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Side-by-side financial comparison of ENCORE CAPITAL GROUP INC (ECPG) and ONESPAWORLD HOLDINGS Ltd (OSW). 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 $242.1M, roughly 2.0× ONESPAWORLD HOLDINGS Ltd). ENCORE CAPITAL GROUP INC runs the higher net margin — 16.2% vs 5.0%, a 11.2% gap on every dollar of revenue. On growth, ENCORE CAPITAL GROUP INC posted the faster year-over-year revenue change (78.3% vs 11.5%). ENCORE CAPITAL GROUP INC produced more free cash flow last quarter ($126.9M vs $14.9M). Over the past eight quarters, ENCORE CAPITAL GROUP INC's revenue compounded faster (20.1% CAGR vs 7.1%).
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.
ECPG vs OSW — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $473.6M | $242.1M |
| Net Profit | $76.7M | $12.1M |
| Gross Margin | — | — |
| Operating Margin | 36.6% | 6.8% |
| Net Margin | 16.2% | 5.0% |
| Revenue YoY | 78.3% | 11.5% |
| Net Profit YoY | — | -16.2% |
| EPS (diluted) | $3.32 | $0.12 |
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 | $242.1M | ||
| Q3 25 | $460.4M | $258.5M | ||
| Q2 25 | $442.1M | $240.7M | ||
| Q1 25 | $392.8M | $219.6M | ||
| Q4 24 | $265.6M | $217.2M | ||
| Q3 24 | $367.1M | $241.7M | ||
| Q2 24 | $355.3M | $224.9M | ||
| Q1 24 | $328.4M | $211.2M |
| Q4 25 | $76.7M | $12.1M | ||
| Q3 25 | $74.7M | $24.3M | ||
| Q2 25 | $58.7M | $19.9M | ||
| Q1 25 | $46.8M | $15.3M | ||
| Q4 24 | — | $14.4M | ||
| Q3 24 | $30.6M | $21.6M | ||
| Q2 24 | $32.2M | $15.8M | ||
| Q1 24 | $23.2M | $21.2M |
| Q4 25 | 36.6% | 6.8% | ||
| Q3 25 | 37.6% | 10.2% | ||
| Q2 25 | 34.1% | 9.2% | ||
| Q1 25 | 32.9% | 7.7% | ||
| Q4 24 | — | 7.9% | ||
| Q3 24 | 28.9% | 10.3% | ||
| Q2 24 | 28.7% | 8.4% | ||
| Q1 24 | 25.5% | 8.0% |
| Q4 25 | 16.2% | 5.0% | ||
| Q3 25 | 16.2% | 9.4% | ||
| Q2 25 | 13.3% | 8.3% | ||
| Q1 25 | 11.9% | 7.0% | ||
| Q4 24 | — | 6.6% | ||
| Q3 24 | 8.3% | 8.9% | ||
| Q2 24 | 9.1% | 7.0% | ||
| Q1 24 | 7.1% | 10.0% |
| Q4 25 | $3.32 | $0.12 | ||
| Q3 25 | $3.17 | $0.23 | ||
| Q2 25 | $2.49 | $0.19 | ||
| Q1 25 | $1.93 | $0.15 | ||
| Q4 24 | — | $0.13 | ||
| Q3 24 | $1.26 | $0.20 | ||
| Q2 24 | $1.34 | $0.15 | ||
| Q1 24 | $0.95 | $0.21 |
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 | $16.3M |
| Total DebtLower is stronger | $4.0B | $84.0M |
| Stockholders' EquityBook value | $976.8M | $542.6M |
| Total Assets | $5.3B | $707.1M |
| Debt / EquityLower = less leverage | 4.13× | 0.15× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $156.8M | $16.3M | ||
| Q3 25 | $172.5M | $29.6M | ||
| Q2 25 | $172.9M | $35.0M | ||
| Q1 25 | $187.1M | $22.6M | ||
| Q4 24 | $199.9M | $57.4M | ||
| Q3 24 | $247.4M | $48.8M | ||
| Q2 24 | $250.6M | $62.5M | ||
| Q1 24 | $173.0M | $65.4M |
| Q4 25 | $4.0B | $84.0M | ||
| Q3 25 | — | $85.2M | ||
| Q2 25 | — | $96.2M | ||
| Q1 25 | — | $97.4M | ||
| Q4 24 | $3.7B | $98.6M | ||
| Q3 24 | — | $98.7M | ||
| Q2 24 | — | $123.8M | ||
| Q1 24 | — | $138.6M |
| Q4 25 | $976.8M | $542.6M | ||
| Q3 25 | $952.9M | $552.8M | ||
| Q2 25 | $896.0M | $548.3M | ||
| Q1 25 | $819.1M | $530.6M | ||
| Q4 24 | $767.3M | $554.5M | ||
| Q3 24 | $1.0B | $540.1M | ||
| Q2 24 | $988.1M | $532.7M | ||
| Q1 24 | $953.9M | $515.5M |
| Q4 25 | $5.3B | $707.1M | ||
| Q3 25 | $5.3B | $732.6M | ||
| Q2 25 | $5.2B | $731.8M | ||
| Q1 25 | $5.0B | $708.7M | ||
| Q4 24 | $4.8B | $746.4M | ||
| Q3 24 | $5.0B | $734.0M | ||
| Q2 24 | $4.8B | $756.8M | ||
| Q1 24 | $4.7B | $763.6M |
| Q4 25 | 4.13× | 0.15× | ||
| Q3 25 | — | 0.15× | ||
| Q2 25 | — | 0.18× | ||
| Q1 25 | — | 0.18× | ||
| Q4 24 | 4.83× | 0.18× | ||
| Q3 24 | — | 0.18× | ||
| Q2 24 | — | 0.23× | ||
| Q1 24 | — | 0.27× |
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 | $20.0M |
| Free Cash FlowOCF − Capex | $126.9M | $14.9M |
| FCF MarginFCF / Revenue | 26.8% | 6.2% |
| Capex IntensityCapex / Revenue | 5.5% | 2.1% |
| Cash ConversionOCF / Net Profit | 2.00× | 1.65× |
| TTM Free Cash FlowTrailing 4 quarters | $244.0M | $68.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $153.2M | $20.0M | ||
| Q3 25 | $81.6M | $33.2M | ||
| Q2 25 | $9.5M | $20.3M | ||
| Q1 25 | $45.3M | $10.1M | ||
| Q4 24 | $156.2M | $16.6M | ||
| Q3 24 | $45.9M | $28.6M | ||
| Q2 24 | $35.7M | $18.7M | ||
| Q1 24 | $51.0M | $15.0M |
| Q4 25 | $126.9M | $14.9M | ||
| Q3 25 | $75.6M | $27.6M | ||
| Q2 25 | $3.2M | $17.6M | ||
| Q1 25 | $38.3M | $8.4M | ||
| Q4 24 | $127.2M | $13.2M | ||
| Q3 24 | $39.7M | $27.5M | ||
| Q2 24 | $28.3M | $17.6M | ||
| Q1 24 | $44.1M | $13.7M |
| Q4 25 | 26.8% | 6.2% | ||
| Q3 25 | 16.4% | 10.7% | ||
| Q2 25 | 0.7% | 7.3% | ||
| Q1 25 | 9.7% | 3.8% | ||
| Q4 24 | 47.9% | 6.1% | ||
| Q3 24 | 10.8% | 11.4% | ||
| Q2 24 | 8.0% | 7.8% | ||
| Q1 24 | 13.4% | 6.5% |
| Q4 25 | 5.5% | 2.1% | ||
| Q3 25 | 1.3% | 2.2% | ||
| Q2 25 | 1.4% | 1.1% | ||
| Q1 25 | 1.8% | 0.8% | ||
| Q4 24 | 10.9% | 1.5% | ||
| Q3 24 | 1.7% | 0.5% | ||
| Q2 24 | 2.1% | 0.5% | ||
| Q1 24 | 2.1% | 0.6% |
| Q4 25 | 2.00× | 1.65× | ||
| Q3 25 | 1.09× | 1.36× | ||
| Q2 25 | 0.16× | 1.02× | ||
| Q1 25 | 0.97× | 0.66× | ||
| Q4 24 | — | 1.15× | ||
| Q3 24 | 1.50× | 1.33× | ||
| Q2 24 | 1.11× | 1.19× | ||
| Q1 24 | 2.19× | 0.71× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ECPG
Segment breakdown not available.
OSW
| Services | $197.3M | 82% |
| Products | $44.8M | 18% |
