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Side-by-side financial comparison of ENCORE CAPITAL GROUP INC (ECPG) and Installed Building Products, Inc. (IBP). Click either name above to swap in a different company.
Installed Building Products, Inc. is the larger business by last-quarter revenue ($747.5M vs $473.6M, roughly 1.6× ENCORE CAPITAL GROUP INC). ENCORE CAPITAL GROUP INC runs the higher net margin — 16.2% vs 10.2%, a 5.9% gap on every dollar of revenue. On growth, ENCORE CAPITAL GROUP INC posted the faster year-over-year revenue change (78.3% vs -0.4%). ENCORE CAPITAL GROUP INC produced more free cash flow last quarter ($126.9M vs $49.3M). Over the past eight quarters, ENCORE CAPITAL GROUP INC's revenue compounded faster (20.1% CAGR vs 3.9%).
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.
Installed Building Products, Inc. is a leading US-based provider of professional installation services for building products. Core offerings include insulation, gutters, garage doors, fire protection systems and window treatments, serving residential new construction, repair & remodel, and commercial construction segments across most US regions.
ECPG vs IBP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $473.6M | $747.5M |
| Net Profit | $76.7M | $76.6M |
| Gross Margin | — | 35.0% |
| Operating Margin | 36.6% | 14.6% |
| Net Margin | 16.2% | 10.2% |
| Revenue YoY | 78.3% | -0.4% |
| Net Profit YoY | — | 14.5% |
| EPS (diluted) | $3.32 | $2.81 |
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 | $747.5M | ||
| Q3 25 | $460.4M | $778.2M | ||
| Q2 25 | $442.1M | $760.3M | ||
| Q1 25 | $392.8M | $684.8M | ||
| Q4 24 | $265.6M | $750.2M | ||
| Q3 24 | $367.1M | $760.6M | ||
| Q2 24 | $355.3M | $737.6M | ||
| Q1 24 | $328.4M | $692.9M |
| Q4 25 | $76.7M | $76.6M | ||
| Q3 25 | $74.7M | $74.4M | ||
| Q2 25 | $58.7M | $69.0M | ||
| Q1 25 | $46.8M | $45.4M | ||
| Q4 24 | — | $66.9M | ||
| Q3 24 | $30.6M | $68.6M | ||
| Q2 24 | $32.2M | $65.2M | ||
| Q1 24 | $23.2M | $55.9M |
| Q4 25 | — | 35.0% | ||
| Q3 25 | — | 34.0% | ||
| Q2 25 | — | 34.2% | ||
| Q1 25 | — | 32.7% | ||
| Q4 24 | — | 33.6% | ||
| Q3 24 | — | 33.8% | ||
| Q2 24 | — | 34.1% | ||
| Q1 24 | — | 33.8% |
| Q4 25 | 36.6% | 14.6% | ||
| Q3 25 | 37.6% | 13.7% | ||
| Q2 25 | 34.1% | 13.3% | ||
| Q1 25 | 32.9% | 10.2% | ||
| Q4 24 | — | 13.1% | ||
| Q3 24 | 28.9% | 13.3% | ||
| Q2 24 | 28.7% | 12.9% | ||
| Q1 24 | 25.5% | 12.7% |
| Q4 25 | 16.2% | 10.2% | ||
| Q3 25 | 16.2% | 9.6% | ||
| Q2 25 | 13.3% | 9.1% | ||
| Q1 25 | 11.9% | 6.6% | ||
| Q4 24 | — | 8.9% | ||
| Q3 24 | 8.3% | 9.0% | ||
| Q2 24 | 9.1% | 8.8% | ||
| Q1 24 | 7.1% | 8.1% |
| Q4 25 | $3.32 | $2.81 | ||
| Q3 25 | $3.17 | $2.74 | ||
| Q2 25 | $2.49 | $2.52 | ||
| Q1 25 | $1.93 | $1.64 | ||
| Q4 24 | — | $2.39 | ||
| Q3 24 | $1.26 | $2.44 | ||
| Q2 24 | $1.34 | $2.30 | ||
| Q1 24 | $0.95 | $1.97 |
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 | $321.9M |
| Total DebtLower is stronger | $4.0B | $886.6M |
| Stockholders' EquityBook value | $976.8M | $709.9M |
| Total Assets | $5.3B | $2.1B |
| Debt / EquityLower = less leverage | 4.13× | 1.25× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $156.8M | $321.9M | ||
| Q3 25 | $172.5M | $333.3M | ||
| Q2 25 | $172.9M | $305.2M | ||
| Q1 25 | $187.1M | $298.7M | ||
| Q4 24 | $199.9M | $327.6M | ||
| Q3 24 | $247.4M | $406.2M | ||
| Q2 24 | $250.6M | $380.3M | ||
| Q1 24 | $173.0M | $399.9M |
| Q4 25 | $4.0B | $886.6M | ||
| Q3 25 | — | $880.8M | ||
| Q2 25 | — | $876.1M | ||
| Q1 25 | — | $872.4M | ||
| Q4 24 | $3.7B | $874.8M | ||
| Q3 24 | — | $872.3M | ||
| Q2 24 | — | $875.8M | ||
| Q1 24 | — | $875.0M |
| Q4 25 | $976.8M | $709.9M | ||
| Q3 25 | $952.9M | $678.6M | ||
| Q2 25 | $896.0M | $664.5M | ||
| Q1 25 | $819.1M | $660.9M | ||
| Q4 24 | $767.3M | $705.3M | ||
| Q3 24 | $1.0B | $716.4M | ||
| Q2 24 | $988.1M | $685.3M | ||
| Q1 24 | $953.9M | $679.2M |
| Q4 25 | $5.3B | $2.1B | ||
| Q3 25 | $5.3B | $2.1B | ||
| Q2 25 | $5.2B | $2.0B | ||
| Q1 25 | $5.0B | $2.0B | ||
| Q4 24 | $4.8B | $2.1B | ||
| Q3 24 | $5.0B | $2.1B | ||
| Q2 24 | $4.8B | $2.0B | ||
| Q1 24 | $4.7B | $2.0B |
| Q4 25 | 4.13× | 1.25× | ||
| Q3 25 | — | 1.30× | ||
| Q2 25 | — | 1.32× | ||
| Q1 25 | — | 1.32× | ||
| Q4 24 | 4.83× | 1.24× | ||
| Q3 24 | — | 1.22× | ||
| Q2 24 | — | 1.28× | ||
| Q1 24 | — | 1.29× |
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 | $64.9M |
| Free Cash FlowOCF − Capex | $126.9M | $49.3M |
| FCF MarginFCF / Revenue | 26.8% | 6.6% |
| Capex IntensityCapex / Revenue | 5.5% | 2.1% |
| Cash ConversionOCF / Net Profit | 2.00× | 0.85× |
| TTM Free Cash FlowTrailing 4 quarters | $244.0M | $300.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $153.2M | $64.9M | ||
| Q3 25 | $81.6M | $124.0M | ||
| Q2 25 | $9.5M | $90.4M | ||
| Q1 25 | $45.3M | $92.1M | ||
| Q4 24 | $156.2M | $74.8M | ||
| Q3 24 | $45.9M | $101.4M | ||
| Q2 24 | $35.7M | $79.0M | ||
| Q1 24 | $51.0M | $84.8M |
| Q4 25 | $126.9M | $49.3M | ||
| Q3 25 | $75.6M | $104.8M | ||
| Q2 25 | $3.2M | $74.8M | ||
| Q1 25 | $38.3M | $71.9M | ||
| Q4 24 | $127.2M | $52.9M | ||
| Q3 24 | $39.7M | $77.3M | ||
| Q2 24 | $28.3M | $58.2M | ||
| Q1 24 | $44.1M | $63.0M |
| Q4 25 | 26.8% | 6.6% | ||
| Q3 25 | 16.4% | 13.5% | ||
| Q2 25 | 0.7% | 9.8% | ||
| Q1 25 | 9.7% | 10.5% | ||
| Q4 24 | 47.9% | 7.1% | ||
| Q3 24 | 10.8% | 10.2% | ||
| Q2 24 | 8.0% | 7.9% | ||
| Q1 24 | 13.4% | 9.1% |
| Q4 25 | 5.5% | 2.1% | ||
| Q3 25 | 1.3% | 2.5% | ||
| Q2 25 | 1.4% | 2.1% | ||
| Q1 25 | 1.8% | 2.9% | ||
| Q4 24 | 10.9% | 2.9% | ||
| Q3 24 | 1.7% | 3.2% | ||
| Q2 24 | 2.1% | 2.8% | ||
| Q1 24 | 2.1% | 3.1% |
| Q4 25 | 2.00× | 0.85× | ||
| Q3 25 | 1.09× | 1.67× | ||
| Q2 25 | 0.16× | 1.31× | ||
| Q1 25 | 0.97× | 2.03× | ||
| Q4 24 | — | 1.12× | ||
| Q3 24 | 1.50× | 1.48× | ||
| Q2 24 | 1.11× | 1.21× | ||
| Q1 24 | 2.19× | 1.52× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ECPG
Segment breakdown not available.
IBP
| Residential New Construction | $488.6M | 65% |
| Other Customer Installation | $67.8M | 9% |
| Shower Doors Shelving And Mirrors | $53.5M | 7% |
| Other Building Products | $47.7M | 6% |
| Fireproofing And Firestopping | $37.6M | 5% |
| Rain Gutters | $31.3M | 4% |
| Window Blinds | $18.0M | 2% |
| Related Party | $6.7M | 1% |
