ENCORE CAPITAL GROUP INC ECPG
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.
Valuation FY2025 figures against the last close
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 | -8.72 | 8.06 | 11.64 | 6.74 | 5.38 | 4.09 | 3.20 | 2.98 |
| EPS, diluted | 10.91 | -5.83 | -8.72 | 7.46 | 11.26 | 6.68 | 5.33 | 4.06 | 3.15 | 2.96 |
| Shares, diluted (wtd. avg.) | $23.5M | $23.9M | $23.7M | $26.1M | $31.2M | $31.7M | $31.5M | $28.6M | $26.4M | $25.9M |
Balance sheet
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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.
Others in SIC 6153
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| ORBS | Eightco Holdings Inc. | $388.3M | — | -16.8% |