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Side-by-side financial comparison of ENCORE CAPITAL GROUP INC (ECPG) and Utz Brands, Inc. (UTZ). 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 $341.0M, roughly 1.4× Utz Brands, Inc.). ENCORE CAPITAL GROUP INC runs the higher net margin — 16.2% vs 0.7%, a 15.5% gap on every dollar of revenue. On growth, ENCORE CAPITAL GROUP INC posted the faster year-over-year revenue change (78.3% vs -3.1%). ENCORE CAPITAL GROUP INC produced more free cash flow last quarter ($126.9M vs $16.5M). Over the past eight quarters, ENCORE CAPITAL GROUP INC's revenue compounded faster (20.1% CAGR vs -1.5%).
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.
Utz Brands, Inc., more commonly known as Utz, is an American snack food company based in Hanover, Pennsylvania. The company produces a variety of potato chips, pretzels, and other snacks, with most products sold under their family of brands. Utz is also a snack supplier to warehouse clubs and merchandisers.
ECPG vs UTZ — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2024
| Metric | | |
|---|---|---|
| Revenue | $473.6M | $341.0M |
| Net Profit | $76.7M | $2.3M |
| Gross Margin | — | 25.5% |
| Operating Margin | 36.6% | 2.1% |
| Net Margin | 16.2% | 0.7% |
| Revenue YoY | 78.3% | -3.1% |
| Net Profit YoY | — | 108.3% |
| EPS (diluted) | $3.32 | $0.04 |
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 | — | ||
| Q3 25 | $460.4M | — | ||
| Q2 25 | $442.1M | — | ||
| Q1 25 | $392.8M | — | ||
| Q4 24 | $265.6M | $341.0M | ||
| Q3 24 | $367.1M | $365.5M | ||
| Q2 24 | $355.3M | $356.2M | ||
| Q1 24 | $328.4M | $346.5M |
| Q4 25 | $76.7M | — | ||
| Q3 25 | $74.7M | — | ||
| Q2 25 | $58.7M | — | ||
| Q1 25 | $46.8M | — | ||
| Q4 24 | — | $2.3M | ||
| Q3 24 | $30.6M | $-2.2M | ||
| Q2 24 | $32.2M | $19.8M | ||
| Q1 24 | $23.2M | $-4.0M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 25.5% | ||
| Q3 24 | — | 26.9% | ||
| Q2 24 | — | 26.7% | ||
| Q1 24 | — | 25.5% |
| Q4 25 | 36.6% | — | ||
| Q3 25 | 37.6% | — | ||
| Q2 25 | 34.1% | — | ||
| Q1 25 | 32.9% | — | ||
| Q4 24 | — | 2.1% | ||
| Q3 24 | 28.9% | 5.3% | ||
| Q2 24 | 28.7% | 6.3% | ||
| Q1 24 | 25.5% | 2.8% |
| Q4 25 | 16.2% | — | ||
| Q3 25 | 16.2% | — | ||
| Q2 25 | 13.3% | — | ||
| Q1 25 | 11.9% | — | ||
| Q4 24 | — | 0.7% | ||
| Q3 24 | 8.3% | -0.6% | ||
| Q2 24 | 9.1% | 5.6% | ||
| Q1 24 | 7.1% | -1.2% |
| Q4 25 | $3.32 | — | ||
| Q3 25 | $3.17 | — | ||
| Q2 25 | $2.49 | — | ||
| Q1 25 | $1.93 | — | ||
| Q4 24 | — | $0.04 | ||
| Q3 24 | $1.26 | $-0.03 | ||
| Q2 24 | $1.34 | $0.23 | ||
| 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 | $56.1M |
| Total DebtLower is stronger | $4.0B | $768.6M |
| Stockholders' EquityBook value | $976.8M | $696.9M |
| Total Assets | $5.3B | $2.7B |
| Debt / EquityLower = less leverage | 4.13× | 1.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $156.8M | — | ||
| Q3 25 | $172.5M | — | ||
| Q2 25 | $172.9M | — | ||
| Q1 25 | $187.1M | — | ||
| Q4 24 | $199.9M | $56.1M | ||
| Q3 24 | $247.4M | $64.9M | ||
| Q2 24 | $250.6M | $66.6M | ||
| Q1 24 | $173.0M | $47.0M |
| Q4 25 | $4.0B | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $3.7B | $768.6M | ||
| Q3 24 | — | $780.8M | ||
| Q2 24 | — | $797.6M | ||
| Q1 24 | — | $756.9M |
| Q4 25 | $976.8M | — | ||
| Q3 25 | $952.9M | — | ||
| Q2 25 | $896.0M | — | ||
| Q1 25 | $819.1M | — | ||
| Q4 24 | $767.3M | $696.9M | ||
| Q3 24 | $1.0B | $685.7M | ||
| Q2 24 | $988.1M | $686.0M | ||
| Q1 24 | $953.9M | $671.1M |
| Q4 25 | $5.3B | — | ||
| Q3 25 | $5.3B | — | ||
| Q2 25 | $5.2B | — | ||
| Q1 25 | $5.0B | — | ||
| Q4 24 | $4.8B | $2.7B | ||
| Q3 24 | $5.0B | $2.6B | ||
| Q2 24 | $4.8B | $2.7B | ||
| Q1 24 | $4.7B | $2.6B |
| Q4 25 | 4.13× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 4.83× | 1.10× | ||
| Q3 24 | — | 1.14× | ||
| Q2 24 | — | 1.16× | ||
| Q1 24 | — | 1.13× |
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 | $54.2M |
| Free Cash FlowOCF − Capex | $126.9M | $16.5M |
| FCF MarginFCF / Revenue | 26.8% | 4.8% |
| Capex IntensityCapex / Revenue | 5.5% | 11.1% |
| Cash ConversionOCF / Net Profit | 2.00× | 23.67× |
| TTM Free Cash FlowTrailing 4 quarters | $244.0M | $7.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $153.2M | — | ||
| Q3 25 | $81.6M | — | ||
| Q2 25 | $9.5M | — | ||
| Q1 25 | $45.3M | — | ||
| Q4 24 | $156.2M | $54.2M | ||
| Q3 24 | $45.9M | $52.2M | ||
| Q2 24 | $35.7M | $8.9M | ||
| Q1 24 | $51.0M | $-9.1M |
| Q4 25 | $126.9M | — | ||
| Q3 25 | $75.6M | — | ||
| Q2 25 | $3.2M | — | ||
| Q1 25 | $38.3M | — | ||
| Q4 24 | $127.2M | $16.5M | ||
| Q3 24 | $39.7M | $29.1M | ||
| Q2 24 | $28.3M | $-15.3M | ||
| Q1 24 | $44.1M | $-22.7M |
| Q4 25 | 26.8% | — | ||
| Q3 25 | 16.4% | — | ||
| Q2 25 | 0.7% | — | ||
| Q1 25 | 9.7% | — | ||
| Q4 24 | 47.9% | 4.8% | ||
| Q3 24 | 10.8% | 8.0% | ||
| Q2 24 | 8.0% | -4.3% | ||
| Q1 24 | 13.4% | -6.5% |
| Q4 25 | 5.5% | — | ||
| Q3 25 | 1.3% | — | ||
| Q2 25 | 1.4% | — | ||
| Q1 25 | 1.8% | — | ||
| Q4 24 | 10.9% | 11.1% | ||
| Q3 24 | 1.7% | 6.3% | ||
| Q2 24 | 2.1% | 6.8% | ||
| Q1 24 | 2.1% | 3.9% |
| Q4 25 | 2.00× | — | ||
| Q3 25 | 1.09× | — | ||
| Q2 25 | 0.16× | — | ||
| Q1 25 | 0.97× | — | ||
| Q4 24 | — | 23.67× | ||
| Q3 24 | 1.50× | — | ||
| Q2 24 | 1.11× | 0.45× | ||
| Q1 24 | 2.19× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
