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Side-by-side financial comparison of ENCORE CAPITAL GROUP INC (ECPG) and FinVolution Group (FINV). Click either name above to swap in a different company.
FinVolution Group is the larger business by last-quarter revenue ($479.7M vs $473.6M, roughly 1.0× ENCORE CAPITAL GROUP INC). FinVolution Group runs the higher net margin — 21.2% vs 16.2%, a 5.0% gap on every dollar of revenue. ENCORE CAPITAL GROUP INC produced more free cash flow last quarter ($126.9M vs $70.6M).
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.
Volution Group plc is a manufacturer of ventilation equipment for commercial and residential customers. Based in Crawley, West Sussex, the company is listed on the London Stock Exchange and is a constituent of the FTSE 250 Index.
ECPG vs FINV — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2025
| Metric | | |
|---|---|---|
| Revenue | $473.6M | $479.7M |
| Net Profit | $76.7M | $101.7M |
| Gross Margin | — | — |
| Operating Margin | 36.6% | 44.6% |
| Net Margin | 16.2% | 21.2% |
| Revenue YoY | 78.3% | — |
| Net Profit YoY | — | — |
| EPS (diluted) | $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 | $460.4M | — | ||
| Q2 25 | $442.1M | — | ||
| Q1 25 | $392.8M | $479.7M | ||
| Q4 24 | $265.6M | — | ||
| Q3 24 | $367.1M | — | ||
| Q2 24 | $355.3M | — | ||
| Q1 24 | $328.4M | — |
| Q4 25 | $76.7M | — | ||
| Q3 25 | $74.7M | — | ||
| Q2 25 | $58.7M | — | ||
| Q1 25 | $46.8M | $101.7M | ||
| Q4 24 | — | — | ||
| Q3 24 | $30.6M | — | ||
| Q2 24 | $32.2M | — | ||
| Q1 24 | $23.2M | — |
| Q4 25 | 36.6% | — | ||
| Q3 25 | 37.6% | — | ||
| Q2 25 | 34.1% | — | ||
| Q1 25 | 32.9% | 44.6% | ||
| Q4 24 | — | — | ||
| Q3 24 | 28.9% | — | ||
| Q2 24 | 28.7% | — | ||
| Q1 24 | 25.5% | — |
| Q4 25 | 16.2% | — | ||
| Q3 25 | 16.2% | — | ||
| Q2 25 | 13.3% | — | ||
| Q1 25 | 11.9% | 21.2% | ||
| Q4 24 | — | — | ||
| Q3 24 | 8.3% | — | ||
| Q2 24 | 9.1% | — | ||
| Q1 24 | 7.1% | — |
| Q4 25 | $3.32 | — | ||
| Q3 25 | $3.17 | — | ||
| Q2 25 | $2.49 | — | ||
| Q1 25 | $1.93 | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $1.26 | — | ||
| Q2 24 | $1.34 | — | ||
| Q1 24 | $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 | $156.8M | $745.0M |
| Total DebtLower is stronger | $4.0B | — |
| Stockholders' EquityBook value | $976.8M | — |
| Total Assets | $5.3B | $3.4B |
| Debt / EquityLower = less leverage | 4.13× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $156.8M | — | ||
| Q3 25 | $172.5M | — | ||
| Q2 25 | $172.9M | — | ||
| Q1 25 | $187.1M | $745.0M | ||
| Q4 24 | $199.9M | — | ||
| Q3 24 | $247.4M | — | ||
| Q2 24 | $250.6M | — | ||
| Q1 24 | $173.0M | — |
| Q4 25 | $4.0B | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $3.7B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $976.8M | — | ||
| Q3 25 | $952.9M | — | ||
| Q2 25 | $896.0M | — | ||
| Q1 25 | $819.1M | — | ||
| Q4 24 | $767.3M | — | ||
| Q3 24 | $1.0B | — | ||
| Q2 24 | $988.1M | — | ||
| Q1 24 | $953.9M | — |
| Q4 25 | $5.3B | — | ||
| Q3 25 | $5.3B | — | ||
| Q2 25 | $5.2B | — | ||
| Q1 25 | $5.0B | $3.4B | ||
| Q4 24 | $4.8B | — | ||
| Q3 24 | $5.0B | — | ||
| Q2 24 | $4.8B | — | ||
| Q1 24 | $4.7B | — |
| 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 | $72.0M |
| Free Cash FlowOCF − Capex | $126.9M | $70.6M |
| FCF MarginFCF / Revenue | 26.8% | 14.7% |
| Capex IntensityCapex / Revenue | 5.5% | 0.3% |
| Cash ConversionOCF / Net Profit | 2.00× | 0.71× |
| TTM Free Cash FlowTrailing 4 quarters | $244.0M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $153.2M | — | ||
| Q3 25 | $81.6M | — | ||
| Q2 25 | $9.5M | — | ||
| Q1 25 | $45.3M | $72.0M | ||
| Q4 24 | $156.2M | — | ||
| Q3 24 | $45.9M | — | ||
| Q2 24 | $35.7M | — | ||
| Q1 24 | $51.0M | — |
| Q4 25 | $126.9M | — | ||
| Q3 25 | $75.6M | — | ||
| Q2 25 | $3.2M | — | ||
| Q1 25 | $38.3M | $70.6M | ||
| 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% | 14.7% | ||
| 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% | 0.3% | ||
| 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 | 0.16× | — | ||
| Q1 25 | 0.97× | 0.71× | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.50× | — | ||
| Q2 24 | 1.11× | — | ||
| Q1 24 | 2.19× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
