Encore Capital Group Inc (ECPG) Financial Statements
Industry: Short-Term Business Credit Institutions
In fiscal 2025, Encore Capital reported revenue of $1.77B, up 34.4% from $1.32B the year before. Net income was $256.8M (a 14.5% net margin), or $10.91 per diluted share. Operating margin was 35.4%. Operating activities generated $153.2M of cash, leaving $126.9M of free cash flow. At fiscal year end, Encore Capital held $5.34B in total assets against $4.36B in total liabilities, including $156.8M of cash and equivalents.
Open the full interactive Encore Capital financials → Quarterly statements, key ratios, valuation history and price charts.
Encore Capital Key Stats
| Share Price | $105.60 |
|---|---|
| Market Cap | $2.41B |
| P/E Ratio | 9.7 |
| Revenue YoY Growth | +34.4% |
| 52-Week Range | $40.53 – $105.60 |
| Shares Outstanding | 21.6 million (basic, 2026 Q2) |
Encore Capital Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Revenue | $1.50B | $1.61B | $1.40B | $1.22B | $1.32B | $1.77B |
| Operating Income | $533.6M | $633.3M | $462.2M | $16.5M | $157.3M | $626.6M |
| Pre-Tax Income | $282.9M | $436.5M | $311.0M | -$180.3M | -$96.2M | $336.2M |
| Income Tax | $70.4M | $85.3M | $116.4M | $26.2M | $43.0M | $79.3M |
| Net Income | $211.8M | $350.8M | $194.6M | -$206.5M | -$139.2M | $256.8M |
| Diluted EPS | $6.68 | $11.26 | $7.46 | -$8.72 | -$5.83 | $10.91 |
Encore Capital Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $460.4M | $473.6M | $475.4M | $491.9M |
| Net Income | $74.7M | $76.7M | $86.2M | $64.0M |
| Diluted EPS | $3.17 | $3.26 | $3.86 | $2.81 |
Encore Capital Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $189.2M | $189.6M | $143.9M | $158.4M | $199.9M | $156.8M |
| Total Assets | $4.86B | $4.61B | $4.51B | $4.63B | $4.79B | $5.34B |
| Total Long-Term Debt | $3.37B | $3.06B | $2.94B | $3.36B | $3.71B | $4.03B |
| Total Liabilities | $3.64B | $3.42B | $3.33B | $3.69B | $4.02B | $4.36B |
| Shareholders' Equity | $1.22B | $1.19B | $1.18B | $936.5M | $767.3M | $976.8M |
Encore Capital Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $312.9M | $303.1M | $210.7M | $153.0M | $156.2M | $153.2M |
| Cash From Investing | $82.8M | $339.9M | -$130.2M | -$401.9M | -$440.4M | -$242.6M |
| Cash From Financing | -$403.2M | -$655.7M | -$107.4M | $268.3M | $317.8M | $44.9M |
| Free Cash Flow | $278.3M | $269.7M | $173.5M | $128.2M | $127.2M | $126.9M |
Figures from Encore Capital's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Encore Capital financials page for every line item.
Encore Capital Company Profile
| Ticker | ECPG |
|---|---|
| Exchange | Nasdaq |
| Industry | Short-Term Business Credit Institutions |
| Headquarters | San Diego, California |
| Incorporated in | Delaware |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0001084961 |
Frequently Asked Questions
What was Encore Capital's revenue in fiscal 2025?
Encore Capital (ECPG) reported revenue of $1.77B for fiscal 2025.
What is Encore Capital's annual revenue history?
Encore Capital's annual revenue by fiscal year: 2020: $1.50B; 2021: $1.61B; 2022: $1.40B; 2023: $1.22B; 2024: $1.32B; 2025: $1.77B.
What was Encore Capital's net income in fiscal 2025?
Encore Capital reported net income of $256.8M for fiscal 2025.
What was Encore Capital's earnings per share (EPS) in fiscal 2025?
Encore Capital's diluted EPS was $10.91 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Encore Capital generate in fiscal 2025?
Encore Capital generated $126.9M of free cash flow in fiscal 2025.
What was Encore Capital's revenue last quarter?
In its most recent reported quarter (2026 Q2), Encore Capital reported revenue of $491.9M.
How much debt does Encore Capital have?
Encore Capital reported $4.03B of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Encore Capital are outstanding?
Encore Capital reported a weighted average of 21.6 million basic shares outstanding in 2026 Q2.
What is Encore Capital's market cap?
Based on its latest closing price, Encore Capital (ECPG) has a market capitalization of about $2.41B.
When does Encore Capital's fiscal year end?
Encore Capital's fiscal year end, as registered with the SEC, is December 31.
Where is Encore Capital headquartered?
Encore Capital lists its business address in San Diego, California in its SEC filings.
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