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Side-by-side financial comparison of ENCORE CAPITAL GROUP INC (ECPG) and WYNDHAM HOTELS & RESORTS, INC. (WH). 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 $334.0M, roughly 1.4× WYNDHAM HOTELS & RESORTS, INC.). ENCORE CAPITAL GROUP INC runs the higher net margin — 16.2% vs -18.0%, a 34.2% gap on every dollar of revenue. On growth, ENCORE CAPITAL GROUP INC posted the faster year-over-year revenue change (78.3% vs -76.3%). WYNDHAM HOTELS & RESORTS, INC. produced more free cash flow last quarter ($168.0M vs $126.9M). Over the past eight quarters, ENCORE CAPITAL GROUP INC's revenue compounded faster (20.1% CAGR vs -4.6%).
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.
Wyndham Hotels & Resorts, Inc., is an American hospitality company based in Parsippany, New Jersey, United States. It describes itself as the largest hotel franchisor in the world, with 9,100 locations.
ECPG vs WH — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $473.6M | $334.0M |
| Net Profit | $76.7M | $-60.0M |
| Gross Margin | — | — |
| Operating Margin | 36.6% | — |
| Net Margin | 16.2% | -18.0% |
| Revenue YoY | 78.3% | -76.3% |
| Net Profit YoY | — | -170.6% |
| EPS (diluted) | $3.32 | $-0.80 |
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.
| Q1 26 | — | $334.0M | ||
| Q4 25 | $473.6M | $334.0M | ||
| Q3 25 | $460.4M | $382.0M | ||
| Q2 25 | $442.1M | $397.0M | ||
| Q1 25 | $392.8M | $316.0M | ||
| Q4 24 | $265.6M | $336.0M | ||
| Q3 24 | $367.1M | $396.0M | ||
| Q2 24 | $355.3M | $367.0M |
| Q1 26 | — | $-60.0M | ||
| Q4 25 | $76.7M | $-60.0M | ||
| Q3 25 | $74.7M | $105.0M | ||
| Q2 25 | $58.7M | $87.0M | ||
| Q1 25 | $46.8M | $61.0M | ||
| Q4 24 | — | $85.0M | ||
| Q3 24 | $30.6M | $102.0M | ||
| Q2 24 | $32.2M | $86.0M |
| Q1 26 | — | — | ||
| Q4 25 | 36.6% | -11.4% | ||
| Q3 25 | 37.6% | 46.6% | ||
| Q2 25 | 34.1% | 37.8% | ||
| Q1 25 | 32.9% | 35.4% | ||
| Q4 24 | — | 38.4% | ||
| Q3 24 | 28.9% | 43.2% | ||
| Q2 24 | 28.7% | 39.5% |
| Q1 26 | — | -18.0% | ||
| Q4 25 | 16.2% | -18.0% | ||
| Q3 25 | 16.2% | 27.5% | ||
| Q2 25 | 13.3% | 21.9% | ||
| Q1 25 | 11.9% | 19.3% | ||
| Q4 24 | — | 25.3% | ||
| Q3 24 | 8.3% | 25.8% | ||
| Q2 24 | 9.1% | 23.4% |
| Q1 26 | — | $-0.80 | ||
| Q4 25 | $3.32 | $-0.77 | ||
| Q3 25 | $3.17 | $1.36 | ||
| Q2 25 | $2.49 | $1.13 | ||
| Q1 25 | $1.93 | $0.78 | ||
| Q4 24 | — | $1.06 | ||
| Q3 24 | $1.26 | $1.29 | ||
| Q2 24 | $1.34 | $1.07 |
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 | $64.0M |
| Total DebtLower is stronger | $4.0B | — |
| Stockholders' EquityBook value | $976.8M | $468.0M |
| Total Assets | $5.3B | $4.2B |
| Debt / EquityLower = less leverage | 4.13× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $64.0M | ||
| Q4 25 | $156.8M | $64.0M | ||
| Q3 25 | $172.5M | $70.0M | ||
| Q2 25 | $172.9M | $50.0M | ||
| Q1 25 | $187.1M | $48.0M | ||
| Q4 24 | $199.9M | $103.0M | ||
| Q3 24 | $247.4M | $72.0M | ||
| Q2 24 | $250.6M | $70.0M |
| Q1 26 | — | — | ||
| Q4 25 | $4.0B | $2.5B | ||
| Q3 25 | — | $2.6B | ||
| Q2 25 | — | $2.5B | ||
| Q1 25 | — | $2.5B | ||
| Q4 24 | $3.7B | $2.4B | ||
| Q3 24 | — | $2.4B | ||
| Q2 24 | — | $2.4B |
| Q1 26 | — | $468.0M | ||
| Q4 25 | $976.8M | $468.0M | ||
| Q3 25 | $952.9M | $583.0M | ||
| Q2 25 | $896.0M | $570.0M | ||
| Q1 25 | $819.1M | $579.0M | ||
| Q4 24 | $767.3M | $650.0M | ||
| Q3 24 | $1.0B | $583.0M | ||
| Q2 24 | $988.1M | $623.0M |
| Q1 26 | — | $4.2B | ||
| Q4 25 | $5.3B | $4.2B | ||
| Q3 25 | $5.3B | $4.3B | ||
| Q2 25 | $5.2B | $4.3B | ||
| Q1 25 | $5.0B | $4.2B | ||
| Q4 24 | $4.8B | $4.2B | ||
| Q3 24 | $5.0B | $4.2B | ||
| Q2 24 | $4.8B | $4.2B |
| Q1 26 | — | — | ||
| Q4 25 | 4.13× | 5.37× | ||
| Q3 25 | — | 4.43× | ||
| Q2 25 | — | 4.44× | ||
| Q1 25 | — | 4.29× | ||
| Q4 24 | 4.83× | 3.72× | ||
| Q3 24 | — | 4.19× | ||
| Q2 24 | — | 3.83× |
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 | $367.0M |
| Free Cash FlowOCF − Capex | $126.9M | $168.0M |
| FCF MarginFCF / Revenue | 26.8% | 50.3% |
| Capex IntensityCapex / Revenue | 5.5% | — |
| Cash ConversionOCF / Net Profit | 2.00× | — |
| TTM Free Cash FlowTrailing 4 quarters | $244.0M | $437.0M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $367.0M | ||
| Q4 25 | $153.2M | $152.0M | ||
| Q3 25 | $81.6M | $86.0M | ||
| Q2 25 | $9.5M | $70.0M | ||
| Q1 25 | $45.3M | $59.0M | ||
| Q4 24 | $156.2M | $134.0M | ||
| Q3 24 | $45.9M | $79.0M | ||
| Q2 24 | $35.7M | $1.0M |
| Q1 26 | — | $168.0M | ||
| Q4 25 | $126.9M | $136.0M | ||
| Q3 25 | $75.6M | $75.0M | ||
| Q2 25 | $3.2M | $58.0M | ||
| Q1 25 | $38.3M | $52.0M | ||
| Q4 24 | $127.2M | $109.0M | ||
| Q3 24 | $39.7M | $71.0M | ||
| Q2 24 | $28.3M | $-6.0M |
| Q1 26 | — | 50.3% | ||
| Q4 25 | 26.8% | 40.7% | ||
| Q3 25 | 16.4% | 19.6% | ||
| Q2 25 | 0.7% | 14.6% | ||
| Q1 25 | 9.7% | 16.5% | ||
| Q4 24 | 47.9% | 32.4% | ||
| Q3 24 | 10.8% | 17.9% | ||
| Q2 24 | 8.0% | -1.6% |
| Q1 26 | — | — | ||
| Q4 25 | 5.5% | 4.8% | ||
| Q3 25 | 1.3% | 2.9% | ||
| Q2 25 | 1.4% | 3.0% | ||
| Q1 25 | 1.8% | 2.2% | ||
| Q4 24 | 10.9% | 7.4% | ||
| Q3 24 | 1.7% | 2.0% | ||
| Q2 24 | 2.1% | 1.9% |
| Q1 26 | — | — | ||
| Q4 25 | 2.00× | — | ||
| Q3 25 | 1.09× | 0.82× | ||
| Q2 25 | 0.16× | 0.80× | ||
| Q1 25 | 0.97× | 0.97× | ||
| Q4 24 | — | 1.58× | ||
| Q3 24 | 1.50× | 0.77× | ||
| Q2 24 | 1.11× | 0.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ECPG
Segment breakdown not available.
WH
| Fee-related and other revenues | $334.0M | 100% |
| Management and other fees | $2.0M | 1% |
