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. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Weak cash conversion. Significant portion of earnings not converting to cash—review working capital trends and capital intensity.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Flat FCF growth. Stable but not expanding—monitor for signs of business maturity or temporary headwinds.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Encore Capital Group, Inc. Cash Flow Statement
ECPG • NASDAQ
| Encore Capital Group, Inc. Cash Flow 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
256.8M | -139.2M | -206.5M | 194.6M | 351.2M | 212.5M | 168.9M | 109.7M | 79.2M | 19.2M | 47.4M | 98.3M | 73.7M | 71.9M | 61M | 49.1M | 33M | 18.8M | 15M | 24M | |
28.8M | 32.4M | 41.7M | 46.4M | 50.1M | 42.8M | 41M | 41.2M | 40M | 34.9M | 33.9M | 27.9M | 13.5M | 5.8M | 6.5M | 3.2M | 2.6M | 4.2M | 4.6M | 5.2M | |
29.8M | -22.3M | -55.9M | 46.4M | 35.4M | 11.9M | 22.3M | 16.8M | 29M | -52.9M | -32.4M | -48.1M | -28.2M | -7.5M | -1.9M | 646K | 1.9M | 1.5M | 3M | 3.4M | |
18.3M | 14M | 13.9M | 15.4M | 18.3M | 16.6M | 12.6M | 13M | 10.4M | 12.6M | 22M | 17.2M | 12.6M | 8.8M | 7.7M | 6M | 4.4M | 3.6M | 0.0 | 0.0 | |
-186.8M | 243.1M | 354.4M | -54.4M | -154.9M | 83.8M | 62.4M | 1.8M | -5.6M | 109.1M | 78.5M | 45K | -7.5M | 5.3M | 5.7M | 22.6M | 19.4M | 36.4M | 17M | 9M | |
(0.0) | (67.1M) | (68.5M) | (71.3M) | (42M) | (88.8M) | (44M) | (5.7M) | (42.4M) | (60.1M) | (84.1M) | (69.9M) | (66.8M) | (46.3M) | (32.1M) | (30.1M) | (8.2M) | (0.0) | (0.0) | (0.0) | |
6.3M | 28.2M | 5.5M | -37.7M | 3M | -54.7M | -62.5M | 4.3M | -29.1M | 7.5M | -35.1M | 16.2M | 10.5M | 14.1M | 5.6M | -8.1M | 14.8M | -1.4M | -23.7M | -3.6M | |
153.2M | 156.2M | 153M | 210.7M | 303.1M | 312.9M | 244.7M | 186.8M | 123.8M | 130.3M | 114.4M | 111.5M | 74.8M | 98.5M | 84.6M | 73.5M | 76.1M | 63.1M | 15.8M | 38M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-26.3M | -29M | -51.7M | -76.6M | -33.4M | -34.6M | -39.6M | -67.5M | -28.1M | -31.7M | -28.6M | -23.2M | -13.4M | -6.3M | -5.6M | -2.7M | -4.6M | -2.3M | -1.4M | -2.4M | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -1.9M | -96.4M | (105.4M) | -276.6M | -495.8M | -449M | -186.7M | (88.1M) | (140.1M) | (74.5M) | (105M) | (0.0) | (34.8M) | |
(0.0) | (0.0) | -1.1B | -790.6M | -657.3M | -644M | -1B | -1.1B | -1B | -907.4M | -749.8M | -863M | -249.6M | -562.3M | -386.9M | -362M | -246.3M | -224.7M | -197.2M | -133.7M | |
0.0 | 0.0 | 658.1M | 709.2M | 1B | 737.1M | 865.6M | 809.7M | 709.4M | 668.1M | 635.9M | 634M | 546.4M | 409.9M | 304.3M | 221.9M | 171.8M | 119.7M | 105.9M | 98.9M | |
-216.3M | -411.4M | 78.7M | 27.7M | 10.9M | 24.3M | 6.8M | 11.5M | 8.8M | -3.2M | -53.6M | -7.1M | -51.6M | 1.7M | -88.1M | -140.1M | -74.5M | -105M | -2.3M | -34.8M | |
-242.6M | -440.4M | -401.9M | -130.2M | (339.9M) | (82.8M) | -202.3M | -397.5M | -452.1M | -168.8M | -472.7M | -755.2M | -217.2M | -343.8M | -88.1M | -142.8M | -79.2M | -107.3M | -95.1M | -37.2M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-90.4M | 0.0 | 0.0 | -87M | -390.6M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -33.2M | -16.8M | -729K | -49.3M | 0.0 | 2.1M | 0.0 | 23K | 348K | 149K | |
139.4M | 374.3M | 275.3M | 3.6M | -252.9M | -362.4M | 16.4M | 452M | 436.1M | 81M | 441.8M | 698.1M | 300.5M | 331.2M | -1.8M | 72.2M | -802K | 45.4M | 72.3M | 2M | |
-90.4M | (0.0) | (0.0) | -87M | -390.6M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -33.2M | -16.8M | -729K | -49.3M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
-4.1M | -56.5M | -7M | -24M | -12.2M | -40.8M | -36.2M | -285.6M | -57.8M | -37.8M | -6.7M | -54.2M | -53.7M | -27.2M | 2.5M | -2.5M | 1.9M | 400K | 698K | 768K | |
44.9M | 317.8M | 268.3M | -107.4M | -655.7M | -403.2M | -19.8M | 166.4M | 378.2M | 43.3M | 401.8M | 626.3M | 246M | 254.7M | 651K | 71.9M | 1.1M | 45.8M | 73.3M | 2.9M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
1.5M | 8M | -4.9M | -18.7M | 13.2M | 4.4M | 12.3M | -10.4M | 12.5M | -8.6M | -14.1M | 15.3M | 5.2M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
-43.1M | 41.5M | 14.5M | -45.7M | 461K | -3.2M | 34.9M | -54.7M | 62.4M | -3.8M | 29.4M | -2.1M | 108.7M | 9.5M | -2.9M | 2.5M | -2M | 1.7M | -5.9M | 3.8M | |
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 | 8.7M | 10.8M | 7M | |
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 | |
126.9M | 127.2M | 101.3M | 134.1M | 269.7M | 278.3M | 205.1M | 119.3M | 95.7M | 98.7M | 85.8M | 88.3M | 61.4M | 92.3M | 79M | 70.7M | 71.5M | 60.8M | 14.4M | 35.6M |
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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