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Side-by-side financial comparison of ENCORE CAPITAL GROUP INC (ECPG) and LifeStance Health Group, Inc. (LFST). 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 $382.2M, roughly 1.2× LifeStance Health Group, Inc.). ENCORE CAPITAL GROUP INC runs the higher net margin — 16.2% vs 3.1%, a 13.1% gap on every dollar of revenue. On growth, ENCORE CAPITAL GROUP INC posted the faster year-over-year revenue change (78.3% vs 17.4%). ENCORE CAPITAL GROUP INC produced more free cash flow last quarter ($126.9M vs $46.6M). Over the past eight quarters, ENCORE CAPITAL GROUP INC's revenue compounded faster (20.1% CAGR vs 12.8%).
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.
Lifestance Health (Lifestance) is an American outpatient behavioral health services provider. They provide their services in person and via tele-health. Their services include therapy, psychiatry, TMS, and ketamine therapies. They have landed in lawsuits multiple times over labor violations, leaking of customer information, and misleading investors.
ECPG vs LFST — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $473.6M | $382.2M |
| Net Profit | $76.7M | $11.7M |
| Gross Margin | — | — |
| Operating Margin | 36.6% | 4.7% |
| Net Margin | 16.2% | 3.1% |
| Revenue YoY | 78.3% | 17.4% |
| Net Profit YoY | — | 264.1% |
| 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 | $382.2M | ||
| Q3 25 | $460.4M | $363.8M | ||
| Q2 25 | $442.1M | $345.3M | ||
| Q1 25 | $392.8M | $333.0M | ||
| Q4 24 | $265.6M | $325.5M | ||
| Q3 24 | $367.1M | $312.7M | ||
| Q2 24 | $355.3M | $312.3M | ||
| Q1 24 | $328.4M | $300.4M |
| Q4 25 | $76.7M | $11.7M | ||
| Q3 25 | $74.7M | $1.1M | ||
| Q2 25 | $58.7M | $-3.8M | ||
| Q1 25 | $46.8M | $709.0K | ||
| Q4 24 | — | $-7.1M | ||
| Q3 24 | $30.6M | $-6.0M | ||
| Q2 24 | $32.2M | $-23.3M | ||
| Q1 24 | $23.2M | $-21.1M |
| Q4 25 | 36.6% | 4.7% | ||
| Q3 25 | 37.6% | 2.0% | ||
| Q2 25 | 34.1% | -0.9% | ||
| Q1 25 | 32.9% | 0.5% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | 28.9% | 0.0% | ||
| Q2 24 | 28.7% | -5.1% | ||
| Q1 24 | 25.5% | -5.6% |
| Q4 25 | 16.2% | 3.1% | ||
| Q3 25 | 16.2% | 0.3% | ||
| Q2 25 | 13.3% | -1.1% | ||
| Q1 25 | 11.9% | 0.2% | ||
| Q4 24 | — | -2.2% | ||
| Q3 24 | 8.3% | -1.9% | ||
| Q2 24 | 9.1% | -7.5% | ||
| Q1 24 | 7.1% | -7.0% |
| 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 | $248.6M |
| Total DebtLower is stronger | $4.0B | $282.8M |
| Stockholders' EquityBook value | $976.8M | $1.5B |
| Total Assets | $5.3B | $2.2B |
| Debt / EquityLower = less leverage | 4.13× | 0.19× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $156.8M | $248.6M | ||
| Q3 25 | $172.5M | $203.9M | ||
| Q2 25 | $172.9M | $188.9M | ||
| Q1 25 | $187.1M | $134.3M | ||
| Q4 24 | $199.9M | $154.6M | ||
| Q3 24 | $247.4M | $102.6M | ||
| Q2 24 | $250.6M | $87.0M | ||
| Q1 24 | $173.0M | $49.5M |
| Q4 25 | $4.0B | $282.8M | ||
| Q3 25 | — | $284.6M | ||
| Q2 25 | — | $286.4M | ||
| Q1 25 | — | $288.2M | ||
| Q4 24 | $3.7B | $290.0M | ||
| Q3 24 | — | $287.3M | ||
| Q2 24 | — | $288.0M | ||
| Q1 24 | — | $288.8M |
| Q4 25 | $976.8M | $1.5B | ||
| Q3 25 | $952.9M | $1.5B | ||
| Q2 25 | $896.0M | $1.5B | ||
| Q1 25 | $819.1M | $1.5B | ||
| 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 | $2.2B | ||
| Q3 25 | $5.3B | $2.1B | ||
| Q2 25 | $5.2B | $2.1B | ||
| Q1 25 | $5.0B | $2.1B | ||
| Q4 24 | $4.8B | $2.1B | ||
| Q3 24 | $5.0B | $2.1B | ||
| Q2 24 | $4.8B | $2.1B | ||
| Q1 24 | $4.7B | $2.1B |
| Q4 25 | 4.13× | 0.19× | ||
| Q3 25 | — | 0.19× | ||
| Q2 25 | — | 0.19× | ||
| Q1 25 | — | 0.20× | ||
| Q4 24 | 4.83× | 0.20× | ||
| Q3 24 | — | 0.20× | ||
| Q2 24 | — | 0.20× | ||
| Q1 24 | — | 0.20× |
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 | $57.6M |
| Free Cash FlowOCF − Capex | $126.9M | $46.6M |
| FCF MarginFCF / Revenue | 26.8% | 12.2% |
| Capex IntensityCapex / Revenue | 5.5% | 2.9% |
| Cash ConversionOCF / Net Profit | 2.00× | 4.93× |
| TTM Free Cash FlowTrailing 4 quarters | $244.0M | $110.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $153.2M | $57.6M | ||
| Q3 25 | $81.6M | $27.3M | ||
| Q2 25 | $9.5M | $64.4M | ||
| Q1 25 | $45.3M | $-3.1M | ||
| Q4 24 | $156.2M | $62.3M | ||
| Q3 24 | $45.9M | $22.7M | ||
| Q2 24 | $35.7M | $44.1M | ||
| Q1 24 | $51.0M | $-21.8M |
| Q4 25 | $126.9M | $46.6M | ||
| Q3 25 | $75.6M | $17.0M | ||
| Q2 25 | $3.2M | $56.6M | ||
| Q1 25 | $38.3M | $-10.3M | ||
| Q4 24 | $127.2M | $56.0M | ||
| Q3 24 | $39.7M | $17.7M | ||
| Q2 24 | $28.3M | $39.0M | ||
| Q1 24 | $44.1M | $-26.9M |
| Q4 25 | 26.8% | 12.2% | ||
| Q3 25 | 16.4% | 4.7% | ||
| Q2 25 | 0.7% | 16.4% | ||
| Q1 25 | 9.7% | -3.1% | ||
| Q4 24 | 47.9% | 17.2% | ||
| Q3 24 | 10.8% | 5.7% | ||
| Q2 24 | 8.0% | 12.5% | ||
| Q1 24 | 13.4% | -9.0% |
| Q4 25 | 5.5% | 2.9% | ||
| Q3 25 | 1.3% | 2.8% | ||
| Q2 25 | 1.4% | 2.2% | ||
| Q1 25 | 1.8% | 2.2% | ||
| Q4 24 | 10.9% | 1.9% | ||
| Q3 24 | 1.7% | 1.6% | ||
| Q2 24 | 2.1% | 1.6% | ||
| Q1 24 | 2.1% | 1.7% |
| Q4 25 | 2.00× | 4.93× | ||
| Q3 25 | 1.09× | 25.34× | ||
| Q2 25 | 0.16× | — | ||
| Q1 25 | 0.97× | -4.36× | ||
| 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.
