Encore Capital Group financials
$95.25−1.29%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Quarter | Q2 '26 Jun 30 | Q1 '26 Mar 31 | Q4 '25 Dec 31 | Q3 '25 Sep 30 | Q2 '25 Jun 30 | Q1 '25 Mar 31 | Q4 '24 Dec 31 | Q3 '24 Sep 30 | Q2 '24 Jun 30 | Q1 '24 Mar 31 | Q4 '23 Dec 31 | Q3 '23 Sep 30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $491.9M | $475.4M | $473.6M | $460.4M | $442.1M | $392.8M | $265.6M | $367.1M | $355.3M | $328.4M | $272.1M | $305.5M |
| Gross profit | $395.3M | $386.2M | $385.8M | $380.3M | $362.5M | $324.8M | $196.6M | $299.7M | $291.0M | $269.7M | $439.6M | $249.2M |
| Gross margin | 80.4% | 81.2% | 81.5% | 82.6% | 82.0% | 82.7% | 74.0% | 81.7% | 81.9% | 82.1% | 161.6% | 81.6% |
| Operating income | $186.9M | $184.0M | $173.4M | $173.2M | $150.7M | $129.3M | -$134.2M | $106.1M | $101.8M | $83.6M | -$222.5M | $71.4M |
| Net income | $64.0M | $86.2M | $76.7M | $74.7M | $58.7M | $46.8M | -$225.3M | $30.6M | $32.2M | $23.2M | -$270.8M | $19.3M |
| Net margin | 13.0% | 18.1% | 16.2% | 16.2% | 13.3% | 11.9% | −84.8% | 8.3% | 9.1% | 7.1% | −99.5% | 6.3% |
| Diluted EPS | $2.81 | $3.86 | $3.37 | $3.17 | $2.49 | $1.93 | $-10.00 | $1.26 | $1.34 | $0.95 | $-12.85 | $0.79 |
| EBITDA | $194.0M | $190.8M | $180.3M | $180.3M | $158.0M | $136.7M | -$6.1M | $114.2M | $109.3M | $91.4M | $34.4M | $82.6M |
| Operating cash flow | -$29.4M | $82.3M | $16.8M | $81.6M | $9.5M | $45.3M | $23.5M | $45.9M | $35.7M | $51.0M | $36.8M | $53.6M |
| Free cash flow | -$37.8M | $77.5M | $9.9M | $75.6M | $3.2M | $38.3M | $14.8M | $39.7M | $28.3M | $44.1M | $1.8M | $46.3M |
| Diluted shares | 22.8M | 22.3M | 22.8M | 23.5M | 23.6M | 24.3M | 22.5M | 24.4M | 24.1M | 24.5M | 21.1M | 24.4M |
Balance sheet
| Period end | Jun 30 | Mar 31 | Dec 31 | Sep 30 | Jun 30 | Mar 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $182.9M | $227.2M | $156.8M | $172.5M | $172.9M | $187.1M |
| Short-term investments | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Total debt | $4.18B | $4.03B | $4.00B | $3.93B | $3.97B | $3.79B |
| Total assets | $5.57B | $5.45B | $5.34B | $5.26B | $5.19B | $4.97B |
| Total liabilities | $4.49B | $4.42B | $4.36B | $4.31B | $4.30B | $4.15B |
| Shareholders' equity | $1.08B | $1.03B | $976.8M | $952.9M | $896.0M | $819.1M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology