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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.
Rule-based from financial data. Not advice.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 5 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 | 2025 |
|---|---|
| Total Revenue | 1,768.80 |
| Operating Revenue | 1,544.18 |
| Cost Of Revenue | 802.97 |
| Gross Profit | 965.83 |
| Operating Expense | 339.18 |
| Selling General And Administration | 165.95 |
| Total Expenses | 1,142.16 |
| Operating Income | 626.65 |
| Total Operating Income As Reported | 626.65 |
| EBITDA | 645.39 |
| Normalized EBITDA | 647.01 |
| EBIT | 616.63 |
| Interest Expense | 280.47 |
| Net Interest Income | -293.91 |
| Other Non Operating Income Expenses | 5.04 |
| Other Income Expense | 3.42 |
| Interest Expense Non Operating | 280.47 |
| Net Non Operating Interest Income Expense | -293.91 |
| Pretax Income | 336.16 |
| Tax Provision | 79.32 |
| Tax Rate For Calcs | 0 |
| Tax Effect Of Unusual Items | -0.38 |
| Net Income Continuous Operations | 256.83 |
| Net Income From Continuing And Discontinued Operation | 256.83 |
| Net Income From Continuing Operation Net Minority Interest | 256.83 |
| Net Income | 256.83 |
| Net Income Common Stockholders | 256.83 |
| Net Income Including Noncontrolling Interests | 256.83 |
| Normalized Income | 258.07 |
| Diluted NI Availto Com Stockholders | 256.83 |
| Basic Average Shares | 23.23 |
| Diluted Average Shares | 23.53 |
| Reconciled Depreciation | 28.76 |
| Reconciled Cost Of Revenue | 802.97 |
| Total Unusual Items | -1.61 |
| Total Unusual Items Excluding Goodwill | -1.61 |
| Minority Interests | - |
| Special Income Charges | -1.61 |
| Other Special Charges | 1.61 |
| Impairment Of Capital Assets | 0 |
| Depreciation Amortization Depletion Income Statement | 28.76 |
| Depreciation And Amortization In Income Statement | 28.76 |
| General And Administrative Expense | 165.95 |
| Other Gand A | 165.95 |
| Total Other Finance Cost | 13.44 |
| Other Operating Expenses | 144.48 |
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 | $1.7B | 6.73↓ discount | 1.77 | 26.3% | 8.63 |
| 1st Source Corporation | SRCE | $1.8B | 11.35 | 1.41 | 12.4% | - |
| Fidelis Insurance Holdings Limited | FIHL | $1.8B | 7.93 | 0.74 | 9.4% | - |
| Skyward Specialty Insurance Group, Inc. | SKWD | $1.8B | 10.50 | 1.77 | 16.8% | - |
| City Holding Company |
| - |
| - |
| - |
| - |
| - |
| - |
| CHCO |
| $1.8B |
| 13.60 |
| 2.19 |
| 16.1% |
| - |
| Walker & Dunlop, Inc. | WD | $1.8B | 31.09 | 1.02 | 3.3% | 11.41 |
| Live Oak Bancshares, Inc. | LOB | $1.7B | 16.42 | 1.51 | 9.2% | - |
| Triumph Financial, Inc. | TFIN | $1.7B | 66.83 | 1.89 | 2.8% | - |
| Pathward Financial, Inc. | CASH | $1.7B | 9.01 | 1.94 | 21.6% | - |
| Peer Median | - | 12.48 | 1.64 | 10.9% | 11.41 | |