ENCORE CAPITAL GROUP INCECPGEarnings & Financial Report
Encore Capital Group, Inc. is a publicly traded debt buyer based in the United States. The company is headquartered in San Diego, and operates throughout the United States. The firm is a publicly traded NASDAQ Global Select company (ECPG), a component stock of the Russell 2000, the S&P SmallCap 600, and the Wilshire 4500.
Revenue
$355.3M
Gross Profit
N/A
Operating Profit
$101.8M
Net Profit
$32.2M
Gross Margin
N/A
Operating Margin
28.7%
Net Margin
9.1%
YoY Growth
10.0%
EPS
$1.34
ENCORE CAPITAL GROUP INC Q2 FY2024 Financial Summary
ENCORE CAPITAL GROUP INC reported revenue of $355.3M (up 10.0% YoY) for Q2 FY2024, with a net profit of $32.2M (up 22.3% YoY) (9.1% margin).
Key Financial Metrics
| Total Revenue | $355.3M |
|---|---|
| Net Profit | $32.2M |
| Gross Margin | N/A |
| Operating Margin | 28.7% |
| Report Period | Q2 FY2024 |
ENCORE CAPITAL GROUP INC Annual Revenue by Year
ENCORE CAPITAL GROUP INC annual revenue history includes year-by-year totals (for example, 2025 revenue was $1.8B).
| Year | Annual Revenue |
|---|---|
| 2025 | $1.8B |
| 2024 | $1.3B |
ENCORE CAPITAL GROUP INC Quarterly Revenue & Net Profit History
ENCORE CAPITAL GROUP INC results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $473.6M | +78.3% | $76.7M | 16.2% |
| Q3 FY2025 | $460.4M | +25.4% | $74.7M | 16.2% |
| Q2 FY2025 | $442.1M | +24.4% | $58.7M | 13.3% |
| Q1 FY2025 | $392.8M | +19.6% | $46.8M | 11.9% |
| Q4 FY2024 | $265.6M | -4.2% | N/A | N/A |
| Q3 FY2024 | $367.1M | +18.6% | $30.6M | 8.3% |
| Q2 FY2024 | $355.3M | +10.0% | $32.2M | 9.1% |
| Q1 FY2024 | $328.4M | +5.0% | $23.2M | 7.1% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $328.4M | $355.3M | $367.1M | $265.6M | $392.8M | $442.1M | $460.4M | $473.6M |
| YoY Growth | 5.0% | 10.0% | 18.6% | -4.2% | 19.6% | 24.4% | 25.4% | 78.3% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $4.69B | $4.82B | $4.99B | $4.79B | $4.97B | $5.19B | $5.26B | $5.34B |
| Liabilities | $3.73B | $3.83B | $3.95B | $4.02B | $4.15B | $4.30B | $4.31B | $4.36B |
| Equity | $953.9M | $988.1M | $1.05B | $767.3M | $819.1M | $896.0M | $952.9M | $976.8M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $51.0M | $35.7M | $45.9M | $156.2M | $45.3M | $9.5M | $81.6M | $153.2M |