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Side-by-side financial comparison of ENCORE CAPITAL GROUP INC (ECPG) and Fair Isaac (FICO). Click either name above to swap in a different company.
Fair Isaac is the larger business by last-quarter revenue ($512.0M vs $473.6M, roughly 1.1× ENCORE CAPITAL GROUP INC). Fair Isaac runs the higher net margin — 30.9% vs 16.2%, a 14.7% gap on every dollar of revenue. On growth, ENCORE CAPITAL GROUP INC posted the faster year-over-year revenue change (78.3% vs 16.4%). Fair Isaac produced more free cash flow last quarter ($173.9M vs $126.9M). Over the past eight quarters, ENCORE CAPITAL GROUP INC's revenue compounded faster (20.1% CAGR vs 8.6%).
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.
FICO, originally Fair, Isaac and Company, is an American data analytics company based in Bozeman, Montana, focused on credit scoring services. It was founded by Bill Fair and Earl Isaac in 1956. Its FICO score, a measure of consumer credit risk, has become a fixture of consumer lending in the United States.
ECPG vs FICO — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $473.6M | $512.0M |
| Net Profit | $76.7M | $158.4M |
| Gross Margin | — | 83.0% |
| Operating Margin | 36.6% | 45.7% |
| Net Margin | 16.2% | 30.9% |
| Revenue YoY | 78.3% | 16.4% |
| Net Profit YoY | — | 3.8% |
| EPS (diluted) | $3.32 | $6.61 |
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 | $512.0M | ||
| Q3 25 | $460.4M | $515.8M | ||
| Q2 25 | $442.1M | $536.4M | ||
| Q1 25 | $392.8M | $498.7M | ||
| Q4 24 | $265.6M | $440.0M | ||
| Q3 24 | $367.1M | $453.8M | ||
| Q2 24 | $355.3M | $447.8M | ||
| Q1 24 | $328.4M | $433.8M |
| Q4 25 | $76.7M | $158.4M | ||
| Q3 25 | $74.7M | $155.0M | ||
| Q2 25 | $58.7M | $181.8M | ||
| Q1 25 | $46.8M | $162.6M | ||
| Q4 24 | — | $152.5M | ||
| Q3 24 | $30.6M | $135.7M | ||
| Q2 24 | $32.2M | $126.3M | ||
| Q1 24 | $23.2M | $129.8M |
| Q4 25 | — | 83.0% | ||
| Q3 25 | — | 82.3% | ||
| Q2 25 | — | 83.7% | ||
| Q1 25 | — | 82.4% | ||
| Q4 24 | — | 80.1% | ||
| Q3 24 | — | 80.3% | ||
| Q2 24 | — | 80.3% | ||
| Q1 24 | — | 80.0% |
| Q4 25 | 36.6% | 45.7% | ||
| Q3 25 | 37.6% | 46.0% | ||
| Q2 25 | 34.1% | 48.9% | ||
| Q1 25 | 32.9% | 49.3% | ||
| Q4 24 | — | 40.8% | ||
| Q3 24 | 28.9% | 43.4% | ||
| Q2 24 | 28.7% | 42.5% | ||
| Q1 24 | 25.5% | 44.9% |
| Q4 25 | 16.2% | 30.9% | ||
| Q3 25 | 16.2% | 30.1% | ||
| Q2 25 | 13.3% | 33.9% | ||
| Q1 25 | 11.9% | 32.6% | ||
| Q4 24 | — | 34.7% | ||
| Q3 24 | 8.3% | 29.9% | ||
| Q2 24 | 9.1% | 28.2% | ||
| Q1 24 | 7.1% | 29.9% |
| Q4 25 | $3.32 | $6.61 | ||
| Q3 25 | $3.17 | $6.41 | ||
| Q2 25 | $2.49 | $7.40 | ||
| Q1 25 | $1.93 | $6.59 | ||
| Q4 24 | — | $6.14 | ||
| Q3 24 | $1.26 | $5.44 | ||
| Q2 24 | $1.34 | $5.05 | ||
| Q1 24 | $0.95 | $5.16 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $156.8M | $162.0M |
| Total DebtLower is stronger | $4.0B | $3.2B |
| Stockholders' EquityBook value | $976.8M | $-1.8B |
| Total Assets | $5.3B | $1.9B |
| Debt / EquityLower = less leverage | 4.13× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $156.8M | $162.0M | ||
| Q3 25 | $172.5M | $134.1M | ||
| Q2 25 | $172.9M | $189.0M | ||
| Q1 25 | $187.1M | $146.6M | ||
| Q4 24 | $199.9M | $184.3M | ||
| Q3 24 | $247.4M | $150.7M | ||
| Q2 24 | $250.6M | $156.0M | ||
| Q1 24 | $173.0M | $135.7M |
| Q4 25 | $4.0B | $3.2B | ||
| Q3 25 | — | $3.1B | ||
| Q2 25 | — | $2.8B | ||
| Q1 25 | — | $2.5B | ||
| Q4 24 | $3.7B | $2.4B | ||
| Q3 24 | — | $2.2B | ||
| Q2 24 | — | $2.1B | ||
| Q1 24 | — | $2.0B |
| Q4 25 | $976.8M | $-1.8B | ||
| Q3 25 | $952.9M | $-1.7B | ||
| Q2 25 | $896.0M | $-1.4B | ||
| Q1 25 | $819.1M | $-1.1B | ||
| Q4 24 | $767.3M | $-1.1B | ||
| Q3 24 | $1.0B | $-962.7M | ||
| Q2 24 | $988.1M | $-829.3M | ||
| Q1 24 | $953.9M | $-735.7M |
| Q4 25 | $5.3B | $1.9B | ||
| Q3 25 | $5.3B | $1.9B | ||
| Q2 25 | $5.2B | $1.9B | ||
| Q1 25 | $5.0B | $1.8B | ||
| Q4 24 | $4.8B | $1.7B | ||
| Q3 24 | $5.0B | $1.7B | ||
| Q2 24 | $4.8B | $1.7B | ||
| Q1 24 | $4.7B | $1.7B |
| Q4 25 | 4.13× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 4.83× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $153.2M | $174.1M |
| Free Cash FlowOCF − Capex | $126.9M | $173.9M |
| FCF MarginFCF / Revenue | 26.8% | 34.0% |
| Capex IntensityCapex / Revenue | 5.5% | 0.0% |
| Cash ConversionOCF / Net Profit | 2.00× | 1.10× |
| TTM Free Cash FlowTrailing 4 quarters | $244.0M | $750.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $153.2M | $174.1M | ||
| Q3 25 | $81.6M | $223.7M | ||
| Q2 25 | $9.5M | $286.2M | ||
| Q1 25 | $45.3M | $74.9M | ||
| Q4 24 | $156.2M | $194.0M | ||
| Q3 24 | $45.9M | $226.5M | ||
| Q2 24 | $35.7M | $213.3M | ||
| Q1 24 | $51.0M | $71.0M |
| Q4 25 | $126.9M | $173.9M | ||
| Q3 25 | $75.6M | $219.5M | ||
| Q2 25 | $3.2M | $284.4M | ||
| Q1 25 | $38.3M | $72.8M | ||
| Q4 24 | $127.2M | $193.2M | ||
| Q3 24 | $39.7M | $224.7M | ||
| Q2 24 | $28.3M | $211.6M | ||
| Q1 24 | $44.1M | $67.0M |
| Q4 25 | 26.8% | 34.0% | ||
| Q3 25 | 16.4% | 42.6% | ||
| Q2 25 | 0.7% | 53.0% | ||
| Q1 25 | 9.7% | 14.6% | ||
| Q4 24 | 47.9% | 43.9% | ||
| Q3 24 | 10.8% | 49.5% | ||
| Q2 24 | 8.0% | 47.2% | ||
| Q1 24 | 13.4% | 15.4% |
| Q4 25 | 5.5% | 0.0% | ||
| Q3 25 | 1.3% | 0.8% | ||
| Q2 25 | 1.4% | 0.3% | ||
| Q1 25 | 1.8% | 0.4% | ||
| Q4 24 | 10.9% | 0.2% | ||
| Q3 24 | 1.7% | 0.4% | ||
| Q2 24 | 2.1% | 0.4% | ||
| Q1 24 | 2.1% | 0.9% |
| Q4 25 | 2.00× | 1.10× | ||
| Q3 25 | 1.09× | 1.44× | ||
| Q2 25 | 0.16× | 1.57× | ||
| Q1 25 | 0.97× | 0.46× | ||
| Q4 24 | — | 1.27× | ||
| Q3 24 | 1.50× | 1.67× | ||
| Q2 24 | 1.11× | 1.69× | ||
| Q1 24 | 2.19× | 0.55× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ECPG
Segment breakdown not available.
FICO
| Business To Business Scores | $248.6M | 49% |
| Saa S Products | $115.7M | 23% |
| Platform Software | $73.9M | 14% |
| Business To Consumer Scores | $55.9M | 11% |
| Technology Service | $19.2M | 4% |
