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Side-by-side financial comparison of ENCORE CAPITAL GROUP INC (ECPG) and MODINE MANUFACTURING CO (MOD). Click either name above to swap in a different company.
MODINE MANUFACTURING CO is the larger business by last-quarter revenue ($805.0M vs $473.6M, roughly 1.7× ENCORE CAPITAL GROUP INC). ENCORE CAPITAL GROUP INC runs the higher net margin — 16.2% vs -5.9%, a 22.1% gap on every dollar of revenue. On growth, ENCORE CAPITAL GROUP INC posted the faster year-over-year revenue change (78.3% vs 30.5%). ENCORE CAPITAL GROUP INC produced more free cash flow last quarter ($126.9M vs $-17.1M). Over the past eight quarters, ENCORE CAPITAL GROUP INC's revenue compounded faster (20.1% CAGR vs 15.5%).
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.
Modine Manufacturing is a thermal management company established in 1916 in the United States. The company started as Modine Manufacturing Company by Arthur B Modine who patented the Spirex radiator for tractors. The Modine company manufactured the Turbotube radiator for Ford Model T cars. The company built the world's first vehicular wind tunnel in Racine, Wisconsin in 1941. During WWII, Modine manufactured aftercoolers for the P-51 Mustang fighter plane. After WWII, Modine introduced the Ai...
ECPG vs MOD — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $473.6M | $805.0M |
| Net Profit | $76.7M | $-47.4M |
| Gross Margin | — | 23.1% |
| Operating Margin | 36.6% | 11.1% |
| Net Margin | 16.2% | -5.9% |
| Revenue YoY | 78.3% | 30.5% |
| Net Profit YoY | — | -215.6% |
| EPS (diluted) | $3.32 | $-0.90 |
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 | $805.0M | ||
| Q3 25 | $460.4M | $738.9M | ||
| Q2 25 | $442.1M | $682.8M | ||
| Q1 25 | $392.8M | $647.2M | ||
| Q4 24 | $265.6M | $616.8M | ||
| Q3 24 | $367.1M | $658.0M | ||
| Q2 24 | $355.3M | $661.5M | ||
| Q1 24 | $328.4M | $603.5M |
| Q4 25 | $76.7M | $-47.4M | ||
| Q3 25 | $74.7M | $44.4M | ||
| Q2 25 | $58.7M | $51.2M | ||
| Q1 25 | $46.8M | $49.6M | ||
| Q4 24 | — | $41.0M | ||
| Q3 24 | $30.6M | $46.1M | ||
| Q2 24 | $32.2M | $47.3M | ||
| Q1 24 | $23.2M | $25.8M |
| Q4 25 | — | 23.1% | ||
| Q3 25 | — | 22.3% | ||
| Q2 25 | — | 24.2% | ||
| Q1 25 | — | 25.6% | ||
| Q4 24 | — | 24.3% | ||
| Q3 24 | — | 25.2% | ||
| Q2 24 | — | 24.6% | ||
| Q1 24 | — | 22.4% |
| Q4 25 | 36.6% | 11.1% | ||
| Q3 25 | 37.6% | 9.9% | ||
| Q2 25 | 34.1% | 11.1% | ||
| Q1 25 | 32.9% | 11.5% | ||
| Q4 24 | — | 9.6% | ||
| Q3 24 | 28.9% | 11.4% | ||
| Q2 24 | 28.7% | 11.2% | ||
| Q1 24 | 25.5% | 7.8% |
| Q4 25 | 16.2% | -5.9% | ||
| Q3 25 | 16.2% | 6.0% | ||
| Q2 25 | 13.3% | 7.5% | ||
| Q1 25 | 11.9% | 7.7% | ||
| Q4 24 | — | 6.6% | ||
| Q3 24 | 8.3% | 7.0% | ||
| Q2 24 | 9.1% | 7.2% | ||
| Q1 24 | 7.1% | 4.3% |
| Q4 25 | $3.32 | $-0.90 | ||
| Q3 25 | $3.17 | $0.83 | ||
| Q2 25 | $2.49 | $0.95 | ||
| Q1 25 | $1.93 | $0.92 | ||
| Q4 24 | — | $0.76 | ||
| Q3 24 | $1.26 | $0.86 | ||
| Q2 24 | $1.34 | $0.88 | ||
| Q1 24 | $0.95 | $0.48 |
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 | $98.7M |
| Total DebtLower is stronger | $4.0B | $570.7M |
| Stockholders' EquityBook value | $976.8M | $1.1B |
| Total Assets | $5.3B | $2.5B |
| Debt / EquityLower = less leverage | 4.13× | 0.51× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $156.8M | $98.7M | ||
| Q3 25 | $172.5M | $83.8M | ||
| Q2 25 | $172.9M | $124.5M | ||
| Q1 25 | $187.1M | $71.6M | ||
| Q4 24 | $199.9M | $83.8M | ||
| Q3 24 | $247.4M | $78.6M | ||
| Q2 24 | $250.6M | $72.9M | ||
| Q1 24 | $173.0M | $60.1M |
| Q4 25 | $4.0B | $570.7M | ||
| Q3 25 | — | $525.8M | ||
| Q2 25 | — | $482.1M | ||
| Q1 25 | — | $296.7M | ||
| Q4 24 | $3.7B | $330.0M | ||
| Q3 24 | — | $359.1M | ||
| Q2 24 | — | $405.7M | ||
| Q1 24 | — | $399.9M |
| Q4 25 | $976.8M | $1.1B | ||
| Q3 25 | $952.9M | $1.1B | ||
| Q2 25 | $896.0M | $1.0B | ||
| Q1 25 | $819.1M | $910.2M | ||
| Q4 24 | $767.3M | $855.1M | ||
| Q3 24 | $1.0B | $858.8M | ||
| Q2 24 | $988.1M | $788.4M | ||
| Q1 24 | $953.9M | $747.6M |
| Q4 25 | $5.3B | $2.5B | ||
| Q3 25 | $5.3B | $2.4B | ||
| Q2 25 | $5.2B | $2.2B | ||
| Q1 25 | $5.0B | $1.9B | ||
| Q4 24 | $4.8B | $1.8B | ||
| Q3 24 | $5.0B | $1.9B | ||
| Q2 24 | $4.8B | $1.9B | ||
| Q1 24 | $4.7B | $1.9B |
| Q4 25 | 4.13× | 0.51× | ||
| Q3 25 | — | 0.50× | ||
| Q2 25 | — | 0.48× | ||
| Q1 25 | — | 0.33× | ||
| Q4 24 | 4.83× | 0.39× | ||
| Q3 24 | — | 0.42× | ||
| Q2 24 | — | 0.51× | ||
| Q1 24 | — | 0.53× |
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 | $24.7M |
| Free Cash FlowOCF − Capex | $126.9M | $-17.1M |
| FCF MarginFCF / Revenue | 26.8% | -2.1% |
| Capex IntensityCapex / Revenue | 5.5% | 5.2% |
| Cash ConversionOCF / Net Profit | 2.00× | — |
| TTM Free Cash FlowTrailing 4 quarters | $244.0M | $-20.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $153.2M | $24.7M | ||
| Q3 25 | $81.6M | $1.4M | ||
| Q2 25 | $9.5M | $27.7M | ||
| Q1 25 | $45.3M | $54.8M | ||
| Q4 24 | $156.2M | $60.7M | ||
| Q3 24 | $45.9M | $57.3M | ||
| Q2 24 | $35.7M | $40.5M | ||
| Q1 24 | $51.0M | $39.6M |
| Q4 25 | $126.9M | $-17.1M | ||
| Q3 25 | $75.6M | $-30.5M | ||
| Q2 25 | $3.2M | $200.0K | ||
| Q1 25 | $38.3M | $27.1M | ||
| Q4 24 | $127.2M | $44.7M | ||
| Q3 24 | $39.7M | $43.8M | ||
| Q2 24 | $28.3M | $13.7M | ||
| Q1 24 | $44.1M | $-4.3M |
| Q4 25 | 26.8% | -2.1% | ||
| Q3 25 | 16.4% | -4.1% | ||
| Q2 25 | 0.7% | 0.0% | ||
| Q1 25 | 9.7% | 4.2% | ||
| Q4 24 | 47.9% | 7.2% | ||
| Q3 24 | 10.8% | 6.7% | ||
| Q2 24 | 8.0% | 2.1% | ||
| Q1 24 | 13.4% | -0.7% |
| Q4 25 | 5.5% | 5.2% | ||
| Q3 25 | 1.3% | 4.3% | ||
| Q2 25 | 1.4% | 4.0% | ||
| Q1 25 | 1.8% | 4.3% | ||
| Q4 24 | 10.9% | 2.6% | ||
| Q3 24 | 1.7% | 2.1% | ||
| Q2 24 | 2.1% | 4.1% | ||
| Q1 24 | 2.1% | 7.3% |
| Q4 25 | 2.00× | — | ||
| Q3 25 | 1.09× | 0.03× | ||
| Q2 25 | 0.16× | 0.54× | ||
| Q1 25 | 0.97× | 1.10× | ||
| Q4 24 | — | 1.48× | ||
| Q3 24 | 1.50× | 1.24× | ||
| Q2 24 | 1.11× | 0.86× | ||
| Q1 24 | 2.19× | 1.53× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ECPG
Segment breakdown not available.
MOD
| Data Centers | $296.9M | 37% |
| Performance Technologies | $266.0M | 33% |
| Hvac Technologies | $107.1M | 13% |
| Air Cooled | $92.4M | 11% |
| Lb White | $25.6M | 3% |
| Climate By Design | $10.2M | 1% |
| Absolutaire | $7.0M | 1% |
