ENCORE CAPITAL GROUP, INC. (ECPG)

98.94 -2.98% (-3.04)

Over 5Y: +111.8%

2026-08-28
25 50 75 100
2021 2022 2023 2024 2025 2026

Financials Quarterly

Q3 '21 — Revenue: 412.6M Q3 '21 — Operating Cash Flow: 63M Q3 '21 — Free Cash Flow: 49.2M Q3 '21 — Net Income: 83.6M Q4 '21 — Revenue: 357.3M Q4 '21 — Operating Cash Flow: 91.1M Q4 '21 — Free Cash Flow: 81.9M Q4 '21 — Net Income: 76.1M Q1 '22 — Revenue: 499.7M Q1 '22 — Operating Cash Flow: 54.5M Q1 '22 — Free Cash Flow: 47.5M Q1 '22 — Net Income: 175.7M Q2 '22 — Revenue: 356.9M Q2 '22 — Operating Cash Flow: 44M Q2 '22 — Free Cash Flow: 39.1M Q2 '22 — Net Income: 60.4M Q3 '22 — Revenue: 307.8M Q3 '22 — Operating Cash Flow: 56.3M Q3 '22 — Free Cash Flow: 47.2M Q3 '22 — Net Income: 31.5M Q4 '22 — Revenue: 234M Q4 '22 — Operating Cash Flow: 55.8M Q4 '22 — Free Cash Flow: 39.6M Q1 '23 — Revenue: 312.6M Q1 '23 — Operating Cash Flow: 35.9M Q1 '23 — Free Cash Flow: 31M Q1 '23 — Net Income: 18.6M Q2 '23 — Revenue: 323M Q2 '23 — Operating Cash Flow: 26.7M Q2 '23 — Free Cash Flow: 22.1M Q2 '23 — Net Income: 26.3M Q3 '23 — Revenue: 309.6M Q3 '23 — Operating Cash Flow: 53.6M Q3 '23 — Free Cash Flow: 46.3M Q3 '23 — Net Income: 19.3M Q4 '23 — Revenue: 277.4M Q4 '23 — Operating Cash Flow: 36.8M Q4 '23 — Free Cash Flow: 28.7M Q4 '23 — Net Income: -270.8M Q1 '24 — Revenue: 328.4M Q1 '24 — Operating Cash Flow: 51M Q1 '24 — Free Cash Flow: 44.1M Q1 '24 — Net Income: 23.2M Q2 '24 — Revenue: 355.3M Q2 '24 — Operating Cash Flow: 35.7M Q2 '24 — Free Cash Flow: 28.3M Q2 '24 — Net Income: 32.2M Q3 '24 — Revenue: 367.1M Q3 '24 — Operating Cash Flow: 45.9M Q3 '24 — Free Cash Flow: 39.7M Q3 '24 — Net Income: 30.6M Q4 '24 — Revenue: 265.6M Q4 '24 — Operating Cash Flow: 23.5M Q4 '24 — Free Cash Flow: 15M Q4 '24 — Net Income: -225.3M Q1 '25 — Revenue: 392.8M Q1 '25 — Operating Cash Flow: 45.3M Q1 '25 — Free Cash Flow: 38.3M Q1 '25 — Net Income: 46.8M Q2 '25 — Revenue: 442.1M Q2 '25 — Operating Cash Flow: 9.5M Q2 '25 — Free Cash Flow: 3.2M Q2 '25 — Net Income: 58.7M Q3 '25 — Revenue: 460.4M Q3 '25 — Operating Cash Flow: 81.6M Q3 '25 — Free Cash Flow: 75.6M Q3 '25 — Net Income: 74.7M Q4 '25 — Revenue: 473.6M Q4 '25 — Operating Cash Flow: 16.8M Q4 '25 — Free Cash Flow: 9.9M Q4 '25 — Net Income: 76.7M Q1 '26 — Revenue: 475.4M Q1 '26 — Operating Cash Flow: 82.3M Q1 '26 — Free Cash Flow: 77.5M Q1 '26 — Net Income: 86.2M Q2 '26 — Revenue: 491.9M Q2 '26 — Operating Cash Flow: -29.4M Q2 '26 — Free Cash Flow: -37.8M Q2 '26 — Net Income: 64M -200M 0 200M 400M 600M
Q4 '21 Q3 '22 Q2 '23 Q1 '24 Q4 '24 Q3 '25 Q2 '26
Revenue Operating Cash Flow Free Cash Flow Net Income

Figures as at 2026-06-30, reported in USD. The newest fact in the filings is dated 2026-06-30, 61 days ago. Nothing on this page is advice.

How it scores

Five questions, each answered by the measures under it. Every figure is the company's own; the bar beside it is where that figure sits among the companies read here — the top fifth, the bottom fifth, or somewhere between. Not among all listed companies, and for a valuation multiple the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

6.0
Oper. margin 37.7%
OE margin 5.5%
ROIC 11.5%
ROE 28.0%
ROA 5.4%
Accruals 2.7%
FCF margin 6.6%
OCF margin 8.0%
OCF / EBIT 0.21×
Gross margin —
ROCE —

5 of 17 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

0.5
Div. yield —
EV/EBIT —
EV/GP —
EV/OE —
EV/Sales —
FCF yield —
Fwd P/E —
P/B —
P/C —
P/E —
PEG —

0 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

4.5
RPO / sales —
RPO growth —
Segment HHI —

2 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

1.9
ND/EBITDA —
F-score 7.7 pts
Payout 0.0%
Cash / Debt 0.045×
Debt / Eq 3.7×
Debt payback 30.8 yr
Cash runway —
Current ratio —
Quick ratio —

2 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

4.2
Sales/sh Y/Y +31.4%
EBIT CAGR +13.4%
Sales Q/Q +11.3%
EPS CAGR 4Y -0.79%
Div. growth —
EBIT Y/Y —
EPS Y/Y —
EPS next Y —

3 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.