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Side-by-side financial comparison of ENCORE CAPITAL GROUP INC (ECPG) and Construction Partners, Inc. (ROAD). Click either name above to swap in a different company.
Construction Partners, Inc. is the larger business by last-quarter revenue ($809.5M vs $473.6M, roughly 1.7× ENCORE CAPITAL GROUP INC). ENCORE CAPITAL GROUP INC runs the higher net margin — 16.2% vs 2.1%, a 14.1% gap on every dollar of revenue. On growth, ENCORE CAPITAL GROUP INC posted the faster year-over-year revenue change (78.3% vs 44.1%). ENCORE CAPITAL GROUP INC produced more free cash flow last quarter ($126.9M vs $47.1M). Over the past eight quarters, Construction Partners, Inc.'s revenue compounded faster (47.6% CAGR vs 20.1%).
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.
Alexander Construction Company was a Palm Springs, California, residential development company that built over 2,200 houses in the Coachella Valley of Riverside County, California, between 1955 and 1965.
ECPG vs ROAD — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $473.6M | $809.5M |
| Net Profit | $76.7M | $17.2M |
| Gross Margin | — | 15.0% |
| Operating Margin | 36.6% | 6.2% |
| Net Margin | 16.2% | 2.1% |
| Revenue YoY | 78.3% | 44.1% |
| Net Profit YoY | — | 663.9% |
| EPS (diluted) | $3.32 | $0.31 |
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 | $809.5M | ||
| Q3 25 | $460.4M | $899.8M | ||
| Q2 25 | $442.1M | $779.3M | ||
| Q1 25 | $392.8M | $571.6M | ||
| Q4 24 | $265.6M | $561.6M | ||
| Q3 24 | $367.1M | $538.2M | ||
| Q2 24 | $355.3M | $517.8M | ||
| Q1 24 | $328.4M | $371.4M |
| Q4 25 | $76.7M | $17.2M | ||
| Q3 25 | $74.7M | $56.6M | ||
| Q2 25 | $58.7M | $44.0M | ||
| Q1 25 | $46.8M | $4.2M | ||
| Q4 24 | — | $-3.1M | ||
| Q3 24 | $30.6M | $29.3M | ||
| Q2 24 | $32.2M | $30.9M | ||
| Q1 24 | $23.2M | $-1.1M |
| Q4 25 | — | 15.0% | ||
| Q3 25 | — | 17.7% | ||
| Q2 25 | — | 16.9% | ||
| Q1 25 | — | 12.5% | ||
| Q4 24 | — | 13.6% | ||
| Q3 24 | — | 15.6% | ||
| Q2 24 | — | 16.1% | ||
| Q1 24 | — | 10.4% |
| Q4 25 | 36.6% | 6.2% | ||
| Q3 25 | 37.6% | 11.2% | ||
| Q2 25 | 34.1% | 10.6% | ||
| Q1 25 | 32.9% | 4.8% | ||
| Q4 24 | — | 2.5% | ||
| Q3 24 | 28.9% | 8.5% | ||
| Q2 24 | 28.7% | 8.8% | ||
| Q1 24 | 25.5% | 0.8% |
| Q4 25 | 16.2% | 2.1% | ||
| Q3 25 | 16.2% | 6.3% | ||
| Q2 25 | 13.3% | 5.7% | ||
| Q1 25 | 11.9% | 0.7% | ||
| Q4 24 | — | -0.5% | ||
| Q3 24 | 8.3% | 5.4% | ||
| Q2 24 | 9.1% | 6.0% | ||
| Q1 24 | 7.1% | -0.3% |
| Q4 25 | $3.32 | $0.31 | ||
| Q3 25 | $3.17 | $1.03 | ||
| Q2 25 | $2.49 | $0.79 | ||
| Q1 25 | $1.93 | $0.08 | ||
| Q4 24 | — | $-0.06 | ||
| Q3 24 | $1.26 | $0.55 | ||
| Q2 24 | $1.34 | $0.59 | ||
| Q1 24 | $0.95 | $-0.02 |
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 | $104.1M |
| Total DebtLower is stronger | $4.0B | — |
| Stockholders' EquityBook value | $976.8M | $969.1M |
| Total Assets | $5.3B | $3.4B |
| Debt / EquityLower = less leverage | 4.13× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $156.8M | $104.1M | ||
| Q3 25 | $172.5M | $156.1M | ||
| Q2 25 | $172.9M | $114.3M | ||
| Q1 25 | $187.1M | $101.9M | ||
| Q4 24 | $199.9M | $132.5M | ||
| Q3 24 | $247.4M | $74.7M | ||
| Q2 24 | $250.6M | $56.3M | ||
| Q1 24 | $173.0M | $48.0M |
| Q4 25 | $4.0B | — | ||
| Q3 25 | — | $1.6B | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $3.7B | — | ||
| Q3 24 | — | $515.0M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $976.8M | $969.1M | ||
| Q3 25 | $952.9M | $912.0M | ||
| Q2 25 | $896.0M | $853.3M | ||
| Q1 25 | $819.1M | $807.9M | ||
| Q4 24 | $767.3M | $811.1M | ||
| Q3 24 | $1.0B | $573.7M | ||
| Q2 24 | $988.1M | $552.9M | ||
| Q1 24 | $953.9M | $525.0M |
| Q4 25 | $5.3B | $3.4B | ||
| Q3 25 | $5.3B | $3.2B | ||
| Q2 25 | $5.2B | $2.9B | ||
| Q1 25 | $5.0B | $2.8B | ||
| Q4 24 | $4.8B | $2.6B | ||
| Q3 24 | $5.0B | $1.5B | ||
| Q2 24 | $4.8B | $1.4B | ||
| Q1 24 | $4.7B | $1.3B |
| Q4 25 | 4.13× | — | ||
| Q3 25 | — | 1.78× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 4.83× | — | ||
| Q3 24 | — | 0.90× | ||
| 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 | $82.6M |
| Free Cash FlowOCF − Capex | $126.9M | $47.1M |
| FCF MarginFCF / Revenue | 26.8% | 5.8% |
| Capex IntensityCapex / Revenue | 5.5% | 4.4% |
| Cash ConversionOCF / Net Profit | 2.00× | 4.80× |
| TTM Free Cash FlowTrailing 4 quarters | $244.0M | $186.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $153.2M | $82.6M | ||
| Q3 25 | $81.6M | $112.0M | ||
| Q2 25 | $9.5M | $83.0M | ||
| Q1 25 | $45.3M | $55.6M | ||
| Q4 24 | $156.2M | $40.7M | ||
| Q3 24 | $45.9M | $95.9M | ||
| Q2 24 | $35.7M | $34.6M | ||
| Q1 24 | $51.0M | $18.2M |
| Q4 25 | $126.9M | $47.1M | ||
| Q3 25 | $75.6M | $78.9M | ||
| Q2 25 | $3.2M | $46.4M | ||
| Q1 25 | $38.3M | $14.2M | ||
| Q4 24 | $127.2M | $13.8M | ||
| Q3 24 | $39.7M | $78.4M | ||
| Q2 24 | $28.3M | $19.7M | ||
| Q1 24 | $44.1M | $-10.6M |
| Q4 25 | 26.8% | 5.8% | ||
| Q3 25 | 16.4% | 8.8% | ||
| Q2 25 | 0.7% | 5.9% | ||
| Q1 25 | 9.7% | 2.5% | ||
| Q4 24 | 47.9% | 2.5% | ||
| Q3 24 | 10.8% | 14.6% | ||
| Q2 24 | 8.0% | 3.8% | ||
| Q1 24 | 13.4% | -2.8% |
| Q4 25 | 5.5% | 4.4% | ||
| Q3 25 | 1.3% | 3.7% | ||
| Q2 25 | 1.4% | 4.7% | ||
| Q1 25 | 1.8% | 7.2% | ||
| Q4 24 | 10.9% | 4.8% | ||
| Q3 24 | 1.7% | 3.3% | ||
| Q2 24 | 2.1% | 2.9% | ||
| Q1 24 | 2.1% | 7.7% |
| Q4 25 | 2.00× | 4.80× | ||
| Q3 25 | 1.09× | 1.98× | ||
| Q2 25 | 0.16× | 1.88× | ||
| Q1 25 | 0.97× | 13.20× | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.50× | 3.27× | ||
| Q2 24 | 1.11× | 1.12× | ||
| Q1 24 | 2.19× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
