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Side-by-side financial comparison of ENCORE CAPITAL GROUP INC (ECPG) and Tecnoglass Inc. (TGLS). 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 $245.3M, roughly 1.9× Tecnoglass Inc.). ENCORE CAPITAL GROUP INC runs the higher net margin — 16.2% vs 10.6%, a 5.5% gap on every dollar of revenue. On growth, ENCORE CAPITAL GROUP INC posted the faster year-over-year revenue change (78.3% vs 2.4%). ENCORE CAPITAL GROUP INC produced more free cash flow last quarter ($126.9M vs $11.4M). Over the past eight quarters, ENCORE CAPITAL GROUP INC's revenue compounded faster (20.1% CAGR vs 12.8%).
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.
Tecnoglass Inc. is a leading manufacturer of high-performance architectural glass, aluminum windows, doors, and associated building components. It primarily caters to residential and commercial construction sectors across North America and Latin America, offering custom, energy-efficient solutions for new construction and renovation projects.
ECPG vs TGLS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $473.6M | $245.3M |
| Net Profit | $76.7M | $26.1M |
| Gross Margin | — | 40.0% |
| Operating Margin | 36.6% | 18.3% |
| Net Margin | 16.2% | 10.6% |
| Revenue YoY | 78.3% | 2.4% |
| Net Profit YoY | — | -44.5% |
| EPS (diluted) | $3.32 | $0.57 |
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 | $245.3M | ||
| Q3 25 | $460.4M | $260.5M | ||
| Q2 25 | $442.1M | $255.5M | ||
| Q1 25 | $392.8M | $222.3M | ||
| Q4 24 | $265.6M | $239.6M | ||
| Q3 24 | $367.1M | $238.3M | ||
| Q2 24 | $355.3M | $219.7M | ||
| Q1 24 | $328.4M | $192.6M |
| Q4 25 | $76.7M | $26.1M | ||
| Q3 25 | $74.7M | $47.2M | ||
| Q2 25 | $58.7M | $44.1M | ||
| Q1 25 | $46.8M | $42.2M | ||
| Q4 24 | — | $47.0M | ||
| Q3 24 | $30.6M | $49.5M | ||
| Q2 24 | $32.2M | $35.0M | ||
| Q1 24 | $23.2M | $29.7M |
| Q4 25 | — | 40.0% | ||
| Q3 25 | — | 42.7% | ||
| Q2 25 | — | 44.7% | ||
| Q1 25 | — | 43.9% | ||
| Q4 24 | — | 44.5% | ||
| Q3 24 | — | 45.8% | ||
| Q2 24 | — | 40.8% | ||
| Q1 24 | — | 38.8% |
| Q4 25 | 36.6% | 18.3% | ||
| Q3 25 | 37.6% | 25.1% | ||
| Q2 25 | 34.1% | 24.0% | ||
| Q1 25 | 32.9% | 26.7% | ||
| Q4 24 | — | 28.0% | ||
| Q3 24 | 28.9% | 28.4% | ||
| Q2 24 | 28.7% | 23.3% | ||
| Q1 24 | 25.5% | 21.3% |
| Q4 25 | 16.2% | 10.6% | ||
| Q3 25 | 16.2% | 18.1% | ||
| Q2 25 | 13.3% | 17.3% | ||
| Q1 25 | 11.9% | 19.0% | ||
| Q4 24 | — | 19.6% | ||
| Q3 24 | 8.3% | 20.8% | ||
| Q2 24 | 9.1% | 15.9% | ||
| Q1 24 | 7.1% | 15.4% |
| Q4 25 | $3.32 | $0.57 | ||
| Q3 25 | $3.17 | $1.01 | ||
| Q2 25 | $2.49 | $0.94 | ||
| Q1 25 | $1.93 | $0.90 | ||
| Q4 24 | — | $1.00 | ||
| Q3 24 | $1.26 | $1.05 | ||
| Q2 24 | $1.34 | $0.75 | ||
| Q1 24 | $0.95 | $0.63 |
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 | $174.4M |
| Stockholders' EquityBook value | $976.8M | $713.1M |
| Total Assets | $5.3B | $1.3B |
| Debt / EquityLower = less leverage | 4.13× | 0.24× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $156.8M | $104.1M | ||
| Q3 25 | $172.5M | $127.1M | ||
| Q2 25 | $172.9M | $140.9M | ||
| Q1 25 | $187.1M | $160.2M | ||
| Q4 24 | $199.9M | $137.5M | ||
| Q3 24 | $247.4M | $124.8M | ||
| Q2 24 | $250.6M | $129.5M | ||
| Q1 24 | $173.0M | $138.8M |
| Q4 25 | $4.0B | $174.4M | ||
| Q3 25 | — | $114.7M | ||
| Q2 25 | — | $110.6M | ||
| Q1 25 | — | $110.6M | ||
| Q4 24 | $3.7B | $111.1M | ||
| Q3 24 | — | $126.8M | ||
| Q2 24 | — | $144.7M | ||
| Q1 24 | — | $160.9M |
| Q4 25 | $976.8M | $713.1M | ||
| Q3 25 | $952.9M | $764.0M | ||
| Q2 25 | $896.0M | $736.0M | ||
| Q1 25 | $819.1M | $685.1M | ||
| Q4 24 | $767.3M | $631.2M | ||
| Q3 24 | $1.0B | $613.3M | ||
| Q2 24 | $988.1M | $574.8M | ||
| Q1 24 | $953.9M | $573.6M |
| Q4 25 | $5.3B | $1.3B | ||
| Q3 25 | $5.3B | $1.2B | ||
| Q2 25 | $5.2B | $1.2B | ||
| Q1 25 | $5.0B | $1.1B | ||
| Q4 24 | $4.8B | $1.0B | ||
| Q3 24 | $5.0B | $996.3M | ||
| Q2 24 | $4.8B | $942.5M | ||
| Q1 24 | $4.7B | $981.6M |
| Q4 25 | 4.13× | 0.24× | ||
| Q3 25 | — | 0.15× | ||
| Q2 25 | — | 0.15× | ||
| Q1 25 | — | 0.16× | ||
| Q4 24 | 4.83× | 0.18× | ||
| Q3 24 | — | 0.21× | ||
| Q2 24 | — | 0.25× | ||
| Q1 24 | — | 0.28× |
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 | $31.0M |
| Free Cash FlowOCF − Capex | $126.9M | $11.4M |
| FCF MarginFCF / Revenue | 26.8% | 4.7% |
| Capex IntensityCapex / Revenue | 5.5% | 8.0% |
| Cash ConversionOCF / Net Profit | 2.00× | 1.19× |
| TTM Free Cash FlowTrailing 4 quarters | $244.0M | $34.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $153.2M | $31.0M | ||
| Q3 25 | $81.6M | $40.0M | ||
| Q2 25 | $9.5M | $17.9M | ||
| Q1 25 | $45.3M | $46.9M | ||
| Q4 24 | $156.2M | $61.1M | ||
| Q3 24 | $45.9M | $41.5M | ||
| Q2 24 | $35.7M | $34.5M | ||
| Q1 24 | $51.0M | $33.4M |
| Q4 25 | $126.9M | $11.4M | ||
| Q3 25 | $75.6M | $21.2M | ||
| Q2 25 | $3.2M | $-14.7M | ||
| Q1 25 | $38.3M | $16.5M | ||
| Q4 24 | $127.2M | $35.4M | ||
| Q3 24 | $39.7M | $17.8M | ||
| Q2 24 | $28.3M | $14.2M | ||
| Q1 24 | $44.1M | $23.6M |
| Q4 25 | 26.8% | 4.7% | ||
| Q3 25 | 16.4% | 8.2% | ||
| Q2 25 | 0.7% | -5.7% | ||
| Q1 25 | 9.7% | 7.4% | ||
| Q4 24 | 47.9% | 14.8% | ||
| Q3 24 | 10.8% | 7.5% | ||
| Q2 24 | 8.0% | 6.5% | ||
| Q1 24 | 13.4% | 12.2% |
| Q4 25 | 5.5% | 8.0% | ||
| Q3 25 | 1.3% | 7.2% | ||
| Q2 25 | 1.4% | 12.7% | ||
| Q1 25 | 1.8% | 13.7% | ||
| Q4 24 | 10.9% | 10.7% | ||
| Q3 24 | 1.7% | 9.9% | ||
| Q2 24 | 2.1% | 9.2% | ||
| Q1 24 | 2.1% | 5.1% |
| Q4 25 | 2.00× | 1.19× | ||
| Q3 25 | 1.09× | 0.85× | ||
| Q2 25 | 0.16× | 0.41× | ||
| Q1 25 | 0.97× | 1.11× | ||
| Q4 24 | — | 1.30× | ||
| Q3 24 | 1.50× | 0.84× | ||
| Q2 24 | 1.11× | 0.98× | ||
| Q1 24 | 2.19× | 1.13× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ECPG
Segment breakdown not available.
TGLS
| Product Sales | $164.2M | 67% |
| Fixed Price Contracts | $81.1M | 33% |
| Related Party | $692.0K | 0% |
