ECPG - NASDAQ

Encore Capital Group, Inc.

ECPG·NASDAQ

$78.01

-0.70%

Financial ServicesFinancial - Mortgages

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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$1.67B

EPS11.0500

P/E Ratio7.06

Earnings Date08/05/2026

5.34B

Assets

11%

3Y+18.0%

5Y+10.0%

10Y+45.0%

4.36B

Total Liabilities

3Y+31.0%

5Y+20.0%

10Y+42.0%

976.75M

Total Equity

27%

3Y-17.0%

5Y-20.0%

10Y+63.0%

Encore Capital Group, Inc. Funding & Solvency Profile

ECPG · NASDAQ

Current Assets

Cash & Cash Equivalents156.78M

Net Receivables34.24M

Inventory0.00

Other Current Assets0.00

Total Current Assets191 M

Non-Current Assets

Property, Plant & Equipment138.71M

Goodwill & Intangible Assets536.29M

Long-Term Investments4.39B

Other Non-Current Assets78.12M

Total Non-Current Assets5 B

Total Assets

5.34B

Financial Health Analysis

Current Ratio

595.09x

Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.

Debt-to-Equity Ratio

4.47x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

191 M

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

4% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Mixed signals: Strong short-term liquidity provides comfort, but high overall leverage requires careful monitoring of debt servicing capabilities and refinancing risk.

Encore Capital Group, Inc. Balance Sheet

ECPG • NASDAQ

Encore Capital Group, Inc. Balance Sheet	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
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	156.8M	199.9M	158.4M	143.9M	189.6M	189.2M	192.3M	157.4M	212.1M	149.8M	153.6M	124.2M	126.2M	17.5M	8M	10.9M	8.4M	10.3M	4.9M	10.8M
Short-Term Investments	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	526.9M	461.3M	392.2M	300.3M
Cash & Short-Term Investments	156.8M	199.9M	158.4M	143.9M	189.6M	189.2M	192.3M	157.4M	212.1M	149.8M	153.6M	124.2M	126.2M	17.5M	8M	10.9M	535.3M	471.7M	397.1M	311.1M
Net Receivables	34.2M	3.8B	9.1M	16.1M	22.6M	26.5M	45M	75.4M	63.5M	33.9M	33.6M	294.3M	237.7M	139.1M	3.3M	3.3M	3.1M	1.8M	4.1M	2.6M
Accounts Receivables	34.2M	3.8B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	22.7M	0.0	139.1M	2.2M	3.3M	3.1M	1.8M	4.1M	2.6M
Other Receivables	0.0	0.0	9.1M	16.1M	22.6M	26.5M	45M	75.4M	63.5M	33.9M	33.6M	236.7M	237.7M	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Inventory	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-127.1M	-147.1M	-79.1M	-50.2M	-38.3M	-28.5M	0.0	0.0	0.0	552.8M	0.0	0.0	0.0
Prepaids	0.0	46M	41.6M	48.6M	46.3M	62.6M	28.1M	25M	55.5M	18.7M	47.7M	21.4M	28.5M	6.4M	5.2M	0.0	0.0	0.0	10.3M	3.7M
Other Current Assets	0.0	-3.8B	0.0	0.0	0.0	0.0	0.0	26.7M	46.9M	21.1M	389.7M	16.9M	0.0	0.0	0.0	0.0	0.0	0.0	3.8M	4.7M
Total Current Assets	191M	245.9M	209.1M	208.6M	258.5M	278.3M	265.4M	157.4M	212.1M	149.8M	460M	383.6M	339M	163.1M	11.3M	14.2M	564.4M	501.8M	415.4M	322.1M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	138.7M	138.7M	171M	184M	188.7M	199.5M	195.3M	115.5M	76.3M	72.3M	73.5M	67M	55.8M	23.2M	17.8M	13.7M	9.4M	6.3M	4.4M	5.2M
Goodwill	0.0	507.8M	606.5M	821.2M	897.8M	907M	884.2M	868.1M	929M	785M	924.8M	897.9M	504.2M	55.4M	16M	16M	16M	16M	16M	13.7M
Intangible Assets	536.3M	0.0	48K	22.1M	36.3M	45M	51.4M	60.6M	75.7M	28.2M	15.7M	21.6M	23.5M	487K	462K	748K	1.1M	1.7M	2.6M	3.6M
Goodwill & Intangible Assets	536.3M	507.8M	606.5M	843.3M	934.1M	952M	935.6M	928.7M	1B	813.3M	940.6M	919.5M	527.8M	55.9M	16.4M	16.7M	17.1M	17.7M	18.5M	17.4M
Long-Term Investments	4.4B	3.8B	3.5B	3.1B	3.1B	3.3B	3.3B	3.1B	2.9B	2.4B	2.4B	2.1B	1.6B	873.1M	716.5M	644.8M	526.9M	0.0	0.0	0.0
Tax Assets	5.8M	8.4M	17.3M	18.1M	51.5M	33.2M	24.1M	24.9M	18.8M	51.1M	27.3M	33.7M	14M	54M	38.5M	33.8M	-526.9M	0.0	0.0	0.0
Other Non-Current Assets	78.1M	112.6M	158.2M	166.1M	109.8M	109.7M	205.5M	328M	363.9M	229.6M	293.6M	224.4M	182M	2M	12M	13.3M	4.3M	23.5M	45.2M	50.6M
Total Non-Current Assets	5.1B	4.5B	4.4B	4.3B	4.3B	4.6B	4.6B	4.5B	4.3B	3.5B	3.8B	3.4B	2.3B	1B	801.2M	722.2M	30.8M	47.5M	68.1M	73.2M
Total Assets	5.3B	4.8B	4.6B	4.5B	4.6B	4.9B	4.9B	4.6B	4.5B	3.7B	4.2B	3.8B	2.7B	1.2B	812.5M	736.5M	595.2M	549.3M	483.5M	395.3M
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	212M	173.9M	0.0	0.0	0.0	223.9M	287.9M	284.8M	234.4M	290.6M	232M	137.3M	43.9M	29.6M	26.5M	24.5M	18.2M	20.3M	23.7M
Accounts Payable	0.0	212M	173.9M	0.0	0.0	0.0	223.9M	287.9M	284.8M	234.4M	290.6M	232M	137.3M	43.9M	29.6M	26.5M	21.8M	18.2M	20.3M	23.7M
Other Payables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-21.8M	0.0	0.0	0.0
Accrued Expenses	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	6.9M
Short Term Debt	321K	0.0	29.3M	68.4M	514.1M	627.6M	1.1B	115.4M	0.0	0.0	0.0	0.0	0.0	258M	5.6M	0.0	0.0	0.0	0.0	0.0
Tax Payables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	3.1M	0.0	1.6M	2.7M	7.9M	10.3M	3.7M
Deferred Revenue	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	3.9M	5.5M	5.2M	3.9M	2.2M
Other Current Liabilities	0.0	21.5M	16M	198.2M	229.6M	215.9M	0.0	-107.8M	1.1M	0.0	3.6M	591.4M	356M	122.2M	-5.6M	-21.1M	-21.8M	15.2M	-10M	-26.9M
Total Current Liabilities	321K	233.5M	219.2M	266.6M	743.7M	843.5M	1.3B	287.9M	284.8M	234.4M	294.2M	232M	137.3M	424.1M	29.6M	26.5M	47M	38.6M	24.2M	32.8M
NON-CURRENT LIABILITIES
Long Term Debt	4.1B	3.7B	3.3B	2.8B	2.5B	2.6B	2.4B	3.4B	3.4B	2.8B	2.9B	2.8B	1.8B	438.8M	380M	385.3M	258M	311.3M	272.4M	200.1M
Deferred Revenue (Non-Current)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	3.8B	3.8B	3.1B	0.0	0.0	0.0	0.0	0.0	3.9M	-17M	-15.2M	0.0	0.0
Deferred Tax Liabilities (Non-Current)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	5.1M	6.1M	5.1M	0.0	0.0	7.2M	8.2M	15.7M	17.6M	17M	15.2M	13.7M	10.7M
Other Non-Current Liabilities	230.9M	116.1M	186M	231.7M	195.9M	146.9M	147.4M	141.4M	34M	29.6M	333.1M	79.7M	83.8M	-114.9M	12.2M	485K	62.2M	29M	11.6M	27.5M
Total Non-Current Liabilities	4.4B	3.8B	3.5B	3.1B	2.7B	2.8B	2.6B	3.5B	3.5B	2.8B	3.3B	2.9B	1.9B	341.4M	411.3M	407.2M	305.1M	314.8M	287.7M	211.4M
Capital Lease Obligations	65.7M	1.1M	2.8M	5.7M	7M	8.3M	8.1M	7.6M	6.1M	5.1M	11.1M	15.3M	12.2M	9.3M	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	4.4B	4B	3.7B	3.3B	3.4B	3.6B	3.9B	3.8B	3.8B	3.1B	3.6B	3.1B	2.1B	765.5M	440.9M	433.8M	352.1M	353.4M	312M	244.2M
SHAREHOLDERS' EQUITY
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	720.2M	616.3M	560.6M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Common Stock	217K	237K	235K	233K	245K	313K	311K	309K	258K	256K	253K	258K	255K	232K	245K	240K	234K	231K	230K	228K
Additional Paid-In Capital	0.0	19.3M	11.1M	0.0	0.0	230.4M	222.6M	208.5M	42.6M	103.4M	110.5M	125.3M	171.8M	88M	123.4M	113.4M	104.3M	98.5M	73.3M	66.5M
Retained Earnings	1.1B	909.9M	1B	1.3B	1.2B	1.1B	888.1M	720.2M	616.3M	560.6M	543.5M	498.4M	394.6M	319.3M	249.9M	188.9M	139.8M	117.8M	99M	83.9M
Accumulated Other Comprehensive Income/Loss	-128.1M	-162.1M	-123.9M	-98.8M	-53.5M	-68.8M	-88.8M	-111M	-77.4M	-104.9M	-57.8M	-922K	5.2M	-1.8M	-2M	-21.7M	-1.2M	-2.1M	-995K	443K
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-7.5M	0.0	0.0
Total Stockholders' Equity	976.8M	767.3M	936.5M	1.2B	1.2B	1.2B	1B	818M	581.9M	562.3M	602.6M	632.1M	571.9M	405.8M	371.5M	302.7M	243.1M	195.9M	171.5M	151.1M
Total Equity	976.8M	767.3M	936.5M	1.2B	1.2B	1.2B	1B	819.7M	723.9M	600.5M	648.5M	664.9M	602.5M	405.8M	371.5M	302.7M	243.1M	195.9M	171.5M	151.1M
Minority Interest	0.0	0.0	0.0	0.0	0.0	2.5M	3.2M	1.7M	142M	38.2M	45.9M	32.9M	30.6M	0.0	0.0	0.0	0.0	0.0	0.0	0.0
SUMMARY
Total Liabilities & Equity	5.3B	4.8B	4.6B	4.5B	4.6B	4.9B	4.9B	4.6B	4.5B	3.7B	4.2B	3.8B	2.7B	1.2B	812.5M	736.5M	595.2M	549.3M	483.5M	395.3M
Total Investments	4.4B	3.8B	3.5B	3.1B	3.1B	3.3B	3.3B	3.1B	2.9B	2.4B	2.4B	2.1B	1.6B	873.1M	716.5M	644.8M	1.1B	461.3M	392.2M	300.3M
Total Debt	4.1B	3.7B	3.3B	2.9B	3B	3.3B	3.5B	3.5B	3.4B	2.8B	3.2B	2.8B	1.9B	706M	389M	385.3M	303.1M	311.3M	272.4M	200.1M
Net Debt	4B	3.5B	3.2B	2.8B	2.8B	3.1B	3.3B	3.3B	3.2B	2.7B	3.1B	2.6B	1.7B	688.5M	380.9M	374.4M	294.7M	301M	267.5M	189.3M
Shares Outstanding	22,303,700	22,303,700	22,303,700	22,303,700	22,303,700	22,303,700	22,303,700	22,303,700	22,303,700	22,303,700	22,303,700	22,303,700	22,303,700	22,303,700	22,303,700	22,303,700	22,303,700	22,303,700	22,303,700	22,303,700

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	View Filing
8-K 8-K 2026 N/A	May 26, 2026	May 22, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 14, 2026	May 12, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 12, 2026	May 11, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 06, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 06, 2026	May 06, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 29, 2026	June 12, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 20, 2026	March 18, 2026	2026	View Filing
10-K 10-K 2025 FY FY	February 25, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 25, 2026	February 25, 2026	2026	View Filing

Showing 1 to 10 of 570 filings

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