ECPG - NASDAQ
Encore Capital Group, Inc.
$78.01
-0.70%Encore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide. The company purchases portfolios of defaulted consumer receivables at deep discounts to face value, as well as manages them by working with individuals as they repay their obligations and works toward financial recovery. It is also involved in the provision of early stage collection, business process outsourcing, and contingent collection services, as well as debt servicing and other portfolio management services to credit originator for non-performing loans. The company was incorporated in 1999 and is headquartered in San Diego, California.
At a Glance
Live SnapshotEncore Capital Group, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Outstanding operational efficiency. The company generates substantial profit from core operations.
Net Profit Margin
Strong net margins indicate efficient operations and favorable tax/interest management.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.
Encore Capital Group, Inc. Income Statement
ECPG • NASDAQ
| Encore Capital Group, Inc. Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | ||||||||||||||||||||
1.8B | 1.3B | 1.2B | 1.4B | 1.6B | 1.5B | 1.4B | 1.4B | 1.2B | 1B | 1.2B | 1.1B | 773.4M | 555.9M | 467.4M | 381.3M | 316.4M | 255.9M | 254M | 255.1M | |
GROSS PROFIT | ||||||||||||||||||||
(546.7M) | (712.8M) | (651.4M) | (628.6M) | (686.5M) | (667M) | (642.9M) | (622.2M) | (559.5M) | (518.1M) | (538M) | (485.3M) | (385.1M) | (285.1M) | (121.3M) | (102.2M) | (84M) | (119.8M) | (100.2M) | (52.1M) | |
1.2B | 603.6M | 571.2M | 769.7M | 928M | 834.4M | 754.8M | 739.8M | 627.5M | 511.2M | 623.5M | 587.5M | 388.3M | 270.8M | 346.1M | 279.2M | 232.4M | 136.1M | 153.8M | 203.1M | |
OPERATING INCOME | ||||||||||||||||||||
(592.2M) | (446.2M) | (554.7M) | (307.5M) | (294.7M) | (300.8M) | (308.4M) | (334.5M) | (303M) | (269.7M) | (329M) | (268.1M) | (189.9M) | (116.6M) | (346.6M) | (284.3M) | (249.8M) | (97.1M) | (101.7M) | (131.5M) | |
(165.9M) | (163.8M) | (144.9M) | (145.8M) | (137.7M) | (149.1M) | (148.3M) | (158.4M) | (158.1M) | (134M) | (196.8M) | (146.3M) | (109.7M) | (61.8M) | (302.2M) | (244.7M) | (221.2M) | (94.2M) | (98.3M) | (127.6M) | |
623.6M | 157.3M | 16.5M | 462.2M | 633.3M | 533.6M | 446.3M | 405.3M | 324.5M | 241.5M | 245.3M | 319.4M | 198.4M | 154.2M | 120.8M | 97M | 66.6M | 39M | 52.2M | 71.6M | |
PRE-TAX INCOME | ||||||||||||||||||||
(287.6M) | (252.5M) | (201.9M) | (153.3M) | (169.6M) | (209.4M) | (217.8M) | (237.4M) | (204.2M) | (198.4M) | (186.6M) | (166.9M) | (73.3M) | (23.3M) | (21.1M) | (19.3M) | (16.2M) | (20.6M) | (0.0) | (0.0) | |
-287.6M | -252.5M | -201.9M | -153.3M | -169.6M | -209.4M | -217.8M | -237.4M | -204.2M | -198.4M | -186.6M | -166.9M | -73.3M | -25.6M | -21.1M | -19.3M | -16.2M | -20.6M | 0.0 | 0.0 | |
(426.3M) | (282.4M) | (409.8M) | (161.7M) | (157M) | (151.7M) | (160.2M) | -8.8M | (10.8M) | (14.2M) | (2.2M) | (113K) | -4.2M | (1.7M) | (44.4M) | (39.6M) | (28.6M) | (2.8M) | (3.4M) | (3.9M) | |
-287.4M | -253.5M | -196.8M | -151.2M | -196.7M | -250.7M | -245.1M | -248.8M | -193.3M | -184.1M | -184.3M | -155.9M | -77.5M | -23.9M | -21.5M | -19M | -12.9M | -15.4M | -28.7M | -30.4M | |
336.2M | -96.2M | -180.3M | 311M | 436.5M | 282.9M | 201.2M | 156.5M | 131.2M | 57.4M | 61M | 152.6M | 120.9M | 130.3M | 99.3M | 78M | 53.7M | 31.8M | 23.5M | 41.2M | |
NET INCOME | ||||||||||||||||||||
(79.3M) | (43M) | (26.2M) | (116.4M) | (85.3M) | (70.4M) | (32.3M) | (46.8M) | (52M) | (38.2M) | (13.6M) | (52.7M) | (45.4M) | (51.8M) | (38.3M) | (28.9M) | (20.7M) | (13M) | (8.4M) | (17.2M) | |
256.8M | -139.2M | -206.5M | 194.6M | 350.8M | 211.8M | 167.9M | 115.9M | 83.2M | 76.6M | 45.1M | 103.7M | 75.3M | 69.5M | 61M | 49.1M | 33M | 18.8M | 15M | 24M |
SEC Filings
ECPG - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 29, 2026 | May 28, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 26, 2026 | May 22, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 14, 2026 | May 12, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 12, 2026 | May 11, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 06, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 06, 2026 | May 06, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 29, 2026 | June 12, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 20, 2026 | March 18, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 25, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 25, 2026 | February 25, 2026 | 2026 |
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