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Side-by-side financial comparison of ENCORE CAPITAL GROUP INC (ECPG) and TripAdvisor, Inc. (TRIP). 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 $411.0M, roughly 1.2× TripAdvisor, Inc.). ENCORE CAPITAL GROUP INC runs the higher net margin — 16.2% vs -9.2%, a 25.4% gap on every dollar of revenue. On growth, ENCORE CAPITAL GROUP INC posted the faster year-over-year revenue change (78.3% vs 0.0%). ENCORE CAPITAL GROUP INC produced more free cash flow last quarter ($126.9M vs $-122.0M). Over the past eight quarters, ENCORE CAPITAL GROUP INC's revenue compounded faster (20.1% CAGR vs 2.0%).
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.
Tripadvisor is an American company that operates online travel agencies, comparison shopping websites, and mobile apps with user-generated content.
ECPG vs TRIP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $473.6M | $411.0M |
| Net Profit | $76.7M | $-38.0M |
| Gross Margin | — | 91.5% |
| Operating Margin | 36.6% | -8.3% |
| Net Margin | 16.2% | -9.2% |
| Revenue YoY | 78.3% | 0.0% |
| Net Profit YoY | — | -3900.0% |
| EPS (diluted) | $3.32 | $-0.32 |
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 | $411.0M | ||
| Q3 25 | $460.4M | $553.0M | ||
| Q2 25 | $442.1M | $529.0M | ||
| Q1 25 | $392.8M | $398.0M | ||
| Q4 24 | $265.6M | $411.0M | ||
| Q3 24 | $367.1M | $532.0M | ||
| Q2 24 | $355.3M | $497.0M | ||
| Q1 24 | $328.4M | $395.0M |
| Q4 25 | $76.7M | $-38.0M | ||
| Q3 25 | $74.7M | $53.0M | ||
| Q2 25 | $58.7M | $36.0M | ||
| Q1 25 | $46.8M | $-11.0M | ||
| Q4 24 | — | $1.0M | ||
| Q3 24 | $30.6M | $39.0M | ||
| Q2 24 | $32.2M | $24.0M | ||
| Q1 24 | $23.2M | $-59.0M |
| Q4 25 | — | 91.5% | ||
| Q3 25 | — | 92.6% | ||
| Q2 25 | — | 92.1% | ||
| Q1 25 | — | 93.2% | ||
| Q4 24 | — | 93.4% | ||
| Q3 24 | — | 92.5% | ||
| Q2 24 | — | 92.8% | ||
| Q1 24 | — | 93.7% |
| Q4 25 | 36.6% | -8.3% | ||
| Q3 25 | 37.6% | 12.7% | ||
| Q2 25 | 34.1% | 11.2% | ||
| Q1 25 | 32.9% | -3.8% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | 28.9% | 13.2% | ||
| Q2 24 | 28.7% | 7.2% | ||
| Q1 24 | 25.5% | -3.8% |
| Q4 25 | 16.2% | -9.2% | ||
| Q3 25 | 16.2% | 9.6% | ||
| Q2 25 | 13.3% | 6.8% | ||
| Q1 25 | 11.9% | -2.8% | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | 8.3% | 7.3% | ||
| Q2 24 | 9.1% | 4.8% | ||
| Q1 24 | 7.1% | -14.9% |
| Q4 25 | $3.32 | $-0.32 | ||
| Q3 25 | $3.17 | $0.43 | ||
| Q2 25 | $2.49 | $0.28 | ||
| Q1 25 | $1.93 | $-0.08 | ||
| Q4 24 | — | $0.03 | ||
| Q3 24 | $1.26 | $0.27 | ||
| Q2 24 | $1.34 | $0.17 | ||
| Q1 24 | $0.95 | $-0.43 |
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 | $1.0B |
| Total DebtLower is stronger | $4.0B | $819.0M |
| Stockholders' EquityBook value | $976.8M | $645.0M |
| Total Assets | $5.3B | $2.6B |
| Debt / EquityLower = less leverage | 4.13× | 1.27× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $156.8M | $1.0B | ||
| Q3 25 | $172.5M | $1.2B | ||
| Q2 25 | $172.9M | $1.2B | ||
| Q1 25 | $187.1M | $1.2B | ||
| Q4 24 | $199.9M | $1.1B | ||
| Q3 24 | $247.4M | $1.1B | ||
| Q2 24 | $250.6M | $1.2B | ||
| Q1 24 | $173.0M | $1.2B |
| Q4 25 | $4.0B | $819.0M | ||
| Q3 25 | — | $821.0M | ||
| Q2 25 | — | $822.0M | ||
| Q1 25 | — | $1.2B | ||
| Q4 24 | $3.7B | $831.0M | ||
| Q3 24 | — | $832.0M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $976.8M | $645.0M | ||
| Q3 25 | $952.9M | $707.0M | ||
| Q2 25 | $896.0M | $627.0M | ||
| Q1 25 | $819.1M | $643.0M | ||
| Q4 24 | $767.3M | $943.0M | ||
| Q3 24 | $1.0B | $944.0M | ||
| Q2 24 | $988.1M | $857.0M | ||
| Q1 24 | $953.9M | $825.0M |
| Q4 25 | $5.3B | $2.6B | ||
| Q3 25 | $5.3B | $2.8B | ||
| Q2 25 | $5.2B | $2.9B | ||
| Q1 25 | $5.0B | $2.8B | ||
| Q4 24 | $4.8B | $2.6B | ||
| Q3 24 | $5.0B | $2.7B | ||
| Q2 24 | $4.8B | $2.8B | ||
| Q1 24 | $4.7B | $2.7B |
| Q4 25 | 4.13× | 1.27× | ||
| Q3 25 | — | 1.16× | ||
| Q2 25 | — | 1.31× | ||
| Q1 25 | — | 1.81× | ||
| Q4 24 | 4.83× | 0.88× | ||
| Q3 24 | — | 0.88× | ||
| 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 | $-103.0M |
| Free Cash FlowOCF − Capex | $126.9M | $-122.0M |
| FCF MarginFCF / Revenue | 26.8% | -29.7% |
| Capex IntensityCapex / Revenue | 5.5% | 4.6% |
| Cash ConversionOCF / Net Profit | 2.00× | — |
| TTM Free Cash FlowTrailing 4 quarters | $244.0M | $163.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $153.2M | $-103.0M | ||
| Q3 25 | $81.6M | $44.0M | ||
| Q2 25 | $9.5M | $202.0M | ||
| Q1 25 | $45.3M | $102.0M | ||
| Q4 24 | $156.2M | $-3.0M | ||
| Q3 24 | $45.9M | $-43.0M | ||
| Q2 24 | $35.7M | $51.0M | ||
| Q1 24 | $51.0M | $139.0M |
| Q4 25 | $126.9M | $-122.0M | ||
| Q3 25 | $75.6M | $25.0M | ||
| Q2 25 | $3.2M | $177.0M | ||
| Q1 25 | $38.3M | $83.0M | ||
| Q4 24 | $127.2M | $-26.0M | ||
| Q3 24 | $39.7M | $-63.0M | ||
| Q2 24 | $28.3M | $36.0M | ||
| Q1 24 | $44.1M | $123.0M |
| Q4 25 | 26.8% | -29.7% | ||
| Q3 25 | 16.4% | 4.5% | ||
| Q2 25 | 0.7% | 33.5% | ||
| Q1 25 | 9.7% | 20.9% | ||
| Q4 24 | 47.9% | -6.3% | ||
| Q3 24 | 10.8% | -11.8% | ||
| Q2 24 | 8.0% | 7.2% | ||
| Q1 24 | 13.4% | 31.1% |
| Q4 25 | 5.5% | 4.6% | ||
| Q3 25 | 1.3% | 3.4% | ||
| Q2 25 | 1.4% | 4.7% | ||
| Q1 25 | 1.8% | 4.8% | ||
| Q4 24 | 10.9% | 5.6% | ||
| Q3 24 | 1.7% | 3.8% | ||
| Q2 24 | 2.1% | 3.0% | ||
| Q1 24 | 2.1% | 4.1% |
| Q4 25 | 2.00× | — | ||
| Q3 25 | 1.09× | 0.83× | ||
| Q2 25 | 0.16× | 5.61× | ||
| Q1 25 | 0.97× | — | ||
| Q4 24 | — | -3.00× | ||
| Q3 24 | 1.50× | -1.10× | ||
| Q2 24 | 1.11× | 2.13× | ||
| 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.
TRIP
| Third Party | $327.0M | 80% |
| The Fork | $58.0M | 14% |
| Other | $26.0M | 6% |
