ECPG
Encore Cap Group (ECPG)
NASDAQ
$85.84+$1.88 (+2.25%)
Price as of Jun 23, 2026 4:10 PM EDT
  • $1.8B
    Market Cap
  • 115.53%
    1-Year Change
  • Credit Services
    Industry
Annual
Quarterly
12/31/2025
12/31/2024
12/31/2023
12/31/2022
Income Statement
Total Operating Revenue
1.8B
+34.37%
1.3B
+7.66%
1.2B
-12.56%
1.4B
-13.39%
Cost of Revenue
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Gross Profit
1.8B
+34.37%
1.3B
+7.66%
1.2B
-12.56%
1.4B
-13.39%
Sales and Marketing Expense
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Research and Development Expense
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Depreciation and Amortization Expense
28.8M
-11.33%
32.4M
-22.29%
41.7M
-17.34%
50.5M
+0.83%
Total Operating Expenses
1.1B
-1.46%
1.2B
-3.91%
1.2B
+28.84%
936.2M
-4.59%
Operating Profit
626.6M
+298.30%
157.3M
+851.50%
16.5M
-96.42%
462.2M
-27.02%
Interest Income
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Interest Expense
N/A
N/A
N/A
N/A
-201.9M
+31.68%
-153.3M
-9.63%
Interest Income and Expense and Net
0
N/A
0
+100.00%
-201.9M
+31.68%
-153.3M
-9.63%
Total Nonoperating Income and Expense
-290.5M
+14.57%
-253.5M
+28.83%
-196.8M
+30.17%
-151.2M
-23.15%
Income before Taxes
336.2M
+449.38%
-96.2M
-46.63%
-180.3M
-157.96%
311.0M
-28.76%
Income Taxes
79.3M
+84.35%
43.0M
+64.06%
26.2M
-77.47%
116.4M
+36.42%
Extraordinary Items
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Net Income
256.8M
+284.45%
-139.2M
-32.57%
-206.5M
-206.13%
194.6M
-44.53%
Net Income from Continuing Operations Applicable to Common
336.2M
+449.38%
-96.2M
-46.63%
-180.3M
-157.96%
311.0M
-28.76%
Basic EPS and Net Income
11.05
+289.54%
-5.83
-33.14%
-8.72
-208.19%
8.06
-30.76%
Diluted EPS and Net Income
10.91
+287.14%
-5.83
-33.14%
-8.72
-216.89%
7.46
-33.75%
Basic Weighted Average Shares
23.2M
-2.68%
23.9M
+0.86%
23.7M
-1.96%
24.1M
-19.87%
Diluted Weighted Average Shares
23.5M
-1.42%
23.9M
+0.86%
23.7M
-9.28%
26.1M
-16.25%
Balance Sheet
Cash and Cash Equivalents
156.8M
-21.56%
199.9M
+26.21%
158.4M
+10.04%
143.9M
-24.12%
Short-Term Investments
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Cash and Cash Equivalents and Short-Term Investments
156.8M
-21.56%
199.9M
+26.21%
158.4M
+10.04%
143.9M
-24.12%
Total Current Assets
193.1M
-14.21%
225.1M
-23.24%
293.3M
-14.02%
341.1M
+1.73%
Accumulated Depreciation
202.9M
+10.21%
184.1M
+8.84%
169.1M
+9.01%
155.2M
+1.38%
Property and Plant and Equipment and Net
82.1M
+1.84%
80.6M
-22.47%
104.0M
-8.73%
113.9M
-4.97%
Total Long-Term Assets
193.1M
-14.21%
225.1M
-23.24%
293.3M
-14.02%
341.1M
+1.73%
Total Assets
5.3B
+11.48%
4.8B
+3.44%
4.6B
+2.71%
4.5B
-2.16%
Income Taxes Payable
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Short-Term Debt
4.0B
+8.95%
3.7B
+10.69%
3.3B
+14.46%
2.9B
-3.29%
Total Current Liabilities
230.3M
-1.41%
233.5M
+22.97%
189.9M
-4.18%
198.2M
-13.66%
Total Long-Term Debt
4.0B
+8.95%
3.7B
+10.69%
3.3B
+14.46%
2.9B
-3.29%
Total Long-Term Liabilities
697.4M
-25.42%
935.1M
+4.09%
898.3M
+20.53%
745.3M
+51.82%
Total Liabilities
4.4B
+8.47%
4.0B
+8.89%
3.7B
+10.97%
3.3B
-2.75%
Retained Earnings
1.1B
+21.40%
909.9M
-13.27%
1.0B
-17.92%
1.3B
+3.20%
Total Stockholders Equity
976.8M
+27.29%
767.3M
-18.07%
936.5M
-20.61%
1.2B
-0.48%
Total Shares Outstanding
21.7M
-8.45%
23.7M
+0.62%
23.5M
+0.95%
23.3M
-4.96%
Cash Flow
Cash from Operating Activities
153.2M
-1.90%
156.2M
+2.08%
153.0M
-27.38%
210.7M
-30.48%
Capital Expenditures
26.3M
-9.44%
29.0M
+16.93%
24.8M
-33.36%
37.2M
+11.54%
Cash from Investing Activities
-242.6M
-44.92%
-440.4M
+9.58%
-401.9M
+208.63%
-130.2M
-138.32%
Dividends Paid
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Cash from Financing Activities
44.9M
-85.88%
317.8M
+18.44%
268.3M
+349.71%
-107.4M
-83.61%
Financials Ratio
Gross Margin
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Operating Margin
35.43%
+196.42%
11.95%
+783.75%
1.35%
-95.91%
33.05%
-15.74%
Return on Assets
5.07%
+271.53%
-2.96%
-34.58%
-4.52%
-205.87%
4.27%
-42.37%
Return on Equity
29.45%
+280.20%
-16.34%
-16.25%
-19.52%
-218.60%
16.45%
-43.64%
Revenue Growth
34.37%
+348.59%
7.66%
+160.99%
-12.56%
-6.17%
-13.39%
-277.73%
Current Ratio
0.84
-12.98%
0.96
-37.58%
1.54
-10.27%
1.72
+17.83%
Cash Ratio
0.68
-20.44%
0.86
+2.64%
0.83
+14.85%
0.73
-12.11%
Debt-to-Equity Ratio
8.19
-14.41%
9.57
+35.10%
7.09
+44.17%
4.91
-2.83%
Debt-to-Assets Ratio
1.50
-2.28%
1.53
+7.01%
1.43
+11.44%
1.29
-1.15%

Earnings & Revenue History

Debt-to-Assets

Cash Flow