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Side-by-side financial comparison of ENCORE CAPITAL GROUP INC (ECPG) and Life Time Group Holdings, Inc. (LTH). Click either name above to swap in a different company.
Life Time Group Holdings, Inc. is the larger business by last-quarter revenue ($788.7M vs $473.6M, roughly 1.7× ENCORE CAPITAL GROUP INC). ENCORE CAPITAL GROUP INC runs the higher net margin — 16.2% vs 11.2%, a 5.0% gap on every dollar of revenue. On growth, ENCORE CAPITAL GROUP INC posted the faster year-over-year revenue change (78.3% vs 11.7%). ENCORE CAPITAL GROUP INC produced more free cash flow last quarter ($126.9M vs $-61.2M). Over the past eight quarters, ENCORE CAPITAL GROUP INC's revenue compounded faster (20.1% CAGR vs 8.7%).
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.
Life Time Group Holdings, Inc. operates a network of premium athletic, fitness and wellness destinations across the United States. It offers diverse services including state-of-the-art gym facilities, group exercise classes, personal training, spa treatments, nutrition coaching, youth programs and co-working spaces for consumers pursuing holistic healthy lifestyles.
ECPG vs LTH — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $473.6M | $788.7M |
| Net Profit | $76.7M | $88.1M |
| Gross Margin | — | — |
| Operating Margin | 36.6% | 17.1% |
| Net Margin | 16.2% | 11.2% |
| Revenue YoY | 78.3% | 11.7% |
| Net Profit YoY | — | 15.8% |
| EPS (diluted) | $3.32 | $0.39 |
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.
| Q1 26 | — | $788.7M | ||
| Q4 25 | $473.6M | $745.1M | ||
| Q3 25 | $460.4M | $782.6M | ||
| Q2 25 | $442.1M | $761.5M | ||
| Q1 25 | $392.8M | $706.0M | ||
| Q4 24 | $265.6M | $663.3M | ||
| Q3 24 | $367.1M | $693.2M | ||
| Q2 24 | $355.3M | $667.8M |
| Q1 26 | — | $88.1M | ||
| Q4 25 | $76.7M | $123.0M | ||
| Q3 25 | $74.7M | $102.4M | ||
| Q2 25 | $58.7M | $72.1M | ||
| Q1 25 | $46.8M | $76.1M | ||
| Q4 24 | — | $37.2M | ||
| Q3 24 | $30.6M | $41.4M | ||
| Q2 24 | $32.2M | $52.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | 49.1% | ||
| Q3 25 | — | 47.1% | ||
| Q2 25 | — | 47.0% | ||
| Q1 25 | — | 47.5% | ||
| Q4 24 | — | 48.2% | ||
| Q3 24 | — | 46.5% | ||
| Q2 24 | — | 46.8% |
| Q1 26 | — | 17.1% | ||
| Q4 25 | 36.6% | 17.4% | ||
| Q3 25 | 37.6% | 17.3% | ||
| Q2 25 | 34.1% | 14.2% | ||
| Q1 25 | 32.9% | 15.2% | ||
| Q4 24 | — | 13.1% | ||
| Q3 24 | 28.9% | 13.5% | ||
| Q2 24 | 28.7% | 15.7% |
| Q1 26 | — | 11.2% | ||
| Q4 25 | 16.2% | 16.5% | ||
| Q3 25 | 16.2% | 13.1% | ||
| Q2 25 | 13.3% | 9.5% | ||
| Q1 25 | 11.9% | 10.8% | ||
| Q4 24 | — | 5.6% | ||
| Q3 24 | 8.3% | 6.0% | ||
| Q2 24 | 9.1% | 7.9% |
| Q1 26 | — | $0.39 | ||
| Q4 25 | $3.32 | $0.55 | ||
| Q3 25 | $3.17 | $0.45 | ||
| Q2 25 | $2.49 | $0.32 | ||
| Q1 25 | $1.93 | $0.34 | ||
| Q4 24 | — | $0.17 | ||
| Q3 24 | $1.26 | $0.19 | ||
| Q2 24 | $1.34 | $0.26 |
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 | $120.0M |
| Total DebtLower is stronger | $4.0B | $1.5B |
| Stockholders' EquityBook value | $976.8M | $3.2B |
| Total Assets | $5.3B | $8.1B |
| Debt / EquityLower = less leverage | 4.13× | 0.46× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $120.0M | ||
| Q4 25 | $156.8M | $204.8M | ||
| Q3 25 | $172.5M | $218.9M | ||
| Q2 25 | $172.9M | $175.5M | ||
| Q1 25 | $187.1M | $59.0M | ||
| Q4 24 | $199.9M | $10.9M | ||
| Q3 24 | $247.4M | $120.9M | ||
| Q2 24 | $250.6M | $34.5M |
| Q1 26 | — | $1.5B | ||
| Q4 25 | $4.0B | $1.5B | ||
| Q3 25 | — | $1.5B | ||
| Q2 25 | — | $1.5B | ||
| Q1 25 | — | $1.5B | ||
| Q4 24 | $3.7B | $1.5B | ||
| Q3 24 | — | $1.7B | ||
| Q2 24 | — | $1.8B |
| Q1 26 | — | $3.2B | ||
| Q4 25 | $976.8M | $3.1B | ||
| Q3 25 | $952.9M | $3.0B | ||
| Q2 25 | $896.0M | $2.9B | ||
| Q1 25 | $819.1M | $2.7B | ||
| Q4 24 | $767.3M | $2.6B | ||
| Q3 24 | $1.0B | $2.6B | ||
| Q2 24 | $988.1M | $2.4B |
| Q1 26 | — | $8.1B | ||
| Q4 25 | $5.3B | $8.0B | ||
| Q3 25 | $5.3B | $7.8B | ||
| Q2 25 | $5.2B | $7.6B | ||
| Q1 25 | $5.0B | $7.3B | ||
| Q4 24 | $4.8B | $7.2B | ||
| Q3 24 | $5.0B | $7.2B | ||
| Q2 24 | $4.8B | $7.1B |
| Q1 26 | — | 0.46× | ||
| Q4 25 | 4.13× | 0.48× | ||
| Q3 25 | — | 0.51× | ||
| Q2 25 | — | 0.53× | ||
| Q1 25 | — | 0.56× | ||
| Q4 24 | 4.83× | 0.59× | ||
| Q3 24 | — | 0.64× | ||
| Q2 24 | — | 0.78× |
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 | $198.8M |
| Free Cash FlowOCF − Capex | $126.9M | $-61.2M |
| FCF MarginFCF / Revenue | 26.8% | -7.8% |
| Capex IntensityCapex / Revenue | 5.5% | 26.0% |
| Cash ConversionOCF / Net Profit | 2.00× | 2.26× |
| TTM Free Cash FlowTrailing 4 quarters | $244.0M | $-123.6M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $198.8M | ||
| Q4 25 | $153.2M | $239.9M | ||
| Q3 25 | $81.6M | $251.1M | ||
| Q2 25 | $9.5M | $195.7M | ||
| Q1 25 | $45.3M | $183.9M | ||
| Q4 24 | $156.2M | $163.1M | ||
| Q3 24 | $45.9M | $151.1M | ||
| Q2 24 | $35.7M | $170.4M |
| Q1 26 | — | $-61.2M | ||
| Q4 25 | $126.9M | $-64.6M | ||
| Q3 25 | $75.6M | $28.6M | ||
| Q2 25 | $3.2M | $-26.3M | ||
| Q1 25 | $38.3M | $41.4M | ||
| Q4 24 | $127.2M | $26.8M | ||
| Q3 24 | $39.7M | $64.0M | ||
| Q2 24 | $28.3M | $26.1M |
| Q1 26 | — | -7.8% | ||
| Q4 25 | 26.8% | -8.7% | ||
| Q3 25 | 16.4% | 3.7% | ||
| Q2 25 | 0.7% | -3.5% | ||
| Q1 25 | 9.7% | 5.9% | ||
| Q4 24 | 47.9% | 4.0% | ||
| Q3 24 | 10.8% | 9.2% | ||
| Q2 24 | 8.0% | 3.9% |
| Q1 26 | — | 26.0% | ||
| Q4 25 | 5.5% | 40.9% | ||
| Q3 25 | 1.3% | 28.4% | ||
| Q2 25 | 1.4% | 29.2% | ||
| Q1 25 | 1.8% | 20.2% | ||
| Q4 24 | 10.9% | 20.6% | ||
| Q3 24 | 1.7% | 12.6% | ||
| Q2 24 | 2.1% | 21.6% |
| Q1 26 | — | 2.26× | ||
| Q4 25 | 2.00× | 1.95× | ||
| Q3 25 | 1.09× | 2.45× | ||
| Q2 25 | 0.16× | 2.71× | ||
| Q1 25 | 0.97× | 2.41× | ||
| Q4 24 | — | 4.39× | ||
| Q3 24 | 1.50× | 3.65× | ||
| Q2 24 | 1.11× | 3.23× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ECPG
Segment breakdown not available.
LTH
| Center revenue | $767.6M | 97% |
| Other revenue | $21.1M | 3% |
