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Side-by-side financial comparison of ENCORE CAPITAL GROUP INC (ECPG) and Westrock Coffee Co (WEST). 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 $339.5M, roughly 1.4× Westrock Coffee Co). ENCORE CAPITAL GROUP INC runs the higher net margin — 16.2% vs -6.6%, a 22.8% gap on every dollar of revenue. On growth, ENCORE CAPITAL GROUP INC posted the faster year-over-year revenue change (78.3% vs 48.3%). ENCORE CAPITAL GROUP INC produced more free cash flow last quarter ($126.9M vs $27.8M). Over the past eight quarters, Westrock Coffee Co's revenue compounded faster (32.8% CAGR vs 20.1%).
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.
Westrock Coffee Co is a global integrated coffee, tea and functional beverage solutions provider. It sources, roasts, manufactures and distributes coffee products, ready-to-drink beverages and custom formulations for retail, foodservice and commercial clients across North America and other key markets.
ECPG vs WEST — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $473.6M | $339.5M |
| Net Profit | $76.7M | $-22.6M |
| Gross Margin | — | 11.5% |
| Operating Margin | 36.6% | -2.6% |
| Net Margin | 16.2% | -6.6% |
| Revenue YoY | 78.3% | 48.3% |
| Net Profit YoY | — | 8.3% |
| EPS (diluted) | $3.32 | $-0.22 |
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 | $339.5M | ||
| Q3 25 | $460.4M | $354.8M | ||
| Q2 25 | $442.1M | $280.9M | ||
| Q1 25 | $392.8M | $213.8M | ||
| Q4 24 | $265.6M | $229.0M | ||
| Q3 24 | $367.1M | $220.9M | ||
| Q2 24 | $355.3M | $208.4M | ||
| Q1 24 | $328.4M | $192.5M |
| Q4 25 | $76.7M | $-22.6M | ||
| Q3 25 | $74.7M | $-19.1M | ||
| Q2 25 | $58.7M | $-21.6M | ||
| Q1 25 | $46.8M | $-27.2M | ||
| Q4 24 | — | $-24.6M | ||
| Q3 24 | $30.6M | $-14.3M | ||
| Q2 24 | $32.2M | $-17.8M | ||
| Q1 24 | $23.2M | $-23.7M |
| Q4 25 | — | 11.5% | ||
| Q3 25 | — | 11.7% | ||
| Q2 25 | — | 14.7% | ||
| Q1 25 | — | 13.6% | ||
| Q4 24 | — | 16.6% | ||
| Q3 24 | — | 16.8% | ||
| Q2 24 | — | 19.9% | ||
| Q1 24 | — | 19.4% |
| Q4 25 | 36.6% | -2.6% | ||
| Q3 25 | 37.6% | -2.4% | ||
| Q2 25 | 34.1% | -5.3% | ||
| Q1 25 | 32.9% | -6.1% | ||
| Q4 24 | — | -4.3% | ||
| Q3 24 | 28.9% | -5.8% | ||
| Q2 24 | 28.7% | -7.9% | ||
| Q1 24 | 25.5% | -5.3% |
| Q4 25 | 16.2% | -6.6% | ||
| Q3 25 | 16.2% | -5.4% | ||
| Q2 25 | 13.3% | -7.7% | ||
| Q1 25 | 11.9% | -12.7% | ||
| Q4 24 | — | -10.7% | ||
| Q3 24 | 8.3% | -6.5% | ||
| Q2 24 | 9.1% | -8.5% | ||
| Q1 24 | 7.1% | -12.3% |
| Q4 25 | $3.32 | $-0.22 | ||
| Q3 25 | $3.17 | $-0.20 | ||
| Q2 25 | $2.49 | $-0.23 | ||
| Q1 25 | $1.93 | $-0.29 | ||
| Q4 24 | — | $-0.26 | ||
| Q3 24 | $1.26 | $-0.16 | ||
| Q2 24 | $1.34 | $-0.20 | ||
| Q1 24 | $0.95 | $-0.27 |
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 | $49.9M |
| Total DebtLower is stronger | $4.0B | $444.1M |
| Stockholders' EquityBook value | $976.8M | $-1.9M |
| Total Assets | $5.3B | $1.2B |
| Debt / EquityLower = less leverage | 4.13× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $156.8M | $49.9M | ||
| Q3 25 | $172.5M | $34.0M | ||
| Q2 25 | $172.9M | $44.0M | ||
| Q1 25 | $187.1M | $33.1M | ||
| Q4 24 | $199.9M | $26.2M | ||
| Q3 24 | $247.4M | $22.4M | ||
| Q2 24 | $250.6M | $24.3M | ||
| Q1 24 | $173.0M | $12.6M |
| Q4 25 | $4.0B | $444.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $3.7B | $393.1M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $976.8M | $-1.9M | ||
| Q3 25 | $952.9M | $11.4M | ||
| Q2 25 | $896.0M | $18.2M | ||
| Q1 25 | $819.1M | $71.4M | ||
| Q4 24 | $767.3M | $97.5M | ||
| Q3 24 | $1.0B | $110.3M | ||
| Q2 24 | $988.1M | $81.5M | ||
| Q1 24 | $953.9M | $91.7M |
| Q4 25 | $5.3B | $1.2B | ||
| Q3 25 | $5.3B | $1.2B | ||
| Q2 25 | $5.2B | $1.2B | ||
| Q1 25 | $5.0B | $1.1B | ||
| Q4 24 | $4.8B | $1.1B | ||
| Q3 24 | $5.0B | $1.1B | ||
| Q2 24 | $4.8B | $1.1B | ||
| Q1 24 | $4.7B | $983.3M |
| Q4 25 | 4.13× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 4.83× | 4.03× | ||
| 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 | $36.7M |
| Free Cash FlowOCF − Capex | $126.9M | $27.8M |
| FCF MarginFCF / Revenue | 26.8% | 8.2% |
| Capex IntensityCapex / Revenue | 5.5% | 2.6% |
| Cash ConversionOCF / Net Profit | 2.00× | — |
| TTM Free Cash FlowTrailing 4 quarters | $244.0M | $-107.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $153.2M | $36.7M | ||
| Q3 25 | $81.6M | $-26.6M | ||
| Q2 25 | $9.5M | $-7.0M | ||
| Q1 25 | $45.3M | $-22.1M | ||
| Q4 24 | $156.2M | $2.8M | ||
| Q3 24 | $45.9M | $-332.0K | ||
| Q2 24 | $35.7M | $-23.7M | ||
| Q1 24 | $51.0M | $8.0M |
| Q4 25 | $126.9M | $27.8M | ||
| Q3 25 | $75.6M | $-44.7M | ||
| Q2 25 | $3.2M | $-27.5M | ||
| Q1 25 | $38.3M | $-63.4M | ||
| Q4 24 | $127.2M | $-15.4M | ||
| Q3 24 | $39.7M | $-36.7M | ||
| Q2 24 | $28.3M | $-59.9M | ||
| Q1 24 | $44.1M | $-60.9M |
| Q4 25 | 26.8% | 8.2% | ||
| Q3 25 | 16.4% | -12.6% | ||
| Q2 25 | 0.7% | -9.8% | ||
| Q1 25 | 9.7% | -29.7% | ||
| Q4 24 | 47.9% | -6.7% | ||
| Q3 24 | 10.8% | -16.6% | ||
| Q2 24 | 8.0% | -28.7% | ||
| Q1 24 | 13.4% | -31.7% |
| Q4 25 | 5.5% | 2.6% | ||
| Q3 25 | 1.3% | 5.1% | ||
| Q2 25 | 1.4% | 7.3% | ||
| Q1 25 | 1.8% | 19.3% | ||
| Q4 24 | 10.9% | 7.9% | ||
| Q3 24 | 1.7% | 16.5% | ||
| Q2 24 | 2.1% | 17.4% | ||
| Q1 24 | 2.1% | 35.8% |
| Q4 25 | 2.00× | — | ||
| Q3 25 | 1.09× | — | ||
| Q2 25 | 0.16× | — | ||
| Q1 25 | 0.97× | — | ||
| Q4 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.
WEST
| Coffee And Tea | $202.6M | 60% |
| Flavors Extracts And Ingredients | $69.6M | 21% |
| Sustainable Sourcing And Traceability Segments | $66.9M | 20% |
