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Encore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide. The company purchases portfolios of defaulted consumer receivables at discounts to face value, as well as manages them by working with individuals as they repay their obligations and works toward financial recovery. It is also involved in the provision of debt servicing, such as early stage collection, business process outsourcing, and contingent collection services. In addition, the company engages in debt servicing and other portfolio management services to credit originator for non-performing loans. Further, it offers credit management services. Encore Capital Group, Inc. was incorporated in 1999 and is headquartered in San Diego, California.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $1.8B | $645M | $257M | $127M | 26.3% | 34.4% | -284.4% |
| 2024 | $1.3B | $174M | $-139M | $127M | -18.1% | 7.7% | -32.6% |
| 2023 | $1.2B | $63M | $-206M | $101M | -22.0% | -12.6% | -206.1% |
| 2022 | $1.4B | $511M | $195M | $134M | 16.5% | - | - |
| 2021 | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 1,398.35 | 1,222.68 | 1,316.36 | 1,768.80 |
| Cost Of Revenue | - | 628.65 | 651.44 | 712.80 | 802.97 |
| Gross Profit | - | 769.70 | 571.24 | 603.56 | 965.83 |
| Operating Expense | - | 303.45 | 297.78 | 327.08 | 339.18 |
| Operating Income | - | 466.25 | 273.46 | 276.47 | 626.65 |
| EBITDA | - | 510.72 | 63.35 | 174 | 645.39 |
| EBIT | - | 464.30 | 21.61 | 141.57 | 616.63 |
| Pretax Income | - | 310.99 | -180.26 | -96.22 | 336.16 |
| Tax Provision | - | 116.42 | 26.23 | 43.03 | 79.32 |
| Net Income | - | 194.56 | -206.49 | -139.24 | 256.83 |
| Net Income Common Stockholders | - | 194.56 | -206.49 | -139.24 | 256.83 |
| Total Expenses | - | 932.10 | 949.22 | 1,039.89 | 1,142.16 |
| Interest Expense | - | 153.31 | 201.88 | 237.78 | 280.47 |
| Selling General And Administration | - | 145.80 | 144.86 | 163.85 | 165.95 |
| Normalized EBITDA | - | 514.79 | 320.28 | 300.98 | 647.01 |
| Normalized Income | - | 197.11 | -3.52 | -38.93 | 258.07 |
| Market Cap | 1,792.68 | 1,792.68 | 1,792.68 | 1,792.68 | 1,792.68 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Encore Capital Group, Inc.this co. | ECPG | $1.9B | 6.98↓ discount | 1.84 | 26.3% | 8.73 |
| Skyward Specialty Insurance Group, Inc. | SKWD | $2.0B | 11.00 | 1.80 | 16.8% | 6.94 |
| Banco Latinoamericano de Comercio Exterior, S. A. | BLX | $2.0B | 8.77 | 1.19 | 13.5% | - |
| Patria Investments Limited | PAX | $2.0B | 18.34 | 3.19 | 14.6% | 12.28 |
| Perella Weinberg Partners |
| - |
| - |
| - |
| - |
| - |
| - |
| PWP |
| $2.0B |
| 45.57 |
| -11.23 |
| 13.6% |
| - |
| Columbia Financial, Inc. | CLBK | $2.0B | 34.62 | 1.69 | 4.5% | - |
| Stellar Bancorp, Inc. | STEL | $1.9B | 18.45 | 1.14 | 6.2% | - |
| First Commonwealth Financial Corporation | FCF | $1.9B | 12.50 | 1.22 | 9.8% | - |
| LendingClub Corporation | LC | $1.9B | 11.03 | 1.27 | 9.0% | 3.75 |
| Peer Median | - | 15.42 | 1.25 | 11.7% | 6.94 | |