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Side-by-side financial comparison of ENCORE CAPITAL GROUP INC (ECPG) and PROCORE TECHNOLOGIES, INC. (PCOR). 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 $349.1M, roughly 1.4× PROCORE TECHNOLOGIES, INC.). ENCORE CAPITAL GROUP INC runs the higher net margin — 16.2% vs -10.8%, a 27.0% gap on every dollar of revenue. On growth, ENCORE CAPITAL GROUP INC posted the faster year-over-year revenue change (78.3% vs 15.6%). ENCORE CAPITAL GROUP INC produced more free cash flow last quarter ($126.9M vs $109.2M). Over the past eight quarters, ENCORE CAPITAL GROUP INC's revenue compounded faster (20.1% CAGR vs 13.8%).
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.
Procore Technologies is an American construction management software as a service company founded in 2002, with headquarters in Carpinteria, California. Procore hosts a platform to connect those involved in the construction industry on a global platform. The software allows for the creation of simplified workflows and displays a consolidated view of construction products that includes the tracking of tasks, management of project workflows, and scheduling.
ECPG vs PCOR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $473.6M | $349.1M |
| Net Profit | $76.7M | $-37.6M |
| Gross Margin | — | 80.1% |
| Operating Margin | 36.6% | -12.3% |
| Net Margin | 16.2% | -10.8% |
| Revenue YoY | 78.3% | 15.6% |
| Net Profit YoY | — | 39.6% |
| EPS (diluted) | $3.32 | $-0.25 |
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 | $349.1M | ||
| Q3 25 | $460.4M | $338.9M | ||
| Q2 25 | $442.1M | $323.9M | ||
| Q1 25 | $392.8M | $310.6M | ||
| Q4 24 | $265.6M | $302.0M | ||
| Q3 24 | $367.1M | $295.9M | ||
| Q2 24 | $355.3M | $284.3M | ||
| Q1 24 | $328.4M | $269.4M |
| Q4 25 | $76.7M | $-37.6M | ||
| Q3 25 | $74.7M | $-9.1M | ||
| Q2 25 | $58.7M | $-21.1M | ||
| Q1 25 | $46.8M | $-33.0M | ||
| Q4 24 | — | $-62.3M | ||
| Q3 24 | $30.6M | $-26.4M | ||
| Q2 24 | $32.2M | $-6.3M | ||
| Q1 24 | $23.2M | $-11.0M |
| Q4 25 | — | 80.1% | ||
| Q3 25 | — | 79.7% | ||
| Q2 25 | — | 79.1% | ||
| Q1 25 | — | 79.1% | ||
| Q4 24 | — | 81.2% | ||
| Q3 24 | — | 81.4% | ||
| Q2 24 | — | 83.1% | ||
| Q1 24 | — | 83.0% |
| Q4 25 | 36.6% | -12.3% | ||
| Q3 25 | 37.6% | -4.4% | ||
| Q2 25 | 34.1% | -9.3% | ||
| Q1 25 | 32.9% | -11.7% | ||
| Q4 24 | — | -21.9% | ||
| Q3 24 | 28.9% | -12.3% | ||
| Q2 24 | 28.7% | -5.2% | ||
| Q1 24 | 25.5% | -7.0% |
| Q4 25 | 16.2% | -10.8% | ||
| Q3 25 | 16.2% | -2.7% | ||
| Q2 25 | 13.3% | -6.5% | ||
| Q1 25 | 11.9% | -10.6% | ||
| Q4 24 | — | -20.6% | ||
| Q3 24 | 8.3% | -8.9% | ||
| Q2 24 | 9.1% | -2.2% | ||
| Q1 24 | 7.1% | -4.1% |
| Q4 25 | $3.32 | $-0.25 | ||
| Q3 25 | $3.17 | $-0.06 | ||
| Q2 25 | $2.49 | $-0.14 | ||
| Q1 25 | $1.93 | $-0.22 | ||
| Q4 24 | — | $-0.42 | ||
| Q3 24 | $1.26 | $-0.18 | ||
| Q2 24 | $1.34 | $-0.04 | ||
| Q1 24 | $0.95 | $-0.08 |
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 | $768.5M |
| Total DebtLower is stronger | $4.0B | — |
| Stockholders' EquityBook value | $976.8M | $1.3B |
| Total Assets | $5.3B | $2.2B |
| Debt / EquityLower = less leverage | 4.13× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $156.8M | $768.5M | ||
| Q3 25 | $172.5M | $684.0M | ||
| Q2 25 | $172.9M | $620.9M | ||
| Q1 25 | $187.1M | $566.7M | ||
| Q4 24 | $199.9M | $775.4M | ||
| Q3 24 | $247.4M | $756.9M | ||
| Q2 24 | $250.6M | $735.4M | ||
| Q1 24 | $173.0M | $744.6M |
| Q4 25 | $4.0B | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $3.7B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $976.8M | $1.3B | ||
| Q3 25 | $952.9M | $1.2B | ||
| Q2 25 | $896.0M | $1.2B | ||
| Q1 25 | $819.1M | $1.2B | ||
| Q4 24 | $767.3M | $1.3B | ||
| Q3 24 | $1.0B | $1.3B | ||
| Q2 24 | $988.1M | $1.3B | ||
| Q1 24 | $953.9M | $1.2B |
| Q4 25 | $5.3B | $2.2B | ||
| Q3 25 | $5.3B | $2.1B | ||
| Q2 25 | $5.2B | $2.0B | ||
| Q1 25 | $5.0B | $1.9B | ||
| Q4 24 | $4.8B | $2.1B | ||
| Q3 24 | $5.0B | $2.0B | ||
| Q2 24 | $4.8B | $2.0B | ||
| Q1 24 | $4.7B | $1.9B |
| Q4 25 | 4.13× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 4.83× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $114.9M |
| Free Cash FlowOCF − Capex | $126.9M | $109.2M |
| FCF MarginFCF / Revenue | 26.8% | 31.3% |
| Capex IntensityCapex / Revenue | 5.5% | 1.6% |
| Cash ConversionOCF / Net Profit | 2.00× | — |
| TTM Free Cash FlowTrailing 4 quarters | $244.0M | $282.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $153.2M | $114.9M | ||
| Q3 25 | $81.6M | $88.5M | ||
| Q2 25 | $9.5M | $30.8M | ||
| Q1 25 | $45.3M | $66.0M | ||
| Q4 24 | $156.2M | $29.1M | ||
| Q3 24 | $45.9M | $39.3M | ||
| Q2 24 | $35.7M | $58.7M | ||
| Q1 24 | $51.0M | $69.1M |
| Q4 25 | $126.9M | $109.2M | ||
| Q3 25 | $75.6M | $83.1M | ||
| Q2 25 | $3.2M | $27.9M | ||
| Q1 25 | $38.3M | $62.0M | ||
| Q4 24 | $127.2M | $17.4M | ||
| Q3 24 | $39.7M | $35.7M | ||
| Q2 24 | $28.3M | $56.8M | ||
| Q1 24 | $44.1M | $67.1M |
| Q4 25 | 26.8% | 31.3% | ||
| Q3 25 | 16.4% | 24.5% | ||
| Q2 25 | 0.7% | 8.6% | ||
| Q1 25 | 9.7% | 20.0% | ||
| Q4 24 | 47.9% | 5.8% | ||
| Q3 24 | 10.8% | 12.1% | ||
| Q2 24 | 8.0% | 20.0% | ||
| Q1 24 | 13.4% | 24.9% |
| Q4 25 | 5.5% | 1.6% | ||
| Q3 25 | 1.3% | 1.6% | ||
| Q2 25 | 1.4% | 0.9% | ||
| Q1 25 | 1.8% | 1.3% | ||
| Q4 24 | 10.9% | 3.9% | ||
| Q3 24 | 1.7% | 1.2% | ||
| Q2 24 | 2.1% | 0.7% | ||
| Q1 24 | 2.1% | 0.8% |
| Q4 25 | 2.00× | — | ||
| Q3 25 | 1.09× | — | ||
| Q2 25 | 0.16× | — | ||
| Q1 25 | 0.97× | — | ||
| 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.
Revenue Breakdown by Segment
ECPG
Segment breakdown not available.
PCOR
| US | $298.3M | 85% |
| Non Us | $50.9M | 15% |
