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Encore Capital Group Inc (ECPG) Financial History

20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.

FINANCIAL SERVICES · CREDIT SERVICES · DATA UPDATED 2026-09-06

Encore Capital Group Inc (ECPG) operates in the CREDIT SERVICES industry and is headquartered in San Diego, United States with about 7,350 employees. Its market capitalization is roughly $2 billion. In the fiscal year ended 2025-12-31, ECPG reported $1.8B in revenue and $257M in net income.

Encore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide.

Interactive charts & full statements → Open the ECPG valuation workbench →

ECPG Revenue & Earnings History — Annual Income Statement

Income statement	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Revenue	$1.9B	$1.8B	$1.3B	$1.2B	$1.4B	$1.6B	$1.5B	$1.4B	$1.4B	$1.2B	$1.0B	$1.1B	$1.0B	$773M	$557M	$449M	$364M	$316M	$256M	$254M	$255M
Gross Profit	$1.2B	$1.2B	$604M	$571M	$770M	$928M	$834M	$755M	$740M	$628M	$511M	$600M	$565M	$388M	$272M	$200M	$159M	$316M	$256M	$154M	$203M
Gross Margin %	64.0%	69.0%	45.9%	46.7%	55.0%	57.5%	55.6%	54.0%	54.3%	52.9%	49.7%	53.1%	54.2%	50.2%	48.8%	44.5%	43.6%	100.0%	100.0%	60.6%	79.6%
Operating Income (EBIT)	$716M	$624M	$157M	$17M	$462M	$633M	$534M	$446M	$405M	$325M	$242M	$282M	$308M	$198M	$155M	$120M	$94M	$67M	$39M	$52M	$72M
Operating Margin %	37.7%	35.4%	11.9%	1.4%	33.1%	39.2%	35.5%	31.9%	29.8%	27.3%	23.5%	25.0%	29.6%	25.7%	27.9%	26.8%	25.9%	21.1%	15.2%	20.5%	28.1%
Net Income	$302M	$257M	($139M)	($206M)	$195M	$351M	$212M	$168M	$116M	$83M	$77M	$45M	$104M	$75M	$69M	$61M	$49M	$33M	$14M	$15M	$24M
Net Margin %	15.9%	14.6%	-10.6%	-16.9%	13.9%	21.7%	14.1%	12.0%	8.5%	7.0%	7.4%	4.0%	9.9%	9.7%	12.5%	13.6%	13.5%	10.4%	5.4%	5.9%	9.4%
EBITDA	$711M	$653M	$174M	$63M	$511M	$656M	$535M	$460M	$435M	$375M	$278M	$306M	$327M	$203M	$159M	$123M	$96M	$72M	$47M	$57M	$77M
Earnings Per Share (EPS)	$13.21	$10.91	$-5.83	$-8.72	$7.46	$11.26	$6.68	$5.33	$4.06	$3.15	$2.96	$1.69	$3.77	$2.87	$2.69	$2.37	$1.95	$1.37	$0.59	$0.64	$1.03
Shares Outstanding (M)	23M	24M	24M	24M	26M	31M	32M	31M	29M	26M	26M	27M	27M	26M	26M	26M	25M	24M	24M	23M	23M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

ECPG Quarterly Revenue & Earnings — Last 8 Quarters

Quarterly income statement	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Total Revenue	$492M	$473M	$474M	$460M	$442M	$393M	$266M	$367M
Gross Profit	$187M	$329M	$443M	$257M	$324M	$287M	$84M	$228M
Gross Margin %	38.0%	69.5%	93.5%	55.8%	73.4%	73.0%	31.5%	62.1%
Operating Income (EBIT)	$187M	$183M	$173M	$173M	$151M	$129M	($134M)	$106M
Operating Margin %	38.0%	38.7%	36.6%	37.6%	34.1%	32.9%	-50.5%	28.9%
Net Income	$64M	$86M	$77M	$75M	$59M	$47M	($225M)	$31M
Net Margin %	13.0%	18.2%	16.2%	16.2%	13.3%	11.9%	-84.8%	8.3%
EBITDA	$164M	$189M	$180M	$178M	$156M	$135M	($136M)	$112M
Earnings Per Share (EPS)	$2.81	$3.86	$3.37	$3.17	$2.49	$1.93	$-9.44	$1.26
Shares Outstanding (M)	23M	22M	23M	24M	24M	24M	24M	24M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

ECPG Free Cash Flow History

Cash flow	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Cash from Operations (CFO)	$151M	$153M	$156M	$153M	$211M	$303M	$313M	$245M	$187M	$124M	$130M	$116M	$112M	$75M	$99M	$85M	$73M	$76M	$63M	$16M	$38M
Capital Expenditures (CapEx)	$21M	$26M	$29M	$52M	$77M	$33M	$35M	$40M	$67M	$28M	$32M	$29M	$23M	$13M	$6M	$6M	$3M	$5M	$2M	$1M	$2M
Free Cash Flow (FCF)	$130M	$127M	$127M	$101M	$134M	$270M	$278M	$205M	$119M	$96M	$99M	$88M	$88M	$61M	$92M	$79M	$71M	$71M	$61M	$14M	$36M
FCF Margin %	6.9%	7.2%	9.6%	8.3%	9.6%	16.7%	18.5%	14.7%	8.8%	8.1%	9.6%	7.8%	8.5%	7.9%	16.6%	17.6%	19.4%	22.6%	23.8%	5.7%	14.0%
Dividends Paid	—	—	—	—	—	—	—	—	$234M	$30M	$0M	$0M	$0M	$0M	$0M	$0M	—	—	—	—	—

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

ECPG Quarterly Free Cash Flow — Last 8 Quarters

Quarterly cash flow	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Cash from Operations (CFO)	($29M)	$82M	$17M	$82M	$10M	$45M	$24M	$46M
Capital Expenditures (CapEx)	$4M	$5M	$7M	$6M	$6M	$7M	$9M	$6M
Free Cash Flow (FCF)	($33M)	$77M	$10M	$76M	$3M	$38M	$15M	$40M
FCF Margin %	-6.7%	16.4%	2.1%	16.4%	0.7%	9.8%	5.6%	10.8%

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

ECPG Balance Sheet History

Balance sheet	2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Assets	$5.6B	$5.3B	$4.8B	$4.6B	$4.5B	$4.6B	$4.9B	$4.9B	$4.6B	$4.5B	$3.7B	$4.2B	$3.8B	$2.7B	$1.2B	$812M	$736M	$595M	$549M	$483M	$395M
Cash & Cash Equivalents	$183M	$157M	$200M	$158M	$144M	$190M	$189M	$192M	$157M	$212M	$150M	$154M	$124M	$126M	$18M	$8M	$11M	$8M	$10M	$5M	$11M
Total Liabilities	$4.5B	$4.4B	$4.0B	$3.7B	$3.3B	$3.4B	$3.6B	$3.9B	$3.8B	$3.8B	$3.1B	$3.6B	$3.1B	$2.1B	$766M	$441M	$434M	$352M	$353M	$312M	$244M
Total Debt (Short + Long-Term)	$4.2B	$4.0B	$3.7B	$2.8B	$1.9B	$2.6B	$2.9B	$4.7B	$4.7B	$4.4B	$3.5B	$3.8B	$3.4B	$2.3B	$938M	$387M	$381M	$264M	$311M	$272M	$200M
Total Shareholders' Equity	$1.1B	$977M	$767M	$937M	$1.2B	$1.2B	$1.2B	$1.0B	$820M	$724M	$601M	$648M	$632M	$572M	$406M	$372M	$303M	$243M	$196M	$172M	$151M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive ECPG viewer.

Other Companies in CREDIT SERVICES

BFH · Bread Financial Holdings, Inc. — $4 billion
SEZL · Sezzle Inc. — $4 billion
UPST · Upstart Holdings Inc — $2 billion
AGM · Federal Agricultural Mortgage Corporation — $2 billion
WU · Western Union Co — $2 billion
EZPW · EZCORP Inc — $2 billion
AGM.A · Federal Agricultural Mortgage Corporation — $2 billion
ATLC · Atlanticus Holdings Corporation — $1 billion

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