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Side-by-side financial comparison of ENCORE CAPITAL GROUP INC (ECPG) and LCI INDUSTRIES (LCII). Click either name above to swap in a different company.
LCI INDUSTRIES is the larger business by last-quarter revenue ($932.7M vs $473.6M, roughly 2.0× ENCORE CAPITAL GROUP INC). ENCORE CAPITAL GROUP INC runs the higher net margin — 16.2% vs 2.0%, a 14.2% gap on every dollar of revenue. On growth, ENCORE CAPITAL GROUP INC posted the faster year-over-year revenue change (78.3% vs 16.1%). ENCORE CAPITAL GROUP INC produced more free cash flow last quarter ($126.9M vs $64.3M). Over the past eight quarters, ENCORE CAPITAL GROUP INC's revenue compounded faster (20.1% CAGR vs -1.8%).
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.
Lucky Core Industries Limited, formerly known as ICI Pakistan, is a Pakistani conglomerate company headquartered in Karachi. It manufactures polyester, pharmaceutical, agrochemical, soda ash, and veterinary medicine.
ECPG vs LCII — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $473.6M | $932.7M |
| Net Profit | $76.7M | $18.7M |
| Gross Margin | — | 22.1% |
| Operating Margin | 36.6% | 3.8% |
| Net Margin | 16.2% | 2.0% |
| Revenue YoY | 78.3% | 16.1% |
| Net Profit YoY | — | 95.7% |
| EPS (diluted) | $3.32 | $0.79 |
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 | $932.7M | ||
| Q3 25 | $460.4M | $1.0B | ||
| Q2 25 | $442.1M | $1.1B | ||
| Q1 25 | $392.8M | $1.0B | ||
| Q4 24 | $265.6M | $803.1M | ||
| Q3 24 | $367.1M | $915.5M | ||
| Q2 24 | $355.3M | $1.1B | ||
| Q1 24 | $328.4M | $968.0M |
| Q4 25 | $76.7M | $18.7M | ||
| Q3 25 | $74.7M | $62.5M | ||
| Q2 25 | $58.7M | $57.6M | ||
| Q1 25 | $46.8M | $49.4M | ||
| Q4 24 | — | $9.5M | ||
| Q3 24 | $30.6M | $35.6M | ||
| Q2 24 | $32.2M | $61.2M | ||
| Q1 24 | $23.2M | $36.5M |
| Q4 25 | — | 22.1% | ||
| Q3 25 | — | 24.4% | ||
| Q2 25 | — | 24.4% | ||
| Q1 25 | — | 24.1% | ||
| Q4 24 | — | 21.1% | ||
| Q3 24 | — | 24.0% | ||
| Q2 24 | — | 25.3% | ||
| Q1 24 | — | 23.1% |
| Q4 25 | 36.6% | 3.8% | ||
| Q3 25 | 37.6% | 7.3% | ||
| Q2 25 | 34.1% | 7.9% | ||
| Q1 25 | 32.9% | 7.8% | ||
| Q4 24 | — | 2.0% | ||
| Q3 24 | 28.9% | 5.9% | ||
| Q2 24 | 28.7% | 8.6% | ||
| Q1 24 | 25.5% | 6.0% |
| Q4 25 | 16.2% | 2.0% | ||
| Q3 25 | 16.2% | 6.0% | ||
| Q2 25 | 13.3% | 5.2% | ||
| Q1 25 | 11.9% | 4.7% | ||
| Q4 24 | — | 1.2% | ||
| Q3 24 | 8.3% | 3.9% | ||
| Q2 24 | 9.1% | 5.8% | ||
| Q1 24 | 7.1% | 3.8% |
| Q4 25 | $3.32 | $0.79 | ||
| Q3 25 | $3.17 | $2.55 | ||
| Q2 25 | $2.49 | $2.29 | ||
| Q1 25 | $1.93 | $1.94 | ||
| Q4 24 | — | $0.37 | ||
| Q3 24 | $1.26 | $1.39 | ||
| Q2 24 | $1.34 | $2.40 | ||
| Q1 24 | $0.95 | $1.44 |
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 | $222.6M |
| Total DebtLower is stronger | $4.0B | $945.2M |
| Stockholders' EquityBook value | $976.8M | $1.4B |
| Total Assets | $5.3B | $3.2B |
| Debt / EquityLower = less leverage | 4.13× | 0.69× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $156.8M | $222.6M | ||
| Q3 25 | $172.5M | $199.7M | ||
| Q2 25 | $172.9M | $191.9M | ||
| Q1 25 | $187.1M | $231.2M | ||
| Q4 24 | $199.9M | $165.8M | ||
| Q3 24 | $247.4M | $161.2M | ||
| Q2 24 | $250.6M | $130.4M | ||
| Q1 24 | $173.0M | $22.6M |
| Q4 25 | $4.0B | $945.2M | ||
| Q3 25 | — | $947.8M | ||
| Q2 25 | — | $948.0M | ||
| Q1 25 | — | $938.3M | ||
| Q4 24 | $3.7B | $757.3M | ||
| Q3 24 | — | $822.5M | ||
| Q2 24 | — | $829.7M | ||
| Q1 24 | — | $855.3M |
| Q4 25 | $976.8M | $1.4B | ||
| Q3 25 | $952.9M | $1.4B | ||
| Q2 25 | $896.0M | $1.4B | ||
| Q1 25 | $819.1M | $1.4B | ||
| Q4 24 | $767.3M | $1.4B | ||
| Q3 24 | $1.0B | $1.4B | ||
| Q2 24 | $988.1M | $1.4B | ||
| Q1 24 | $953.9M | $1.4B |
| Q4 25 | $5.3B | $3.2B | ||
| Q3 25 | $5.3B | $3.2B | ||
| Q2 25 | $5.2B | $3.2B | ||
| Q1 25 | $5.0B | $3.1B | ||
| Q4 24 | $4.8B | $2.9B | ||
| Q3 24 | $5.0B | $3.0B | ||
| Q2 24 | $4.8B | $3.0B | ||
| Q1 24 | $4.7B | $3.0B |
| Q4 25 | 4.13× | 0.69× | ||
| Q3 25 | — | 0.70× | ||
| Q2 25 | — | 0.68× | ||
| Q1 25 | — | 0.69× | ||
| Q4 24 | 4.83× | 0.55× | ||
| Q3 24 | — | 0.58× | ||
| Q2 24 | — | 0.60× | ||
| Q1 24 | — | 0.63× |
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 | $78.9M |
| Free Cash FlowOCF − Capex | $126.9M | $64.3M |
| FCF MarginFCF / Revenue | 26.8% | 6.9% |
| Capex IntensityCapex / Revenue | 5.5% | 1.6% |
| Cash ConversionOCF / Net Profit | 2.00× | 4.22× |
| TTM Free Cash FlowTrailing 4 quarters | $244.0M | $278.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $153.2M | $78.9M | ||
| Q3 25 | $81.6M | $97.2M | ||
| Q2 25 | $9.5M | $112.2M | ||
| Q1 25 | $45.3M | $42.7M | ||
| Q4 24 | $156.2M | $106.6M | ||
| Q3 24 | $45.9M | $78.4M | ||
| Q2 24 | $35.7M | $192.9M | ||
| Q1 24 | $51.0M | $-7.7M |
| Q4 25 | $126.9M | $64.3M | ||
| Q3 25 | $75.6M | $80.9M | ||
| Q2 25 | $3.2M | $99.5M | ||
| Q1 25 | $38.3M | $33.7M | ||
| Q4 24 | $127.2M | $95.7M | ||
| Q3 24 | $39.7M | $68.3M | ||
| Q2 24 | $28.3M | $180.2M | ||
| Q1 24 | $44.1M | $-16.3M |
| Q4 25 | 26.8% | 6.9% | ||
| Q3 25 | 16.4% | 7.8% | ||
| Q2 25 | 0.7% | 9.0% | ||
| Q1 25 | 9.7% | 3.2% | ||
| Q4 24 | 47.9% | 11.9% | ||
| Q3 24 | 10.8% | 7.5% | ||
| Q2 24 | 8.0% | 17.1% | ||
| Q1 24 | 13.4% | -1.7% |
| Q4 25 | 5.5% | 1.6% | ||
| Q3 25 | 1.3% | 1.6% | ||
| Q2 25 | 1.4% | 1.2% | ||
| Q1 25 | 1.8% | 0.9% | ||
| Q4 24 | 10.9% | 1.4% | ||
| Q3 24 | 1.7% | 1.1% | ||
| Q2 24 | 2.1% | 1.2% | ||
| Q1 24 | 2.1% | 0.9% |
| Q4 25 | 2.00× | 4.22× | ||
| Q3 25 | 1.09× | 1.55× | ||
| Q2 25 | 0.16× | 1.95× | ||
| Q1 25 | 0.97× | 0.86× | ||
| Q4 24 | — | 11.17× | ||
| Q3 24 | 1.50× | 2.20× | ||
| Q2 24 | 1.11× | 3.15× | ||
| Q1 24 | 2.19× | -0.21× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ECPG
Segment breakdown not available.
LCII
| Travel Trailer And Fifth Wheels | $378.4M | 41% |
| Chassis Chassis Partsand Slideout Mechanisms | $206.1M | 22% |
| Furnitureand Mattresses | $120.4M | 13% |
| Appliances | $69.9M | 7% |
| Other Products | $69.1M | 7% |
| Axlesand Suspension Solutions | $62.3M | 7% |
| Motorhomes | $34.2M | 4% |
