vs
Side-by-side financial comparison of ENCORE CAPITAL GROUP INC (ECPG) and TTEC Holdings, Inc. (TTEC). Click either name above to swap in a different company.
TTEC Holdings, Inc. is the larger business by last-quarter revenue ($570.0M vs $473.6M, roughly 1.2× ENCORE CAPITAL GROUP INC). ENCORE CAPITAL GROUP INC runs the higher net margin — 16.2% vs -29.9%, a 46.1% gap on every dollar of revenue. On growth, ENCORE CAPITAL GROUP INC posted the faster year-over-year revenue change (78.3% vs 0.4%). ENCORE CAPITAL GROUP INC produced more free cash flow last quarter ($126.9M vs $-9.2M). Over the past eight quarters, ENCORE CAPITAL GROUP INC's revenue compounded faster (20.1% CAGR vs -0.6%).
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.
TTEC Holdings, Inc., is an American customer experience technology and services company with its primary place of business in Austin, Texas.
ECPG vs TTEC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $473.6M | $570.0M |
| Net Profit | $76.7M | $-170.5M |
| Gross Margin | — | — |
| Operating Margin | 36.6% | -30.3% |
| Net Margin | 16.2% | -29.9% |
| Revenue YoY | 78.3% | 0.4% |
| Net Profit YoY | — | -3791.9% |
| EPS (diluted) | $3.32 | $-3.57 |
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 | $570.0M | ||
| Q3 25 | $460.4M | $519.1M | ||
| Q2 25 | $442.1M | $513.6M | ||
| Q1 25 | $392.8M | $534.2M | ||
| Q4 24 | $265.6M | $567.4M | ||
| Q3 24 | $367.1M | $529.4M | ||
| Q2 24 | $355.3M | $534.1M | ||
| Q1 24 | $328.4M | $576.6M |
| Q4 25 | $76.7M | $-170.5M | ||
| Q3 25 | $74.7M | $-13.4M | ||
| Q2 25 | $58.7M | $-8.0M | ||
| Q1 25 | $46.8M | $1.4M | ||
| Q4 24 | — | $4.6M | ||
| Q3 24 | $30.6M | $-21.1M | ||
| Q2 24 | $32.2M | $-299.5M | ||
| Q1 24 | $23.2M | $-2.3M |
| Q4 25 | 36.6% | -30.3% | ||
| Q3 25 | 37.6% | 2.4% | ||
| Q2 25 | 34.1% | 3.7% | ||
| Q1 25 | 32.9% | 4.5% | ||
| Q4 24 | — | 2.7% | ||
| Q3 24 | 28.9% | 2.4% | ||
| Q2 24 | 28.7% | -42.0% | ||
| Q1 24 | 25.5% | 3.9% |
| Q4 25 | 16.2% | -29.9% | ||
| Q3 25 | 16.2% | -2.6% | ||
| Q2 25 | 13.3% | -1.6% | ||
| Q1 25 | 11.9% | 0.3% | ||
| Q4 24 | — | 0.8% | ||
| Q3 24 | 8.3% | -4.0% | ||
| Q2 24 | 9.1% | -56.1% | ||
| Q1 24 | 7.1% | -0.4% |
| Q4 25 | $3.32 | $-3.57 | ||
| Q3 25 | $3.17 | $-0.28 | ||
| Q2 25 | $2.49 | $-0.17 | ||
| Q1 25 | $1.93 | $0.03 | ||
| Q4 24 | — | $0.05 | ||
| Q3 24 | $1.26 | $-0.44 | ||
| Q2 24 | $1.34 | $-6.30 | ||
| Q1 24 | $0.95 | $-0.05 |
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 | $82.9M |
| Total DebtLower is stronger | $4.0B | — |
| Stockholders' EquityBook value | $976.8M | $112.9M |
| Total Assets | $5.3B | $1.5B |
| Debt / EquityLower = less leverage | 4.13× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $156.8M | $82.9M | ||
| Q3 25 | $172.5M | $73.5M | ||
| Q2 25 | $172.9M | $82.6M | ||
| Q1 25 | $187.1M | $85.1M | ||
| Q4 24 | $199.9M | $85.0M | ||
| Q3 24 | $247.4M | $96.9M | ||
| Q2 24 | $250.6M | $79.8M | ||
| Q1 24 | $173.0M | $91.5M |
| Q4 25 | $4.0B | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $3.7B | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $976.8M | $112.9M | ||
| Q3 25 | $952.9M | $280.8M | ||
| Q2 25 | $896.0M | $295.2M | ||
| Q1 25 | $819.1M | $281.5M | ||
| Q4 24 | $767.3M | $268.1M | ||
| Q3 24 | $1.0B | $295.1M | ||
| Q2 24 | $988.1M | $304.2M | ||
| Q1 24 | $953.9M | $612.4M |
| Q4 25 | $5.3B | $1.5B | ||
| Q3 25 | $5.3B | $1.7B | ||
| Q2 25 | $5.2B | $1.7B | ||
| Q1 25 | $5.0B | $1.7B | ||
| Q4 24 | $4.8B | $1.8B | ||
| Q3 24 | $5.0B | $1.8B | ||
| Q2 24 | $4.8B | $1.8B | ||
| Q1 24 | $4.7B | $2.1B |
| 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 | $2.6M |
| Free Cash FlowOCF − Capex | $126.9M | $-9.2M |
| FCF MarginFCF / Revenue | 26.8% | -1.6% |
| Capex IntensityCapex / Revenue | 5.5% | 2.1% |
| Cash ConversionOCF / Net Profit | 2.00× | — |
| TTM Free Cash FlowTrailing 4 quarters | $244.0M | $83.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $153.2M | $2.6M | ||
| Q3 25 | $81.6M | $4.2M | ||
| Q2 25 | $9.5M | $92.7M | ||
| Q1 25 | $45.3M | $21.6M | ||
| Q4 24 | $156.2M | $-1.1M | ||
| Q3 24 | $45.9M | $-91.4M | ||
| Q2 24 | $35.7M | $49.3M | ||
| Q1 24 | $51.0M | $-15.6M |
| Q4 25 | $126.9M | $-9.2M | ||
| Q3 25 | $75.6M | $-9.6M | ||
| Q2 25 | $3.2M | $85.5M | ||
| Q1 25 | $38.3M | $16.2M | ||
| Q4 24 | $127.2M | $-9.8M | ||
| Q3 24 | $39.7M | $-100.2M | ||
| Q2 24 | $28.3M | $35.1M | ||
| Q1 24 | $44.1M | $-29.1M |
| Q4 25 | 26.8% | -1.6% | ||
| Q3 25 | 16.4% | -1.8% | ||
| Q2 25 | 0.7% | 16.7% | ||
| Q1 25 | 9.7% | 3.0% | ||
| Q4 24 | 47.9% | -1.7% | ||
| Q3 24 | 10.8% | -18.9% | ||
| Q2 24 | 8.0% | 6.6% | ||
| Q1 24 | 13.4% | -5.0% |
| Q4 25 | 5.5% | 2.1% | ||
| Q3 25 | 1.3% | 2.7% | ||
| Q2 25 | 1.4% | 1.4% | ||
| Q1 25 | 1.8% | 1.0% | ||
| Q4 24 | 10.9% | 1.5% | ||
| Q3 24 | 1.7% | 1.7% | ||
| Q2 24 | 2.1% | 2.7% | ||
| Q1 24 | 2.1% | 2.3% |
| Q4 25 | 2.00× | — | ||
| Q3 25 | 1.09× | — | ||
| Q2 25 | 0.16× | — | ||
| Q1 25 | 0.97× | 15.60× | ||
| Q4 24 | — | -0.24× | ||
| Q3 24 | 1.50× | — | ||
| Q2 24 | 1.11× | — | ||
| 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.
TTEC
| Ttec Engage | $444.5M | 78% |
| Ttec Digital | $125.5M | 22% |
