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Side-by-side financial comparison of Dayforce (DAY) and ENCORE CAPITAL GROUP INC (ECPG). Click either name above to swap in a different company.
Dayforce is the larger business by last-quarter revenue ($481.6M vs $473.6M, roughly 1.0× ENCORE CAPITAL GROUP INC). ENCORE CAPITAL GROUP INC runs the higher net margin — 16.2% vs -40.9%, a 57.1% gap on every dollar of revenue. On growth, ENCORE CAPITAL GROUP INC posted the faster year-over-year revenue change (78.3% vs 9.5%). Over the past eight quarters, ENCORE CAPITAL GROUP INC's revenue compounded faster (20.1% CAGR vs 9.8%).
Dayforce, Inc., formerly Ceridian, is an American human resources software and services company.
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.
DAY vs ECPG — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $481.6M | $473.6M |
| Net Profit | $-196.8M | $76.7M |
| Gross Margin | — | — |
| Operating Margin | 6.3% | 36.6% |
| Net Margin | -40.9% | 16.2% |
| Revenue YoY | 9.5% | 78.3% |
| Net Profit YoY | -9940.0% | — |
| EPS (diluted) | $-1.23 | $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 | — | $473.6M | ||
| Q3 25 | $481.6M | $460.4M | ||
| Q2 25 | $464.7M | $442.1M | ||
| Q1 25 | $481.8M | $392.8M | ||
| Q4 24 | $465.2M | $265.6M | ||
| Q3 24 | $440.0M | $367.1M | ||
| Q2 24 | $423.3M | $355.3M | ||
| Q1 24 | $431.5M | $328.4M |
| Q4 25 | — | $76.7M | ||
| Q3 25 | $-196.8M | $74.7M | ||
| Q2 25 | $21.3M | $58.7M | ||
| Q1 25 | $14.9M | $46.8M | ||
| Q4 24 | $10.8M | — | ||
| Q3 24 | $2.0M | $30.6M | ||
| Q2 24 | $-1.8M | $32.2M | ||
| Q1 24 | $7.1M | $23.2M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 47.0% | — | ||
| Q3 24 | 45.8% | — | ||
| Q2 24 | 44.1% | — | ||
| Q1 24 | 47.6% | — |
| Q4 25 | — | 36.6% | ||
| Q3 25 | 6.3% | 37.6% | ||
| Q2 25 | 9.1% | 34.1% | ||
| Q1 25 | 6.4% | 32.9% | ||
| Q4 24 | 6.1% | — | ||
| Q3 24 | 4.7% | 28.9% | ||
| Q2 24 | 3.3% | 28.7% | ||
| Q1 24 | 9.4% | 25.5% |
| Q4 25 | — | 16.2% | ||
| Q3 25 | -40.9% | 16.2% | ||
| Q2 25 | 4.6% | 13.3% | ||
| Q1 25 | 3.1% | 11.9% | ||
| Q4 24 | 2.3% | — | ||
| Q3 24 | 0.5% | 8.3% | ||
| Q2 24 | -0.4% | 9.1% | ||
| Q1 24 | 1.6% | 7.1% |
| Q4 25 | — | $3.32 | ||
| Q3 25 | $-1.23 | $3.17 | ||
| Q2 25 | $0.13 | $2.49 | ||
| Q1 25 | $0.09 | $1.93 | ||
| Q4 24 | $0.07 | — | ||
| Q3 24 | $0.01 | $1.26 | ||
| Q2 24 | $-0.01 | $1.34 | ||
| Q1 24 | $0.04 | $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 | $627.6M | $156.8M |
| Total DebtLower is stronger | $631.1M | $4.0B |
| Stockholders' EquityBook value | $2.7B | $976.8M |
| Total Assets | $8.7B | $5.3B |
| Debt / EquityLower = less leverage | 0.23× | 4.13× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $156.8M | ||
| Q3 25 | $627.6M | $172.5M | ||
| Q2 25 | $625.2M | $172.9M | ||
| Q1 25 | $557.3M | $187.1M | ||
| Q4 24 | $579.7M | $199.9M | ||
| Q3 24 | $494.1M | $247.4M | ||
| Q2 24 | $465.4M | $250.6M | ||
| Q1 24 | $392.5M | $173.0M |
| Q4 25 | — | $4.0B | ||
| Q3 25 | $631.1M | — | ||
| Q2 25 | $631.8M | — | ||
| Q1 25 | $632.4M | — | ||
| Q4 24 | $1.2B | $3.7B | ||
| Q3 24 | $1.2B | — | ||
| Q2 24 | $1.2B | — | ||
| Q1 24 | $1.2B | — |
| Q4 25 | — | $976.8M | ||
| Q3 25 | $2.7B | $952.9M | ||
| Q2 25 | $2.7B | $896.0M | ||
| Q1 25 | $2.6B | $819.1M | ||
| Q4 24 | $2.5B | $767.3M | ||
| Q3 24 | $2.6B | $1.0B | ||
| Q2 24 | $2.5B | $988.1M | ||
| Q1 24 | $2.4B | $953.9M |
| Q4 25 | — | $5.3B | ||
| Q3 25 | $8.7B | $5.3B | ||
| Q2 25 | $8.5B | $5.2B | ||
| Q1 25 | $9.5B | $5.0B | ||
| Q4 24 | $9.1B | $4.8B | ||
| Q3 24 | $8.1B | $5.0B | ||
| Q2 24 | $9.0B | $4.8B | ||
| Q1 24 | $10.8B | $4.7B |
| Q4 25 | — | 4.13× | ||
| Q3 25 | 0.23× | — | ||
| Q2 25 | 0.23× | — | ||
| Q1 25 | 0.24× | — | ||
| Q4 24 | 0.47× | 4.83× | ||
| Q3 24 | 0.47× | — | ||
| Q2 24 | 0.49× | — | ||
| Q1 24 | 0.50× | — |
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 | $31.2M | $153.2M |
| Free Cash FlowOCF − Capex | — | $126.9M |
| FCF MarginFCF / Revenue | — | 26.8% |
| Capex IntensityCapex / Revenue | — | 5.5% |
| Cash ConversionOCF / Net Profit | — | 2.00× |
| TTM Free Cash FlowTrailing 4 quarters | — | $244.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $153.2M | ||
| Q3 25 | $31.2M | $81.6M | ||
| Q2 25 | $112.7M | $9.5M | ||
| Q1 25 | $49.6M | $45.3M | ||
| Q4 24 | $81.0M | $156.2M | ||
| Q3 24 | $91.8M | $45.9M | ||
| Q2 24 | $99.2M | $35.7M | ||
| Q1 24 | $9.1M | $51.0M |
| Q4 25 | — | $126.9M | ||
| Q3 25 | — | $75.6M | ||
| Q2 25 | — | $3.2M | ||
| Q1 25 | — | $38.3M | ||
| Q4 24 | — | $127.2M | ||
| Q3 24 | — | $39.7M | ||
| Q2 24 | — | $28.3M | ||
| Q1 24 | — | $44.1M |
| Q4 25 | — | 26.8% | ||
| Q3 25 | — | 16.4% | ||
| Q2 25 | — | 0.7% | ||
| Q1 25 | — | 9.7% | ||
| Q4 24 | — | 47.9% | ||
| Q3 24 | — | 10.8% | ||
| Q2 24 | — | 8.0% | ||
| Q1 24 | — | 13.4% |
| Q4 25 | — | 5.5% | ||
| Q3 25 | — | 1.3% | ||
| Q2 25 | — | 1.4% | ||
| Q1 25 | — | 1.8% | ||
| Q4 24 | — | 10.9% | ||
| Q3 24 | — | 1.7% | ||
| Q2 24 | — | 2.1% | ||
| Q1 24 | — | 2.1% |
| Q4 25 | — | 2.00× | ||
| Q3 25 | — | 1.09× | ||
| Q2 25 | 5.29× | 0.16× | ||
| Q1 25 | 3.33× | 0.97× | ||
| Q4 24 | 7.50× | — | ||
| Q3 24 | 45.90× | 1.50× | ||
| Q2 24 | — | 1.11× | ||
| Q1 24 | 1.28× | 2.19× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
DAY
| Dayforce Recurring | $333.0M | 69% |
| Cloud And Bureau Professional Services And Other | $78.5M | 16% |
| Float | $42.2M | 9% |
| Powerpay Recurring | $19.7M | 4% |
| Other Recurring | $8.2M | 2% |
ECPG
Segment breakdown not available.
