What is Encore Cap Group Inc's earnings per share (EPS)?

Encore Cap Group Inc (ECPG) reported diluted earnings per share of $10.91 for fiscal year 2025. This represents a 287.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Encore Cap Group Inc Financials

ECPG

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Encore Cap Group Inc (ECPG) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 64/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

100

Encore Cap Group Inc has an operating margin of 35.4%, meaning the company retains $35 of operating profit per $100 of revenue. This strong profitability earns a score of 100/100, reflecting efficient cost management and pricing power. This is up from 11.9% the prior year.

Growth

Encore Cap Group Inc's revenue surged 34.4% year-over-year to $1.8B, reflecting rapid business expansion. This strong growth earns a score of 91/100.

Leverage

Encore Cap Group Inc has elevated debt relative to equity (D/E of 4.13), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 18/100, reflecting increased financial risk.

Cash Flow

Encore Cap Group Inc has a free cash flow margin of 7.2%, earning a moderate score of 43/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Encore Cap Group Inc earns a strong 26.3% return on equity (ROE), meaning it generates $26 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 70/100. This is up from -18.1% the prior year.

Piotroski F-Score Neutral

6/9

Encore Cap Group Inc passes 6 of 9 financial strength tests. 3 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Mixed

0.60x

For every $1 of reported earnings, Encore Cap Group Inc generates $0.60 in operating cash flow ($153.2M OCF vs $256.8M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Interest Coverage Adequate

2.1x

Encore Cap Group Inc earns $2.1 in operating income for every $1 of interest expense ($626.6M vs $293.9M). This adequate coverage means the company can meet its interest obligations, but has limited cushion if earnings fall.

Key Financial Metrics

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Earnings & Revenue

Revenue

$1.8B

YoY+34.4%

5Y CAGR+3.3%

10Y CAGR+4.6%

Encore Cap Group Inc generated $1.8B in revenue in fiscal year 2025. This represents an increase of 34.4% from the prior year.

EBITDA

$655.4M

YoY+245.4%

5Y CAGR+2.6%

10Y CAGR+7.6%

Encore Cap Group Inc's EBITDA was $655.4M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 245.4% from the prior year.

Net Income

$256.8M

YoY+284.4%

5Y CAGR+3.9%

10Y CAGR+19.0%

Encore Cap Group Inc reported $256.8M in net income in fiscal year 2025. This represents an increase of 284.4% from the prior year.

EPS (Diluted)

$10.91

YoY+287.1%

5Y CAGR+10.3%

10Y CAGR+20.5%

Encore Cap Group Inc earned $10.91 per diluted share (EPS) in fiscal year 2025. This represents an increase of 287.1% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$126.9M

YoY-0.2%

5Y CAGR-14.5%

10Y CAGR+3.8%

Encore Cap Group Inc generated $126.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 0.2% from the prior year.

Cash & Debt

$156.8M

YoY-21.6%

5Y CAGR-3.7%

10Y CAGR+2.4%

Encore Cap Group Inc held $156.8M in cash against $4.0B in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

22M

YoY-8.5%

5Y CAGR-7.1%

10Y CAGR-1.5%

Encore Cap Group Inc had 22M shares outstanding in fiscal year 2025. This represents a decrease of 8.5% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

35.4%

YoY+23.5pp

5Y CAGR-0.1pp

10Y CAGR+10.3pp

Encore Cap Group Inc's operating margin was 35.4% in fiscal year 2025, reflecting core business profitability. This is up 23.5 percentage points from the prior year.

Net Margin

14.5%

YoY+25.1pp

5Y CAGR+0.4pp

10Y CAGR+10.5pp

Encore Cap Group Inc's net profit margin was 14.5% in fiscal year 2025, showing the share of revenue converted to profit. This is up 25.1 percentage points from the prior year.

Return on Equity

26.3%

YoY+44.4pp

5Y CAGR+8.9pp

10Y CAGR+18.7pp

Encore Cap Group Inc's ROE was 26.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 44.4 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$90.4M

10Y CAGR+10.5%

Encore Cap Group Inc spent $90.4M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$26.3M

YoY-9.4%

5Y CAGR-5.4%

10Y CAGR-0.9%

Encore Cap Group Inc invested $26.3M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 9.4% from the prior year.

ECPG Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$1.8B+34.4%	$1.3B+7.7%	$1.2B-12.6%	$1.4B-13.4%	$1.6B+7.5%	$1.5B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$165.9M+1.3%	$163.8M+13.1%	$144.9M-0.6%	$145.8M+5.9%	$137.7M-7.7%	$149.1M
Operating Income	$626.6M+298.3%	$157.3M+851.5%	$16.5M-96.4%	$462.2M-27.0%	$633.3M+18.7%	$533.6M
Interest Expense	$293.9M+16.4%	$252.5M+25.1%	$201.9M+31.7%	$153.3M-9.6%	$169.6M-19.0%	$209.4M
Income Tax	$79.3M+84.4%	$43.0M+64.1%	$26.2M-77.5%	$116.4M+36.4%	$85.3M+21.3%	$70.4M
Net Income	$256.8M+284.4%	-$139.2M+32.6%	-$206.5M-206.1%	$194.6M-44.5%	$350.8M+65.6%	$211.8M
EPS (Diluted)	$10.91+287.1%	$-5.83+33.1%	$-8.72-216.9%	$7.46-33.7%	$11.26+68.6%	$6.68

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$473.6M+2.9%	$460.4M+4.1%	$442.1M+12.6%	$392.8M+47.9%	$265.6M-27.6%	$367.1M+3.3%	$355.3M+8.2%	$328.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$44.4M+13.2%	$39.2M-5.1%	$41.3M+0.8%	$41.0M-21.1%	$52.0M+34.0%	$38.8M+5.5%	$36.8M+1.5%	$36.2M
Operating Income	$173.4M+0.1%	$173.2M+14.9%	$150.7M+16.5%	$129.3M+196.4%	-$134.2M-226.5%	$106.1M+4.2%	$101.8M+21.8%	$83.6M
Interest Expense	$75.2M+1.3%	$74.2M+0.4%	$73.9M+4.8%	$70.5M+3.0%	$68.5M+2.4%	$66.9M+9.0%	$61.4M+10.1%	$55.8M
Income Tax	$21.2M-16.0%	$25.2M+30.6%	$19.3M+41.2%	$13.7M-10.9%	$15.3M+51.5%	$10.1M-2.0%	$10.3M+42.4%	$7.3M
Net Income	$76.7M+2.7%	$74.7M+27.1%	$58.7M+25.5%	$46.8M+120.8%	-$225.3M-835.3%	$30.6M-4.8%	$32.2M+38.5%	$23.2M
EPS (Diluted)	N/A	$3.17+27.3%	$2.49+29.0%	$1.93	N/A	$1.26-6.0%	$1.34+41.1%	$0.95

ECPG Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$5.3B+11.5%	$4.8B+3.4%	$4.6B+2.7%	$4.5B-2.2%	$4.6B-5.3%	$4.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$156.8M-21.6%	$199.9M+26.2%	$158.4M+10.0%	$143.9M-24.1%	$189.6M+0.2%	$189.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$536.3M+5.6%	$507.8M-16.3%	$606.5M-26.1%	$821.2M-8.5%	$897.8M-1.0%	$907.0M
Total Liabilities	$4.4B+8.5%	$4.0B+8.9%	$3.7B+11.0%	$3.3B-2.8%	$3.4B-6.1%	$3.6B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$4.0B+8.7%	$3.7B+10.5%	$3.4B+14.2%	$2.9B-3.7%	$3.1B-9.4%	$3.4B
Total Equity	$976.8M+27.3%	$767.3M-18.1%	$936.5M-20.6%	$1.2B-0.5%	$1.2B-2.7%	$1.2B
Retained Earnings	$1.1B+21.4%	$909.9M-13.3%	$1.0B-17.9%	$1.3B+3.2%	$1.2B+17.3%	$1.1B

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$5.3B+1.6%	$5.3B+1.3%	$5.2B+4.5%	$5.0B+3.8%	$4.8B-4.1%	$5.0B+3.7%	$4.8B+2.8%	$4.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$156.8M-9.1%	$172.5M-0.2%	$172.9M-7.6%	$187.1M-6.4%	$199.9M-19.2%	$247.4M-1.3%	$250.6M+44.9%	$173.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$536.3M+0.1%	$535.6M-1.3%	$542.9M+4.5%	$519.4M+2.3%	$507.8M-19.2%	$628.1M+4.2%	$602.8M+0.1%	$602.4M
Total Liabilities	$4.4B+1.3%	$4.3B+0.2%	$4.3B+3.5%	$4.2B+3.2%	$4.0B+1.9%	$3.9B+3.1%	$3.8B+2.6%	$3.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$4.0B	N/A	N/A	N/A	$3.7B	N/A	N/A	N/A
Total Equity	$976.8M+2.5%	$952.9M+6.4%	$896.0M+9.4%	$819.1M+6.7%	$767.3M-26.8%	$1.0B+6.1%	$988.1M+3.6%	$953.9M
Retained Earnings	$1.1B+1.9%	$1.1B+6.8%	$1.0B+6.1%	$956.7M+5.1%	$909.9M-19.8%	$1.1B+2.8%	$1.1B+3.0%	$1.1B

ECPG Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$153.2M-1.9%	$156.2M+2.1%	$153.0M-27.4%	$210.7M-30.5%	$303.1M-3.1%	$312.9M
Capital Expenditures	$26.3M-9.4%	$29.0M+16.9%	$24.8M-33.4%	$37.2M+11.5%	$33.4M-3.5%	$34.6M
Free Cash Flow	$126.9M-0.2%	$127.2M-0.8%	$128.2M-26.1%	$173.5M-35.7%	$269.7M-3.1%	$278.3M
Investing Cash Flow	-$242.6M+44.9%	-$440.4M-9.6%	-$401.9M-208.6%	-$130.2M-138.3%	$339.9M+310.4%	$82.8M
Financing Cash Flow	$44.9M-85.9%	$317.8M+18.4%	$268.3M+349.7%	-$107.4M+83.6%	-$655.7M-62.6%	-$403.2M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$90.4M	$0	$0-100.0%	$87.0M-77.7%	$390.6M	$0

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$16.8M-79.4%	$81.6M+756.6%	$9.5M-79.0%	$45.3M+92.3%	$23.5M-48.7%	$45.9M+28.6%	$35.7M-30.0%	$51.0M
Capital Expenditures	$6.9M+15.2%	$6.0M-4.9%	$6.3M-9.4%	$7.0M-18.3%	$8.6M+38.0%	$6.2M-16.1%	$7.4M+7.7%	$6.9M
Free Cash Flow	$9.9M-86.9%	$75.6M+2265.8%	$3.2M-91.7%	$38.3M+155.5%	$15.0M-62.3%	$39.7M+40.3%	$28.3M-35.8%	$44.1M
Investing Cash Flow	-$27.0M+41.1%	-$45.9M+33.8%	-$69.4M+30.8%	-$100.3M+62.1%	-$264.7M-504.1%	-$43.8M-6.9%	-$41.0M+54.9%	-$90.9M
Financing Cash Flow	-$5.7M+84.5%	-$36.7M-178.2%	$46.9M+16.3%	$40.3M-78.5%	$187.3M+2179.8%	-$9.0M-110.8%	$83.7M+50.0%	$55.8M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

ECPG Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	35.4%+23.5pp	11.9%+10.6pp	1.4%-31.7pp	33.1%-6.2pp	39.2%+3.7pp	35.5%
Net Margin	14.5%+25.1pp	-10.6%+6.3pp	-16.9%-30.8pp	13.9%-7.8pp	21.7%+7.6pp	14.1%
Return on Equity	26.3%+44.4pp	-18.1%+3.9pp	-22.1%-38.5pp	16.5%-13.1pp	29.6%+12.2pp	17.4%
Return on Assets	4.8%+7.7pp	-2.9%+1.6pp	-4.5%-8.8pp	4.3%-3.3pp	7.6%+3.3pp	4.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	4.13-0.7	4.83+1.2	3.59+1.1	2.49-0.1	2.58-0.2	2.77
FCF Margin	7.2%-2.5pp	9.7%-0.8pp	10.5%-1.9pp	12.4%-4.3pp	16.7%-1.8pp	18.5%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	36.6%-1.0pp	37.6%+3.5pp	34.1%+1.2pp	32.9%+83.5pp	-50.5%-79.4pp	28.9%+0.2pp	28.7%+3.2pp	25.5%
Net Margin	16.2%-0.0pp	16.2%+2.9pp	13.3%+1.4pp	11.9%+96.7pp	-84.8%-93.2pp	8.3%-0.7pp	9.1%+2.0pp	7.1%
Return on Equity	7.8%+0.0pp	7.8%+1.3pp	6.6%+0.8pp	5.7%+35.1pp	-29.4%-32.3pp	2.9%-0.3pp	3.3%+0.8pp	2.4%
Return on Assets	1.4%+0.0pp	1.4%+0.3pp	1.1%+0.2pp	0.9%+5.6pp	-4.7%-5.3pp	0.6%-0.1pp	0.7%+0.2pp	0.5%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	4.13-0.4	4.52-0.3	4.79-0.3	5.07+0.2	4.83+1.1	3.76-0.1	3.87-0.0	3.91
FCF Margin	2.1%-14.3pp	16.4%+15.7pp	0.7%-9.0pp	9.8%+4.1pp	5.6%-5.2pp	10.8%+2.9pp	8.0%-5.5pp	13.4%

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Frequently Asked Questions

What is Encore Cap Group Inc's annual revenue?

Encore Cap Group Inc (ECPG) reported $1.8B in total revenue for fiscal year 2025. This represents a 34.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Encore Cap Group Inc's revenue growing?

Encore Cap Group Inc (ECPG) revenue grew by 34.4% year-over-year, from $1.3B to $1.8B in fiscal year 2025.

Is Encore Cap Group Inc profitable?

Yes, Encore Cap Group Inc (ECPG) reported a net income of $256.8M in fiscal year 2025, with a net profit margin of 14.5%.

What is Encore Cap Group Inc's EBITDA?

Encore Cap Group Inc (ECPG) had EBITDA of $655.4M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does Encore Cap Group Inc have?

As of fiscal year 2025, Encore Cap Group Inc (ECPG) had $156.8M in cash and equivalents against $4.0B in long-term debt.

What is Encore Cap Group Inc's operating margin?

Encore Cap Group Inc (ECPG) had an operating margin of 35.4% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is Encore Cap Group Inc's net profit margin?

Encore Cap Group Inc (ECPG) had a net profit margin of 14.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Encore Cap Group Inc's return on equity (ROE)?

Encore Cap Group Inc (ECPG) has a return on equity of 26.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Encore Cap Group Inc's free cash flow?

Encore Cap Group Inc (ECPG) generated $126.9M in free cash flow during fiscal year 2025. This represents a -0.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Encore Cap Group Inc's operating cash flow?

Encore Cap Group Inc (ECPG) generated $153.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Encore Cap Group Inc's total assets?

Encore Cap Group Inc (ECPG) had $5.3B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Encore Cap Group Inc's capital expenditures?

Encore Cap Group Inc (ECPG) invested $26.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Encore Cap Group Inc buy back shares?

Yes, Encore Cap Group Inc (ECPG) spent $90.4M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Encore Cap Group Inc have outstanding?

Encore Cap Group Inc (ECPG) had 22M shares outstanding as of fiscal year 2025.

What is Encore Cap Group Inc's debt-to-equity ratio?

Encore Cap Group Inc (ECPG) had a debt-to-equity ratio of 4.13 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Encore Cap Group Inc's return on assets (ROA)?

Encore Cap Group Inc (ECPG) had a return on assets of 4.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Encore Cap Group Inc's Piotroski F-Score?

Encore Cap Group Inc (ECPG) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Encore Cap Group Inc's earnings high quality?

Encore Cap Group Inc (ECPG) has an earnings quality ratio of 0.60x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can Encore Cap Group Inc cover its interest payments?

Encore Cap Group Inc (ECPG) has an interest coverage ratio of 2.1x, meaning it can adequately cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

How financially healthy is Encore Cap Group Inc?

Encore Cap Group Inc (ECPG) scores 64 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.