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Side-by-side financial comparison of ENCORE CAPITAL GROUP INC (ECPG) and Smith Douglas Homes Corp. (SDHC). 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 $260.4M, roughly 1.8× Smith Douglas Homes Corp.). ENCORE CAPITAL GROUP INC runs the higher net margin — 16.2% vs 1.4%, a 14.8% gap on every dollar of revenue. On growth, ENCORE CAPITAL GROUP INC posted the faster year-over-year revenue change (78.3% vs -9.4%). ENCORE CAPITAL GROUP INC produced more free cash flow last quarter ($126.9M vs $8.7M). Over the past eight quarters, ENCORE CAPITAL GROUP INC's revenue compounded faster (20.1% CAGR vs 17.3%).
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.
Smith & Wesson Brands, Inc. (S&W) is an American firearm manufacturer headquartered in Maryville, Tennessee, United States.
ECPG vs SDHC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $473.6M | $260.4M |
| Net Profit | $76.7M | $3.5M |
| Gross Margin | — | 19.9% |
| Operating Margin | 36.6% | 6.5% |
| Net Margin | 16.2% | 1.4% |
| Revenue YoY | 78.3% | -9.4% |
| Net Profit YoY | — | -14.3% |
| 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.
| Q4 25 | $473.6M | $260.4M | ||
| Q3 25 | $460.4M | $262.0M | ||
| Q2 25 | $442.1M | $223.9M | ||
| Q1 25 | $392.8M | $224.7M | ||
| Q4 24 | $265.6M | $287.5M | ||
| Q3 24 | $367.1M | $277.8M | ||
| Q2 24 | $355.3M | $220.9M | ||
| Q1 24 | $328.4M | $189.2M |
| Q4 25 | $76.7M | $3.5M | ||
| Q3 25 | $74.7M | $2.1M | ||
| Q2 25 | $58.7M | $2.4M | ||
| Q1 25 | $46.8M | $2.7M | ||
| Q4 24 | — | $4.1M | ||
| Q3 24 | $30.6M | $5.3M | ||
| Q2 24 | $32.2M | $3.6M | ||
| Q1 24 | $23.2M | $3.0M |
| Q4 25 | — | 19.9% | ||
| Q3 25 | — | 21.0% | ||
| Q2 25 | — | 23.2% | ||
| Q1 25 | — | 23.8% | ||
| Q4 24 | — | 25.5% | ||
| Q3 24 | — | 26.5% | ||
| Q2 24 | — | 26.7% | ||
| Q1 24 | — | 26.1% |
| Q4 25 | 36.6% | 6.5% | ||
| Q3 25 | 37.6% | 6.6% | ||
| Q2 25 | 34.1% | 7.7% | ||
| Q1 25 | 32.9% | 8.7% | ||
| Q4 24 | — | 10.4% | ||
| Q3 24 | 28.9% | 14.2% | ||
| Q2 24 | 28.7% | 11.7% | ||
| Q1 24 | 25.5% | 11.3% |
| Q4 25 | 16.2% | 1.4% | ||
| Q3 25 | 16.2% | 0.8% | ||
| Q2 25 | 13.3% | 1.1% | ||
| Q1 25 | 11.9% | 1.2% | ||
| Q4 24 | — | 1.4% | ||
| Q3 24 | 8.3% | 1.9% | ||
| Q2 24 | 9.1% | 1.7% | ||
| Q1 24 | 7.1% | 1.6% |
| Q4 25 | $3.32 | $0.39 | ||
| Q3 25 | $3.17 | $0.24 | ||
| Q2 25 | $2.49 | $0.26 | ||
| Q1 25 | $1.93 | $0.30 | ||
| Q4 24 | — | $0.50 | ||
| Q3 24 | $1.26 | $0.58 | ||
| Q2 24 | $1.34 | $0.40 | ||
| Q1 24 | $0.95 | $0.33 |
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 | $12.7M |
| Total DebtLower is stronger | $4.0B | — |
| Stockholders' EquityBook value | $976.8M | $86.7M |
| Total Assets | $5.3B | $557.6M |
| Debt / EquityLower = less leverage | 4.13× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $156.8M | $12.7M | ||
| Q3 25 | $172.5M | $14.8M | ||
| Q2 25 | $172.9M | $16.8M | ||
| Q1 25 | $187.1M | $12.7M | ||
| Q4 24 | $199.9M | $22.4M | ||
| Q3 24 | $247.4M | $23.7M | ||
| Q2 24 | $250.6M | $17.3M | ||
| Q1 24 | $173.0M | $32.8M |
| Q4 25 | $4.0B | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $3.7B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $976.8M | $86.7M | ||
| Q3 25 | $952.9M | $82.2M | ||
| Q2 25 | $896.0M | $80.0M | ||
| Q1 25 | $819.1M | $76.9M | ||
| Q4 24 | $767.3M | $73.6M | ||
| Q3 24 | $1.0B | $68.4M | ||
| Q2 24 | $988.1M | $62.1M | ||
| Q1 24 | $953.9M | $59.7M |
| Q4 25 | $5.3B | $557.6M | ||
| Q3 25 | $5.3B | $571.6M | ||
| Q2 25 | $5.2B | $570.2M | ||
| Q1 25 | $5.0B | $513.9M | ||
| Q4 24 | $4.8B | $475.9M | ||
| Q3 24 | $5.0B | $460.1M | ||
| Q2 24 | $4.8B | $429.3M | ||
| Q1 24 | $4.7B | $401.3M |
| 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 | $9.8M |
| Free Cash FlowOCF − Capex | $126.9M | $8.7M |
| FCF MarginFCF / Revenue | 26.8% | 3.4% |
| Capex IntensityCapex / Revenue | 5.5% | 0.4% |
| Cash ConversionOCF / Net Profit | 2.00× | 2.77× |
| TTM Free Cash FlowTrailing 4 quarters | $244.0M | $-36.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $153.2M | $9.8M | ||
| Q3 25 | $81.6M | $22.8M | ||
| Q2 25 | $9.5M | $-28.9M | ||
| Q1 25 | $45.3M | $-34.9M | ||
| Q4 24 | $156.2M | $5.5M | ||
| Q3 24 | $45.9M | $22.9M | ||
| Q2 24 | $35.7M | $39.0K | ||
| Q1 24 | $51.0M | $-9.3M |
| Q4 25 | $126.9M | $8.7M | ||
| Q3 25 | $75.6M | $21.4M | ||
| Q2 25 | $3.2M | $-31.1M | ||
| Q1 25 | $38.3M | $-35.9M | ||
| Q4 24 | $127.2M | $4.8M | ||
| Q3 24 | $39.7M | $22.3M | ||
| Q2 24 | $28.3M | $-2.1M | ||
| Q1 24 | $44.1M | $-9.7M |
| Q4 25 | 26.8% | 3.4% | ||
| Q3 25 | 16.4% | 8.2% | ||
| Q2 25 | 0.7% | -13.9% | ||
| Q1 25 | 9.7% | -16.0% | ||
| Q4 24 | 47.9% | 1.7% | ||
| Q3 24 | 10.8% | 8.0% | ||
| Q2 24 | 8.0% | -1.0% | ||
| Q1 24 | 13.4% | -5.1% |
| Q4 25 | 5.5% | 0.4% | ||
| Q3 25 | 1.3% | 0.5% | ||
| Q2 25 | 1.4% | 0.9% | ||
| Q1 25 | 1.8% | 0.5% | ||
| Q4 24 | 10.9% | 0.2% | ||
| Q3 24 | 1.7% | 0.2% | ||
| Q2 24 | 2.1% | 1.0% | ||
| Q1 24 | 2.1% | 0.2% |
| Q4 25 | 2.00× | 2.77× | ||
| Q3 25 | 1.09× | 10.70× | ||
| Q2 25 | 0.16× | -12.24× | ||
| Q1 25 | 0.97× | -13.01× | ||
| Q4 24 | — | 1.33× | ||
| Q3 24 | 1.50× | 4.28× | ||
| Q2 24 | 1.11× | 0.01× | ||
| Q1 24 | 2.19× | -3.12× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ECPG
Segment breakdown not available.
SDHC
| Southeast | $164.7M | 63% |
| Central | $95.8M | 37% |
