ECPG
Encore Capital Group Inc
NASDAQ: ECPG · FINANCIAL SERVICES · CREDIT SERVICES
$82.77
+1.03% today
Updated 2026-04-30
Market cap
$1.75B
P/E ratio
7.51
P/S ratio
0.99x
EPS (TTM)
$10.91
Dividend yield
—
52W range
$32 – $85
Volume
0.3M
Encore Capital Group Inc (ECPG) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $255.14M | $254.01M | $255.89M | $316.42M | $364.29M | $448.75M | $556.78M | $773.36M | $1.04B | $1.13B | $1.03B | $1.19B | $1.36B | $1.40B | $1.50B | $1.61B | $1.40B | $1.22B | $1.32B | $1.76B |
| Revenue growth (YoY) | — | -0.4% | +0.7% | +23.7% | +15.1% | +23.2% | +24.1% | +38.9% | +34.9% | +8.3% | -8.9% | +15.3% | +14.7% | +2.6% | +7.4% | +7.5% | -13.4% | -12.6% | +7.7% | +33.9% |
| Cost of revenue | $52.08M | $100.17M | $119.84M | $84.04M | $205.55M | $249.02M | $285.12M | $385.10M | $477.95M | $529.99M | $518.09M | $559.50M | $622.22M | $642.90M | $667.00M | $686.51M | $628.65M | $651.44M | $712.80M | $546.73M |
| Gross profit | $203.06M | $153.84M | $255.89M | $316.42M | $158.75M | $199.73M | $271.66M | $388.27M | $565.48M | $599.98M | $511.17M | $627.53M | $739.81M | $754.78M | $834.40M | $927.98M | $769.70M | $571.24M | $603.56M | $1.22B |
| Gross margin | 79.6% | 60.6% | 100.0% | 100.0% | 43.6% | 44.5% | 48.8% | 50.2% | 54.2% | 53.1% | 49.7% | 52.9% | 54.3% | 54.0% | 55.6% | 57.5% | 55.0% | 46.7% | 45.9% | 69.0% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — |
| SG&A | $17.31M | $17.48M | $177.32M | $201.90M | $29.80M | $39.76M | $61.80M | $109.71M | $139.98M | $191.36M | $134.05M | $158.08M | $158.35M | $148.26M | $149.11M | $137.69M | $145.80M | $144.86M | $163.85M | $165.95M |
| Operating income | $71.61M | $52.16M | $38.99M | $66.64M | $94.34M | $120.18M | $155.08M | $198.36M | $308.47M | $282.25M | $241.51M | $324.54M | $405.30M | $446.35M | $533.56M | $633.27M | $462.17M | $16.54M | $157.33M | $623.56M |
| Operating margin | 28.1% | 20.5% | 15.2% | 21.1% | 25.9% | 26.8% | 27.9% | 25.6% | 29.6% | 25.0% | 23.5% | 27.3% | 29.8% | 31.9% | 35.5% | 39.2% | 33.1% | 1.4% | 12.0% | 35.4% |
| EBITDA | $76.84M | $56.73M | $46.93M | $72.50M | $96.24M | $122.61M | $159.44M | $203.16M | $326.64M | $305.86M | $277.99M | $375.36M | $435.07M | $460.04M | $535.03M | $656.27M | $510.72M | $63.35M | $174.00M | $652.54M |
| EBITDA margin | 30.1% | 22.3% | 18.3% | 22.9% | 26.4% | 27.3% | 28.6% | 26.3% | 31.3% | 27.1% | 27.0% | 31.6% | 31.9% | 32.9% | 35.6% | 40.6% | 36.5% | 5.2% | 13.2% | 37.0% |
| EBIT | $71.61M | $52.16M | $44.12M | $69.90M | $93.04M | $117.95M | $153.60M | $189.62M | $299.54M | $272.70M | $243.12M | $335.39M | $393.84M | $419.01M | $492.25M | $606.19M | $464.30M | $21.61M | $141.57M | $623.78M |
| Interest expense | $31.03M | $13.90M | $20.57M | $16.16M | $17.68M | $19.28M | $23.27M | $68.75M | $157.89M | $174.76M | $185.75M | $204.16M | $237.35M | $217.77M | $209.36M | $169.65M | $153.31M | $201.88M | $252.54M | $287.63M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $24.01M | $15.04M | $13.85M | $33.05M | $49.05M | $60.96M | $69.48M | $75.30M | $103.73M | $45.13M | $76.57M | $83.23M | $115.89M | $167.87M | $211.85M | $350.78M | $194.56M | $-206.49M | $-139.24M | $256.83M |
| Net income growth (YoY) | — | -37.3% | -8.0% | +138.7% | +48.4% | +24.3% | +14.0% | +8.4% | +37.8% | -56.5% | +69.6% | +8.7% | +39.2% | +44.9% | +26.2% | +65.6% | -44.5% | -206.1% | +32.6% | +284.4% |
| Profit margin | 9.4% | 5.9% | 5.4% | 10.4% | 13.5% | 13.6% | 12.5% | 9.7% | 9.9% | 4.0% | 7.4% | 7.0% | 8.5% | 12.0% | 14.1% | 21.7% | 13.9% | -16.9% | -10.6% | 14.6% |