How Encore Capital Group makes money

Period

FY2025

How does Encore Capital Group make money? This Sankey traces every dollar of revenue through the income statement — into cost of revenue, R&D, SG&A, and taxes — and shows what's left as profit. Pick any fiscal year, recent quarter, or the trailing twelve months. Straight from SEC filings.

Encore Capital Group Inc · FY2025 · year ended 2025-12-31

Revenue$1.8BGross profit$1.8B · 100%Cost of revenue$0 · 0%Operating income$627M · 35%Operating expenses$1.1B · 65%SG&A$166M · 9%Other opex$976M · 55%Pre-tax income$336M · 19%Other expense$290M · 16%Net income$257M · 15%Income tax$79M · 4%

Each fiscal year from SEC filings. Percentages are share of revenue, so the green profit nodes read directly as gross / operating / net margin. Line items a company doesn't break out are derived from their siblings so the flows balance; small residuals show as “Other.” For informational purposes only.