vs
Side-by-side financial comparison of ALBANY INTERNATIONAL CORP (AIN) and ENCORE CAPITAL GROUP INC (ECPG). Click either name above to swap in a different company.
ENCORE CAPITAL GROUP INC is the larger business by last-quarter revenue ($473.6M vs $321.2M, roughly 1.5× ALBANY INTERNATIONAL CORP). ENCORE CAPITAL GROUP INC runs the higher net margin — 16.2% vs 4.3%, a 11.9% gap on every dollar of revenue. On growth, ENCORE CAPITAL GROUP INC posted the faster year-over-year revenue change (78.3% vs 12.0%). ENCORE CAPITAL GROUP INC produced more free cash flow last quarter ($126.9M vs $51.4M). Over the past eight quarters, ENCORE CAPITAL GROUP INC's revenue compounded faster (20.1% CAGR vs 1.2%).
Albany International Corp is a global advanced materials and industrial technology company. It operates two core segments: Machine Clothing producing custom engineered fabrics for paper and other industrial manufacturing processes, and Engineered Composites developing high-performance composite components primarily for the aerospace and defense sectors, serving customers across North America, Europe, Asia and other global regions.
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.
AIN vs ECPG — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $321.2M | $473.6M |
| Net Profit | $13.9M | $76.7M |
| Gross Margin | 31.1% | — |
| Operating Margin | 9.3% | 36.6% |
| Net Margin | 4.3% | 16.2% |
| Revenue YoY | 12.0% | 78.3% |
| Net Profit YoY | -21.5% | — |
| EPS (diluted) | $0.56 | $3.32 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $321.2M | $473.6M | ||
| Q3 25 | $261.4M | $460.4M | ||
| Q2 25 | $311.4M | $442.1M | ||
| Q1 25 | $288.8M | $392.8M | ||
| Q4 24 | $286.9M | $265.6M | ||
| Q3 24 | $298.4M | $367.1M | ||
| Q2 24 | $332.0M | $355.3M | ||
| Q1 24 | $313.3M | $328.4M |
| Q4 25 | $13.9M | $76.7M | ||
| Q3 25 | $-97.8M | $74.7M | ||
| Q2 25 | $9.2M | $58.7M | ||
| Q1 25 | $17.4M | $46.8M | ||
| Q4 24 | $17.7M | — | ||
| Q3 24 | $18.0M | $30.6M | ||
| Q2 24 | $24.6M | $32.2M | ||
| Q1 24 | $27.3M | $23.2M |
| Q4 25 | 31.1% | — | ||
| Q3 25 | -19.1% | — | ||
| Q2 25 | 31.3% | — | ||
| Q1 25 | 33.4% | — | ||
| Q4 24 | 31.5% | — | ||
| Q3 24 | 30.3% | — | ||
| Q2 24 | 33.9% | — | ||
| Q1 24 | 34.7% | — |
| Q4 25 | 9.3% | 36.6% | ||
| Q3 25 | -44.6% | 37.6% | ||
| Q2 25 | 7.2% | 34.1% | ||
| Q1 25 | 9.8% | 32.9% | ||
| Q4 24 | 8.5% | — | ||
| Q3 24 | 8.4% | 28.9% | ||
| Q2 24 | 12.9% | 28.7% | ||
| Q1 24 | 12.4% | 25.5% |
| Q4 25 | 4.3% | 16.2% | ||
| Q3 25 | -37.4% | 16.2% | ||
| Q2 25 | 2.9% | 13.3% | ||
| Q1 25 | 6.0% | 11.9% | ||
| Q4 24 | 6.2% | — | ||
| Q3 24 | 6.0% | 8.3% | ||
| Q2 24 | 7.4% | 9.1% | ||
| Q1 24 | 8.7% | 7.1% |
| Q4 25 | $0.56 | $3.32 | ||
| Q3 25 | $-3.37 | $3.17 | ||
| Q2 25 | $0.31 | $2.49 | ||
| Q1 25 | $0.56 | $1.93 | ||
| Q4 24 | $0.57 | — | ||
| Q3 24 | $0.57 | $1.26 | ||
| Q2 24 | $0.79 | $1.34 | ||
| Q1 24 | $0.87 | $0.95 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $112.3M | $156.8M |
| Total DebtLower is stronger | $455.7M | $4.0B |
| Stockholders' EquityBook value | $726.2M | $976.8M |
| Total Assets | $1.7B | $5.3B |
| Debt / EquityLower = less leverage | 0.63× | 4.13× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $112.3M | $156.8M | ||
| Q3 25 | $108.3M | $172.5M | ||
| Q2 25 | $106.7M | $172.9M | ||
| Q1 25 | $119.4M | $187.1M | ||
| Q4 24 | $115.3M | $199.9M | ||
| Q3 24 | $127.2M | $247.4M | ||
| Q2 24 | $116.4M | $250.6M | ||
| Q1 24 | $125.4M | $173.0M |
| Q4 25 | $455.7M | $4.0B | ||
| Q3 25 | $480.6M | — | ||
| Q2 25 | $444.7M | — | ||
| Q1 25 | $416.4M | — | ||
| Q4 24 | $318.5M | $3.7B | ||
| Q3 24 | $362.2M | — | ||
| Q2 24 | $377.1M | — | ||
| Q1 24 | $439.1M | — |
| Q4 25 | $726.2M | $976.8M | ||
| Q3 25 | $739.3M | $952.9M | ||
| Q2 25 | $888.6M | $896.0M | ||
| Q1 25 | $900.0M | $819.1M | ||
| Q4 24 | $943.5M | $767.3M | ||
| Q3 24 | $991.0M | $1.0B | ||
| Q2 24 | $967.5M | $988.1M | ||
| Q1 24 | $967.5M | $953.9M |
| Q4 25 | $1.7B | $5.3B | ||
| Q3 25 | $1.7B | $5.3B | ||
| Q2 25 | $1.7B | $5.2B | ||
| Q1 25 | $1.7B | $5.0B | ||
| Q4 24 | $1.6B | $4.8B | ||
| Q3 24 | $1.8B | $5.0B | ||
| Q2 24 | $1.8B | $4.8B | ||
| Q1 24 | $1.8B | $4.7B |
| Q4 25 | 0.63× | 4.13× | ||
| Q3 25 | 0.65× | — | ||
| Q2 25 | 0.50× | — | ||
| Q1 25 | 0.46× | — | ||
| Q4 24 | 0.34× | 4.83× | ||
| Q3 24 | 0.37× | — | ||
| Q2 24 | 0.39× | — | ||
| Q1 24 | 0.45× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $73.7M | $153.2M |
| Free Cash FlowOCF − Capex | $51.4M | $126.9M |
| FCF MarginFCF / Revenue | 16.0% | 26.8% |
| Capex IntensityCapex / Revenue | 6.9% | 5.5% |
| Cash ConversionOCF / Net Profit | 5.31× | 2.00× |
| TTM Free Cash FlowTrailing 4 quarters | $82.6M | $244.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $73.7M | $153.2M | ||
| Q3 25 | $43.9M | $81.6M | ||
| Q2 25 | $32.7M | $9.5M | ||
| Q1 25 | $2.1M | $45.3M | ||
| Q4 24 | $78.5M | $156.2M | ||
| Q3 24 | $47.0M | $45.9M | ||
| Q2 24 | $83.4M | $35.7M | ||
| Q1 24 | $9.6M | $51.0M |
| Q4 25 | $51.4M | $126.9M | ||
| Q3 25 | $25.9M | $75.6M | ||
| Q2 25 | $18.8M | $3.2M | ||
| Q1 25 | $-13.5M | $38.3M | ||
| Q4 24 | $60.2M | $127.2M | ||
| Q3 24 | $31.6M | $39.7M | ||
| Q2 24 | $63.6M | $28.3M | ||
| Q1 24 | $-17.3M | $44.1M |
| Q4 25 | 16.0% | 26.8% | ||
| Q3 25 | 9.9% | 16.4% | ||
| Q2 25 | 6.0% | 0.7% | ||
| Q1 25 | -4.7% | 9.7% | ||
| Q4 24 | 21.0% | 47.9% | ||
| Q3 24 | 10.6% | 10.8% | ||
| Q2 24 | 19.2% | 8.0% | ||
| Q1 24 | -5.5% | 13.4% |
| Q4 25 | 6.9% | 5.5% | ||
| Q3 25 | 6.9% | 1.3% | ||
| Q2 25 | 4.5% | 1.4% | ||
| Q1 25 | 5.4% | 1.8% | ||
| Q4 24 | 6.4% | 10.9% | ||
| Q3 24 | 5.2% | 1.7% | ||
| Q2 24 | 6.0% | 2.1% | ||
| Q1 24 | 8.6% | 2.1% |
| Q4 25 | 5.31× | 2.00× | ||
| Q3 25 | — | 1.09× | ||
| Q2 25 | 3.56× | 0.16× | ||
| Q1 25 | 0.12× | 0.97× | ||
| Q4 24 | 4.44× | — | ||
| Q3 24 | 2.61× | 1.50× | ||
| Q2 24 | 3.39× | 1.11× | ||
| Q1 24 | 0.35× | 2.19× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AIN
| Transferred At Point In Time | $176.5M | 55% |
| Engineered Composites Other | $99.3M | 31% |
| Engineered Composites ASC | $44.5M | 14% |
| Transferred Over Time | $1.0M | 0% |
ECPG
Segment breakdown not available.
