Encore Capital Group financials
$95.25−1.29%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 | FY17 Dec 31 | FY16 Dec 31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.77B | $1.32B | $1.22B | $1.39B | $1.61B | $1.50B | $1.39B | $1.36B | $1.14B | $1.11B |
| Gross profit | $1.45B | $1.06B | $998.4M | $1.39B | $1.61B | $1.50B | $1.39B | $1.36B | $1.14B | $1.11B |
| Gross margin | 82.2% | 80.3% | 81.7% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Operating income | $626.6M | $157.3M | $16.5M | $454.3M | $626.4M | $529.2M | $436.4M | $399.9M | $322.2M | $241.5M |
| Net income | $256.8M | -$139.2M | -$206.5M | $194.6M | $350.8M | $211.8M | $167.9M | $115.9M | $83.2M | $76.6M |
| Net margin | 14.5% | −10.6% | −16.9% | 14.0% | 21.8% | 14.2% | 12.1% | 8.5% | 7.3% | 6.9% |
| Diluted EPS | $10.91 | $-5.83 | $-8.72 | $7.46 | $11.26 | $6.68 | $5.33 | $4.06 | $3.15 | $2.96 |
| EBITDA | $655.4M | $308.9M | $315.2M | $504.7M | $676.5M | $572.0M | $488.1M | $441.1M | $362.2M | $276.4M |
| Operating cash flow | $153.2M | $156.2M | $153.0M | $210.7M | $303.1M | $312.9M | $244.7M | $186.8M | $123.8M | $130.3M |
| Free cash flow | $126.9M | $126.9M | $101.3M | $134.1M | $252.6M | $276.8M | $205.1M | $119.3M | $95.7M | $78.8M |
| Diluted shares | 23.5M | 23.9M | 23.7M | 26.1M | 31.2M | 31.7M | 31.5M | 28.6M | 26.4M | 25.9M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $156.8M | $199.9M | $158.4M | $143.9M | $189.6M | $189.2M |
| Short-term investments | $0.00 | $0.00 | $0.00 | $0.00 | — | — |
| Total debt | $4.00B | $3.67B | $3.32B | $2.90B | $3.00B | $3.28B |
| Total assets | $5.34B | $4.79B | $4.63B | $4.51B | $4.61B | $4.86B |
| Total liabilities | $4.36B | $4.02B | $3.69B | $3.33B | $3.42B | $3.64B |
| Shareholders' equity | $976.8M | $767.3M | $936.5M | $1.18B | $1.19B | $1.22B |
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