 9.19% |
| 2017-06-30 | 6.96% |
| 2017-03-31 | 8.13% |
| 2016-12-31 | 8.41% |
| 2016-09-30 | -0.85% |
| 2016-06-30 | 10.22% |
| 2016-03-31 | 8.89% |
| 2015-12-31 | -0.33% |
| 2015-09-30 | -3.93% |
| 2015-06-30 | 9.78% |
| 2015-03-31 | 10.59% |
| 2014-12-31 | 9.64% |
| 2014-09-30 | 11.10% |
| 2014-06-30 | 8.75% |
| 2014-03-31 | 9.14% |
| 2013-12-31 | 9.68% |
| 2013-09-30 | 9.29% |
| 2013-06-30 | 7.05% |
| 2013-03-31 | 13.45% |
| 2012-12-31 | 14.04% |
| 2012-09-30 | 14.67% |
| 2012-06-30 | 11.75% |
| 2012-03-31 | 9.02% |
| 2011-12-31 | 14.20% |
| 2011-09-30 | 13.27% |
| 2011-06-30 | 13.30% |
| 2011-03-31 | 12.40% |
| 2010-12-31 | 14.20% |
| 2010-09-30 | 12.55% |
| 2010-06-30 | 12.19% |
| 2010-03-31 | 12.44% |
| 2009-12-31 | 10.31% |
| 2009-09-30 | 11.20% |
| 2009-06-30 | 8.51% |
| 2009-03-31 | 11.77% |
| 2008-12-31 | 0.44% |
| 2008-09-30 | 4.56% |
| 2008-06-30 | 8.80% |
| 2008-03-31 | 9.99% |
| 2007-12-31 | 8.26% |
| 2007-09-30 | 8.55% |
| 2007-06-30 | -1.22% |
| 2007-03-31 | 8.65% |
| 2006-12-31 | 9.73% |
| 2006-09-30 | 8.59% |
| 2006-06-30 | 11.37% |
| 2006-03-31 | 7.73% |
| 2005-12-31 | 13.30% |
| 2005-09-30 | 13.13% |
| 2005-06-30 | 15.06% |
| 2005-03-31 | 14.76% |
| 2004-12-31 | 12.36% |
| 2004-09-30 | 12.64% |
| 2004-06-30 | 12.84% |
| 2004-03-31 | 14.19% |
| 2003-12-31 | 12.21% |
| 2003-09-30 | 10.51% |
| 2003-06-30 | 11.66% |
| 2003-03-31 | 29.04% |
| 2002-12-31 | 37.41% |
| 2002-09-30 | 10.33% |
