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Side-by-side financial comparison of ENCORE CAPITAL GROUP INC (ECPG) and IDACORP INC (IDA). 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 $360.1M, roughly 1.3× IDACORP INC). ENCORE CAPITAL GROUP INC runs the higher net margin — 16.2% vs 12.1%, a 4.1% gap on every dollar of revenue. On growth, ENCORE CAPITAL GROUP INC posted the faster year-over-year revenue change (78.3% vs -4.2%). ENCORE CAPITAL GROUP INC produced more free cash flow last quarter ($126.9M vs $-216.2M). Over the past eight quarters, ENCORE CAPITAL GROUP INC's revenue compounded faster (20.1% CAGR vs -7.2%).
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.
IDACORP, Inc is an electricity holding company, incorporated in Idaho with headquarters in Boise. It comprises Idaho Power Company, IDACORP Financial and Ida-West Energy. It was formed on October 1, 1998.
ECPG vs IDA — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $473.6M | $360.1M |
| Net Profit | $76.7M | $43.6M |
| Gross Margin | — | — |
| Operating Margin | 36.6% | 14.9% |
| Net Margin | 16.2% | 12.1% |
| Revenue YoY | 78.3% | -4.2% |
| Net Profit YoY | — | 15.1% |
| EPS (diluted) | $3.32 | $0.78 |
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 | $360.1M | ||
| Q3 25 | $460.4M | $526.4M | ||
| Q2 25 | $442.1M | $449.3M | ||
| Q1 25 | $392.8M | $411.1M | ||
| Q4 24 | $265.6M | $375.9M | ||
| Q3 24 | $367.1M | $532.5M | ||
| Q2 24 | $355.3M | $442.6M | ||
| Q1 24 | $328.4M | $417.9M |
| Q4 25 | $76.7M | $43.6M | ||
| Q3 25 | $74.7M | $124.4M | ||
| Q2 25 | $58.7M | $95.8M | ||
| Q1 25 | $46.8M | $59.6M | ||
| Q4 24 | — | $37.9M | ||
| Q3 24 | $30.6M | $113.6M | ||
| Q2 24 | $32.2M | $89.5M | ||
| Q1 24 | $23.2M | $48.2M |
| Q4 25 | 36.6% | 14.9% | ||
| Q3 25 | 37.6% | 27.5% | ||
| Q2 25 | 34.1% | 22.4% | ||
| Q1 25 | 32.9% | 13.4% | ||
| Q4 24 | — | 11.0% | ||
| Q3 24 | 28.9% | 25.1% | ||
| Q2 24 | 28.7% | 23.3% | ||
| Q1 24 | 25.5% | 11.9% |
| Q4 25 | 16.2% | 12.1% | ||
| Q3 25 | 16.2% | 23.6% | ||
| Q2 25 | 13.3% | 21.3% | ||
| Q1 25 | 11.9% | 14.5% | ||
| Q4 24 | — | 10.1% | ||
| Q3 24 | 8.3% | 21.3% | ||
| Q2 24 | 9.1% | 20.2% | ||
| Q1 24 | 7.1% | 11.5% |
| Q4 25 | $3.32 | $0.78 | ||
| Q3 25 | $3.17 | $2.26 | ||
| Q2 25 | $2.49 | $1.76 | ||
| Q1 25 | $1.93 | $1.10 | ||
| Q4 24 | — | $0.72 | ||
| Q3 24 | $1.26 | $2.12 | ||
| Q2 24 | $1.34 | $1.71 | ||
| Q1 24 | $0.95 | $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 | $215.7M |
| Total DebtLower is stronger | $4.0B | $3.3B |
| Stockholders' EquityBook value | $976.8M | $3.6B |
| Total Assets | $5.3B | $10.2B |
| Debt / EquityLower = less leverage | 4.13× | 0.93× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $156.8M | $215.7M | ||
| Q3 25 | $172.5M | $333.2M | ||
| Q2 25 | $172.9M | $474.5M | ||
| Q1 25 | $187.1M | $634.5M | ||
| Q4 24 | $199.9M | $368.9M | ||
| Q3 24 | $247.4M | $427.9M | ||
| Q2 24 | $250.6M | $169.6M | ||
| Q1 24 | $173.0M | $157.6M |
| Q4 25 | $4.0B | $3.3B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $3.7B | $3.1B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $976.8M | $3.6B | ||
| Q3 25 | $952.9M | $3.5B | ||
| Q2 25 | $896.0M | $3.4B | ||
| Q1 25 | $819.1M | $3.3B | ||
| Q4 24 | $767.3M | $3.3B | ||
| Q3 24 | $1.0B | $3.3B | ||
| Q2 24 | $988.1M | $3.2B | ||
| Q1 24 | $953.9M | $2.9B |
| Q4 25 | $5.3B | $10.2B | ||
| Q3 25 | $5.3B | $10.1B | ||
| Q2 25 | $5.2B | $9.9B | ||
| Q1 25 | $5.0B | $9.6B | ||
| Q4 24 | $4.8B | $9.2B | ||
| Q3 24 | $5.0B | $9.1B | ||
| Q2 24 | $4.8B | $8.7B | ||
| Q1 24 | $4.7B | $8.3B |
| Q4 25 | 4.13× | 0.93× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 4.83× | 0.92× | ||
| 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 | $137.8M |
| Free Cash FlowOCF − Capex | $126.9M | $-216.2M |
| FCF MarginFCF / Revenue | 26.8% | -60.0% |
| Capex IntensityCapex / Revenue | 5.5% | 98.3% |
| Cash ConversionOCF / Net Profit | 2.00× | 3.16× |
| TTM Free Cash FlowTrailing 4 quarters | $244.0M | $-577.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $153.2M | $137.8M | ||
| Q3 25 | $81.6M | $162.8M | ||
| Q2 25 | $9.5M | $176.9M | ||
| Q1 25 | $45.3M | $124.3M | ||
| Q4 24 | $156.2M | $136.4M | ||
| Q3 24 | $45.9M | $201.9M | ||
| Q2 24 | $35.7M | $146.4M | ||
| Q1 24 | $51.0M | $109.7M |
| Q4 25 | $126.9M | $-216.2M | ||
| Q3 25 | $75.6M | $-127.9M | ||
| Q2 25 | $3.2M | $-156.4M | ||
| Q1 25 | $38.3M | $-77.0M | ||
| Q4 24 | $127.2M | $-48.9M | ||
| Q3 24 | $39.7M | $-16.1M | ||
| Q2 24 | $28.3M | $-199.6M | ||
| Q1 24 | $44.1M | $-150.3M |
| Q4 25 | 26.8% | -60.0% | ||
| Q3 25 | 16.4% | -24.3% | ||
| Q2 25 | 0.7% | -34.8% | ||
| Q1 25 | 9.7% | -18.7% | ||
| Q4 24 | 47.9% | -13.0% | ||
| Q3 24 | 10.8% | -3.0% | ||
| Q2 24 | 8.0% | -45.1% | ||
| Q1 24 | 13.4% | -36.0% |
| Q4 25 | 5.5% | 98.3% | ||
| Q3 25 | 1.3% | 55.2% | ||
| Q2 25 | 1.4% | 74.2% | ||
| Q1 25 | 1.8% | 49.0% | ||
| Q4 24 | 10.9% | 49.3% | ||
| Q3 24 | 1.7% | 41.0% | ||
| Q2 24 | 2.1% | 78.2% | ||
| Q1 24 | 2.1% | 62.2% |
| Q4 25 | 2.00× | 3.16× | ||
| Q3 25 | 1.09× | 1.31× | ||
| Q2 25 | 0.16× | 1.85× | ||
| Q1 25 | 0.97× | 2.08× | ||
| Q4 24 | — | 3.60× | ||
| Q3 24 | 1.50× | 1.78× | ||
| Q2 24 | 1.11× | 1.63× | ||
| Q1 24 | 2.19× | 2.28× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ECPG
Segment breakdown not available.
IDA
| Retailrevenues | $323.0M | 90% |
| Transmissionserviceswheeling | $18.6M | 5% |
| Energyefficiencyprogramrevenues | $11.7M | 3% |
| Wholesaleenergysales | $10.5M | 3% |
| Otherrevenues | $9.5M | 3% |
