ENCORE CAPITAL GROUP INC ECPG

Financials SIC 6153 - Short-Term Business Credit Institutions NAICS Finance and Insurance › Credit Intermediation and Related Activities derived Nasdaq

We are an international specialty finance company providing debt recovery solutions and other related services for consumers across a broad range of financial assets. We primarily purchase portfolios of defaulted consumer receivables at deep discounts to face value and manage them by working with individuals as they repay their obligations and work toward financial recovery. Defaulted receivables are consumers' unpaid financial obligations to credit originators, including banks, credit unions, consumer finance companies and commercial retailers. Defaulted receivables may also include receivables subject to bankruptcy proceedings. We also provide debt servicing and other portfolio management services to credit originators for non-performing loans in Europe.

Last close 97.73 2026-10-23
Market cap $2.07B 2026-06-30 share count
52-week range 40.52 - 105.98

Valuation FY2025 figures against the last close

P/S23.5x
P/E9.0x
P/FCF16.3x
EV/EBITDA3.2x
Dividend yield—
Diluted EPS10.91

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $88.4M$84.8M$83.1M$94.9M$120.8M$115.1M$126.5M$148.0M$90.1M$82.6M
SG&A $165.9M$163.8M$144.9M$145.8M$137.7M$149.1M$148.3M$158.4M$158.1M$134.0M
Total operating expenses $1.14B$1.16B$1.21B$936.2M$981.2M$967.8M$951.3M$956.7M$862.5M$787.7M
Operating income $626.6M$157.3M$16.5M$462.2M$633.3M$533.6M$446.3M$405.3M$324.5M$241.5M
Interest expense $293.9M$252.5M$201.9M$153.3M$169.6M$209.4M$217.8M$237.4M$204.2M$198.4M
Pre-tax income $336.2M-$96.2M-$180.3M$311.0M$436.5M$282.9M$201.2M$156.5M$131.2M$57.4M
Income tax $79.3M$43.0M$26.2M$116.4M$85.3M$70.4M$32.3M$46.8M$52.0M$38.2M
Net income $257.0M-$139.0M-$206.0M$195.0M$351.0M$211.8M$167.9M$115.9M$83.2M$76.6M
EPS, basic 11.05-5.83-8.728.0611.646.745.384.093.202.98
EPS, diluted 10.91-5.83-8.727.4611.266.685.334.063.152.96
Shares, diluted (wtd. avg.) 23.5M23.9M23.7M26.1M31.2M31.7M31.5M28.6M26.4M25.9M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $156.8M$199.9M$158.4M$143.9M$189.6M$189.2M$192.3M$157.4M$212.1M$149.8M
Property, plant and equipment $82.1M$80.6M$104.0M$113.9M$119.9M$127.3M$120.1M$115.5M$76.3M$72.3M
Goodwill $536.3M$507.8M$606.5M$821.2M$897.8M$907.0M$884.2M$868.1M$929.0M$785.0M
Other intangibles —$0$48.0K$22.1M$36.3M$45.0M$51.4M$60.6M$75.7M$28.2M
Total assets $5.34B$4.79B$4.63B$4.51B$4.61B$4.86B$4.91B$4.63B$4.49B$3.67B
Total liabilities $4.36B$4.02B$3.69B$3.33B$3.42B$3.64B$3.88B$3.81B$3.77B$3.07B
Retained earnings $1.10B$909.9M$1.05B$1.28B$1.24B$1.06B$888.1M$720.2M$616.3M$560.6M
Total equity $976.8M$767.3M$936.5M$1.18B$1.19B$1.22B$1.03B$819.7M$571.9M$551.8M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $153.2M$156.2M$153.0M$210.7M$303.1M$312.9M$244.7M$186.8M$123.8M$130.3M
Depreciation and amortisation $28.8M$32.4M$41.7M$46.4M$50.1M$42.8M$41.0M$41.2M$40.0M$34.9M
Stock-based compensation $18.3M$14.0M$13.9M$15.4M$18.3M$16.6M$12.6M$13.0M$10.4M$12.6M
Capital expenditure $26.3M$29.0M$24.8M$37.2M$33.4M$34.6M$39.6M$67.5M$28.1M$31.7M
Investing cash flow -$242.6M-$440.4M-$401.9M-$130.2M$339.9M$82.8M-$202.3M-$397.5M-$452.1M-$168.8M
Financing cash flow $44.9M$317.8M$268.3M-$107.4M-$655.7M-$403.2M-$19.8M$166.4M$378.2M$43.3M
Buybacks $90.4M$0$0$87.0M$390.6M$0$0—$0$0

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001084961-26-000030.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. -400M -200M 0 200M 400M Revenue, FY2016: 82.6M Net income, FY2016: 76.6M Revenue, FY2017: 90.1M Net income, FY2017: 83.2M Revenue, FY2018: 148M Net income, FY2018: 115.9M Revenue, FY2019: 126.5M Net income, FY2019: 167.9M Revenue, FY2020: 115.1M Net income, FY2020: 211.8M Revenue, FY2021: 120.8M Net income, FY2021: 351M Revenue, FY2022: 94.9M Net income, FY2022: 195M Revenue, FY2023: 83.1M Net income, FY2023: -206M Revenue, FY2024: 84.8M Net income, FY2024: -139M Revenue, FY2025: 88.4M Net income, FY2025: 257M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $82.6M $90.1M $148.0M $126.5M $115.1M $120.8M $94.9M $83.1M $84.8M $88.4M
Gross profit — — — — — — — — — —
Net income $76.6M $83.2M $115.9M $167.9M $211.8M $351.0M $195.0M -$206.0M -$139.0M $257.0M

Recent filings and events

  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Officer or director change Item 5.02
  • Charter or fiscal year changed A change to the company's governing documents, or to when its year ends. Item 5.03
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
  • New debt or obligation The company has taken on debt or a comparable obligation. Item 2.03
  • Material agreement signed Item 1.01
  • New debt or obligation Item 2.03
  • Other event Item 8.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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