ECPG
$103.16+2.52%
Encore Capital Group IncStock · FinancialsRussell 2000 · 0.06% of IWMNasdaq Composite · 0.007% of ONEQRussell 3000 · 0.003% of IWVUS Stock Market · 0.003% of VTI
ECPG financial statements
The full income statement, balance sheet, and cash-flow statement for Encore Capital Group Inc (ECPG), plus valuation ratios — straight from SEC filings. Switch between annual, quarterly, and trailing-twelve-month figures, pick how far back to look, and flip the time order. Every line has a trend sparkline.
Shares outstanding (point-in-time)
2024-06 23.7M2024-09 23.7M2024-12 23.7M2025-03 23.3M2025-06 23.0M2025-09 22.3M2025-12 21.4M2026-03 21.4M2026-06 21.2M-10.5% over 8 periods
SEC-filed end-of-period counts (cover pages and balance sheets, split-adjusted) — the series realized buyback yield is computed from. The weighted-average share lines in the statements below lag these by design: an average over the year sits near the midpoint of an ongoing buyback.
PeriodRangeOrderChangeFiguresAs-reported fiscal years.
| Line item | Trend | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Income Statement | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Revenue | 1.77B+34.4% | 1.32B+7.7% | 1.22B-12.6% | 1.40B-13.4% | 1.61B+7.5% | |
| 1.14B-1.5% | 1.16B-3.9% | 1.21B+28.8% | 936M-4.6% | 981M+1.4% | ||
| Selling, general & administrative | 166M+1.3% | 164M+13.1% | 145M-0.6% | 146M+5.9% | 138M-7.7% | |
| General & administrative | 166M+1.3% | 164M+13.1% | 145M-0.6% | 146M+5.9% | 138M-7.7% | |
| Amortization of intangibles | — | — | 3.60M-42.9% | 6.30M-20.3% | 7.90M-1.3% | |
| Operating income | 627M+298.3% | 157M+851.5% | 16.5M-96.4% | 462M-27.0% | 633M+18.7% | |
| Interest expense | 294M+16.4% | 253M+25.1% | 202M+31.7% | 153M-9.6% | 170M-19.0% | |
| Other non-operating income | 5.04M-26.3% | 6.83M+34.5% | 5.08M+139.2% | 2.12M+111.9% | -17.8M-4881.5% | |
| Pre-tax income | 336M+449.4% | -96.2M+46.6% | -180M-158.0% | 311M-28.8% | 437M+54.3% | |
| Income tax | 79.3M+84.4% | 43.0M+64.1% | 26.2M-77.5% | 116M+36.4% | 85.3M+21.3% | |
| 257M+284.4% | -139M+32.6% | -206M-206.1% | 195M-44.5% | 351M+65.6% | ||
| Net income to non-controlling interest | — | — | 0.00 | 0.00-100.0% | 419K-38.0% | |
| $10.91+287.1% | -$5.83+33.1% | -$8.72-216.9% | $7.46-33.7% | $11.26+68.6% | ||
| EPS (basic) | $11.05+289.5% | -$5.83+33.1% | -$8.72-208.2% | $8.06-30.8% | $11.64+72.7% | |
| Weighted-avg shares (basic) | 23.2M-2.7% | 23.9M+0.9% | 23.7M-2.0% | 24.1M-19.9% | 30.1M-4.1% | |
| Weighted-avg shares (diluted) | 23.5M-1.4% | 23.9M+0.9% | 23.7M-9.3% | 26.1M-16.2% | 31.2M-1.8% | |
| Balance Sheet | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Cash & equivalents | 157M-21.6% | 200M+26.2% | 158M+10.0% | 144M-24.1% | 190M+0.2% | |
| 5.34B+11.5% | 4.79B+3.4% | 4.63B+2.7% | 4.51B-2.2% | 4.61B-5.3% | ||
| Property, plant & equipment | 82.1M+1.8% | 80.6M-22.5% | 104M-8.7% | 114M-5.0% | 120M-5.8% | |
| Operating lease right-of-use | 56.6M-2.5% | 58.1M-13.3% | 67.0M-4.4% | 70.1M+1.8% | 68.8M-4.6% | |
| Goodwill | 536M+5.6% | 508M-16.3% | 606M-26.1% | 821M-8.5% | 898M-1.0% | |
| Intangible assets | — | 0.00-100.0% | 48.0M+117.1% | 22.1M-39.1% | 36.3M-19.3% | |
| Deferred tax assets | 5.77M-31.5% | 8.42M-51.3% | 17.3M-4.4% | 18.1M-64.9% | 51.5M+55.0% | |
| 4.36B+8.5% | 4.02B+8.9% | 3.69B+11.0% | 3.33B-2.8% | 3.42B-6.1% | ||
| Long-term debt | 4.03B+8.7% | 3.71B+10.5% | 3.36B+14.2% | 2.94B-3.7% | 3.06B-9.4% | |
| Operating lease liability (total) | 65.4M-6.2% | 69.7M-14.4% | 81.5M-2.5% | 83.6M-0.8% | 84.3M-7.0% | |
| Finance lease liability (total) | 596K-44.0% | 1.06M-62.2% | 2.82M-50.3% | 5.67M-19.0% | 7.00M-15.5% | |
| 977M+27.3% | 767M-18.1% | 937M-20.6% | 1.18B-0.5% | 1.19B-2.7% | ||
| Preferred stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Common stock | 217K-8.4% | 237K+0.9% | 235K+0.9% | 233K-4.9% | 245K-21.7% | |
| Additional paid-in capital | 0.00-100.0% | 19.3M+74.6% | 11.1M | 0.00 | 0.00-100.0% | |
| Retained earnings | 1.10B+21.4% | 910M-13.3% | 1.05B-17.9% | 1.28B+3.2% | 1.24B+17.3% | |
| Accumulated other comprehensive income | -128M+21.0% | -162M-30.8% | -124M-25.4% | -98.8M-84.5% | -53.5M+22.2% | |
| Non-controlling interest | — | — | — | — | 0.00-100.0% | |
| Total equity incl. non-controlling | 977M+27.3% | 767M-18.1% | 937M-20.6% | 1.18B-0.5% | 1.19B-2.9% | |
| Total liabilities & equity | 5.34B+11.5% | 4.79B+3.4% | 4.63B+2.7% | 4.51B-2.2% | 4.61B-5.3% | |
| Common shares issued | 21.7M-8.5% | 23.7M+0.6% | 23.5M+1.0% | 23.3M-5.0% | 24.5M-21.7% | |
| Common shares outstanding | 21.7M-8.5% | 23.7M+0.6% | 23.5M+1.0% | 23.3M-5.0% | 24.5M-21.7% | |
| Shares outstanding (cover) | 21.4M-9.6% | 23.7M+0.6% | 23.5M+1.0% | 23.3M-4.9% | 24.5M-21.7% | |
| Cash Flow | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| 153M-1.9% | 156M+2.1% | 153M-27.4% | 211M-30.5% | 303M-3.1% | ||
| Depreciation & amortization | 28.8M-11.3% | 32.4M-22.3% | 41.7M-10.1% | 46.4M-7.3% | 50.1M+17.1% | |
| Intangible amortization | — | — | 3.60M-42.9% | 6.30M-20.3% | 7.90M-1.3% | |
| Share-based compensation | 18.3M+30.4% | 14.0M+1.1% | 13.9M-10.1% | 15.4M-16.0% | 18.3M+10.7% | |
| Deferred income taxes | 29.8M+233.8% | -22.3M+60.2% | -55.9M-220.5% | 46.4M+31.2% | 35.4M+313.7% | |
| Other operating activities | 7.65M-57.2% | 17.9M+891.5% | -2.26M-112.0% | 18.8M-28.9% | 26.4M+62.5% | |
| -243M+44.9% | -440M-9.6% | -402M-208.6% | -130M-138.3% | 340M+310.4% | ||
| Capital expenditure | 26.3M-9.4% | 29.0M+16.9% | 24.8M-33.4% | 37.2M+11.5% | 33.4M-3.5% | |
| Free cash flow | 127M-0.2% | 127M-0.8% | 128M-26.1% | 173M-35.7% | 270M-3.1% | |
| Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other investing activities | 1.89M+121.2% | -8.92M-1225.3% | 793K | 0.00-100.0% | 3.15M+112.2% | |
| 44.9M-85.9% | 318M+18.4% | 268M+349.7% | -107M+83.6% | -656M-62.6% | ||
| Long-term debt issued | 500M-50.0% | 1.00B+859.8% | 104M | 0.00-100.0% | 354M-73.1% | |
| Long-term debt repaid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Common stock issued | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Common stock repurchased | 90.4M | 0.00 | 0.00-100.0% | 87.0M-77.7% | 391M | |
| Dividends paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other financing activities | -4.14M-115.3% | 27.1M+376.7% | 5.67M+125.4% | -22.4M-83.1% | -12.2M+70.1% | |
| FX effect on cash | 1.45M-81.8% | 7.99M+263.1% | -4.90M+73.9% | -18.7M-241.9% | 13.2M+202.9% | |
| Interest paid | 260M+23.4% | 211M+28.5% | 164M+24.7% | 131M-0.8% | 132M-21.9% | |
| Income taxes paid | 54.8M-18.4% | 67.1M-2.1% | 68.5M-3.9% | 71.3M+69.5% | 42.0M-52.7% | |
| Valuation Ratios | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Market cap | 1.16B+2.8% | 1.13B-5.2% | 1.19B+6.5% | 1.12B-26.4% | 1.52B+24.8% | |
| P/E | 4.5× | — | — | 3.3×-24.9% | 4.3×-24.6% | |
| P/S | 0.7×-23.5% | 0.9×-15.1% | 1.0×+37.4% | 0.7×-21.9% | 0.9×+16.1% | |
| P/B | 1.2×-19.2% | 1.5×+48.1% | 1.0×+6.0% | 0.9×-26.9% | 1.3×+28.2% | |
| P/FCF | 9.2×+3.0% | 8.9×+3.7% | 8.6×+65.1% | 5.2×-8.0% | 5.6×+28.8% | |
| Earnings yield | 22.1% | — | — | 30.7%+33.2% | 23.0%+32.7% | |
| FCF yield | 10.9%-2.9% | 11.2%-3.5% | 11.6%-39.4% | 19.2%+8.7% | 17.7%-22.3% | |
| Source filing | 10-K | 10-K | 10-K | 10-K | 10-K |
About this data
Source: ECPG’s SEC filings (10-K / 10-Q). Annual columns are as-reported fiscal years; quarterly columns are as-reported fiscal quarters (Q4 derived as full-year minus the first three quarters where a company doesn’t file a standalone Q4); TTM (quarterly) rolls the trailing four quarters at every quarter end, TTM (yearly) samples that one year apart; balance-sheet rows show the period-end balance. Valuation ratios are sampled as of each period end. View all ECPG filings on SEC EDGAR → Not investment advice.