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Side-by-side financial comparison of ENCORE CAPITAL GROUP INC (ECPG) and Simpson Manufacturing Co., Inc. (SSD). Click either name above to swap in a different company.
Simpson Manufacturing Co., Inc. is the larger business by last-quarter revenue ($588.0M vs $473.6M, roughly 1.2× ENCORE CAPITAL GROUP INC). ENCORE CAPITAL GROUP INC runs the higher net margin — 16.2% vs 15.0%, a 1.2% gap on every dollar of revenue. On growth, ENCORE CAPITAL GROUP INC posted the faster year-over-year revenue change (78.3% vs 9.1%). Over the past eight quarters, ENCORE CAPITAL GROUP INC's revenue compounded faster (20.1% CAGR vs -0.8%).
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.
Simpson Manufacturing Company is a leading building materials manufacturer in the United States that produces structural connectors, fasteners, anchors, and products for new construction and retrofitting.
ECPG vs SSD — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $473.6M | $588.0M |
| Net Profit | $76.7M | $88.2M |
| Gross Margin | — | 45.2% |
| Operating Margin | 36.6% | 19.5% |
| Net Margin | 16.2% | 15.0% |
| Revenue YoY | 78.3% | 9.1% |
| Net Profit YoY | — | 13.3% |
| EPS (diluted) | $3.32 | $2.13 |
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.
| Q1 26 | — | $588.0M | ||
| Q4 25 | $473.6M | $539.3M | ||
| Q3 25 | $460.4M | $623.5M | ||
| Q2 25 | $442.1M | $631.1M | ||
| Q1 25 | $392.8M | $538.9M | ||
| Q4 24 | $265.6M | $517.4M | ||
| Q3 24 | $367.1M | $587.2M | ||
| Q2 24 | $355.3M | $597.0M |
| Q1 26 | — | $88.2M | ||
| Q4 25 | $76.7M | $56.2M | ||
| Q3 25 | $74.7M | $107.4M | ||
| Q2 25 | $58.7M | $103.5M | ||
| Q1 25 | $46.8M | $77.9M | ||
| Q4 24 | — | $55.4M | ||
| Q3 24 | $30.6M | $93.5M | ||
| Q2 24 | $32.2M | $97.8M |
| Q1 26 | — | 45.2% | ||
| Q4 25 | — | 43.4% | ||
| Q3 25 | — | 46.4% | ||
| Q2 25 | — | 46.7% | ||
| Q1 25 | — | 46.8% | ||
| Q4 24 | — | 44.0% | ||
| Q3 24 | — | 46.8% | ||
| Q2 24 | — | 46.7% |
| Q1 26 | — | 19.5% | ||
| Q4 25 | 36.6% | 13.9% | ||
| Q3 25 | 37.6% | 22.6% | ||
| Q2 25 | 34.1% | 22.2% | ||
| Q1 25 | 32.9% | 19.0% | ||
| Q4 24 | — | 14.8% | ||
| Q3 24 | 28.9% | 21.3% | ||
| Q2 24 | 28.7% | 22.1% |
| Q1 26 | — | 15.0% | ||
| Q4 25 | 16.2% | 10.4% | ||
| Q3 25 | 16.2% | 17.2% | ||
| Q2 25 | 13.3% | 16.4% | ||
| Q1 25 | 11.9% | 14.5% | ||
| Q4 24 | — | 10.7% | ||
| Q3 24 | 8.3% | 15.9% | ||
| Q2 24 | 9.1% | 16.4% |
| Q1 26 | — | $2.13 | ||
| Q4 25 | $3.32 | $1.34 | ||
| Q3 25 | $3.17 | $2.58 | ||
| Q2 25 | $2.49 | $2.47 | ||
| Q1 25 | $1.93 | $1.85 | ||
| Q4 24 | — | $1.31 | ||
| Q3 24 | $1.26 | $2.21 | ||
| Q2 24 | $1.34 | $2.31 |
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 | $341.0M |
| Total DebtLower is stronger | $4.0B | — |
| Stockholders' EquityBook value | $976.8M | $2.1B |
| Total Assets | $5.3B | $3.0B |
| Debt / EquityLower = less leverage | 4.13× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $341.0M | ||
| Q4 25 | $156.8M | $384.1M | ||
| Q3 25 | $172.5M | $297.3M | ||
| Q2 25 | $172.9M | $190.4M | ||
| Q1 25 | $187.1M | $150.3M | ||
| Q4 24 | $199.9M | $239.4M | ||
| Q3 24 | $247.4M | $339.4M | ||
| Q2 24 | $250.6M | $354.9M |
| Q1 26 | — | — | ||
| Q4 25 | $4.0B | $300.0M | ||
| Q3 25 | — | $371.3M | ||
| Q2 25 | — | $376.9M | ||
| Q1 25 | — | $382.5M | ||
| Q4 24 | $3.7B | $388.1M | ||
| Q3 24 | — | $393.8M | ||
| Q2 24 | — | $399.4M |
| Q1 26 | — | $2.1B | ||
| Q4 25 | $976.8M | $2.0B | ||
| Q3 25 | $952.9M | $2.0B | ||
| Q2 25 | $896.0M | $1.9B | ||
| Q1 25 | $819.1M | $1.9B | ||
| Q4 24 | $767.3M | $1.8B | ||
| Q3 24 | $1.0B | $1.9B | ||
| Q2 24 | $988.1M | $1.8B |
| Q1 26 | — | $3.0B | ||
| Q4 25 | $5.3B | $3.1B | ||
| Q3 25 | $5.3B | $3.0B | ||
| Q2 25 | $5.2B | $3.0B | ||
| Q1 25 | $5.0B | $2.8B | ||
| Q4 24 | $4.8B | $2.7B | ||
| Q3 24 | $5.0B | $2.9B | ||
| Q2 24 | $4.8B | $2.8B |
| Q1 26 | — | — | ||
| Q4 25 | 4.13× | 0.15× | ||
| Q3 25 | — | 0.19× | ||
| Q2 25 | — | 0.20× | ||
| Q1 25 | — | 0.21× | ||
| Q4 24 | 4.83× | 0.21× | ||
| Q3 24 | — | 0.21× | ||
| Q2 24 | — | 0.23× |
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 | — |
| Free Cash FlowOCF − Capex | $126.9M | — |
| FCF MarginFCF / Revenue | 26.8% | — |
| Capex IntensityCapex / Revenue | 5.5% | — |
| Cash ConversionOCF / Net Profit | 2.00× | — |
| TTM Free Cash FlowTrailing 4 quarters | $244.0M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $153.2M | $155.7M | ||
| Q3 25 | $81.6M | $170.2M | ||
| Q2 25 | $9.5M | $125.2M | ||
| Q1 25 | $45.3M | $7.6M | ||
| Q4 24 | $156.2M | $115.8M | ||
| Q3 24 | $45.9M | $103.3M | ||
| Q2 24 | $35.7M | $111.1M |
| Q1 26 | — | — | ||
| Q4 25 | $126.9M | $119.0M | ||
| Q3 25 | $75.6M | $133.9M | ||
| Q2 25 | $3.2M | $87.3M | ||
| Q1 25 | $38.3M | $-42.6M | ||
| Q4 24 | $127.2M | $60.3M | ||
| Q3 24 | $39.7M | $58.1M | ||
| Q2 24 | $28.3M | $70.9M |
| Q1 26 | — | — | ||
| Q4 25 | 26.8% | 22.1% | ||
| Q3 25 | 16.4% | 21.5% | ||
| Q2 25 | 0.7% | 13.8% | ||
| Q1 25 | 9.7% | -7.9% | ||
| Q4 24 | 47.9% | 11.7% | ||
| Q3 24 | 10.8% | 9.9% | ||
| Q2 24 | 8.0% | 11.9% |
| Q1 26 | — | — | ||
| Q4 25 | 5.5% | 6.8% | ||
| Q3 25 | 1.3% | 5.8% | ||
| Q2 25 | 1.4% | 6.0% | ||
| Q1 25 | 1.8% | 9.3% | ||
| Q4 24 | 10.9% | 10.7% | ||
| Q3 24 | 1.7% | 7.7% | ||
| Q2 24 | 2.1% | 6.7% |
| Q1 26 | — | — | ||
| Q4 25 | 2.00× | 2.77× | ||
| Q3 25 | 1.09× | 1.58× | ||
| Q2 25 | 0.16× | 1.21× | ||
| Q1 25 | 0.97× | 0.10× | ||
| Q4 24 | — | 2.09× | ||
| Q3 24 | 1.50× | 1.10× | ||
| Q2 24 | 1.11× | 1.14× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
