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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| ECPG | +97.21% | +85.71% | +13.16% | +656% |
| S&P | +17.45% | +75.43% | +11.88% | +380% |
Encore Capital Group, Inc. is an international specialty finance company, which engages in the provision of debt recovery solutions. It operates through the following geographical segments: United States, Europe, and Other Geographies. The company was founded in 1999 and is headquartered in San Diego, CA.
The debt collector has made investors a bit gun-shy about its future growth prospects.
| Q4 2025 | YOY Change | |
|---|---|---|
| Revenue | $473.55M | 101.2% |
| Gross Profit | $335.22M | 201.1% |
| Gross Margin | 70.79% | 23.5% |
| Market Cap | $1.21B | 7.1% |
| Market Cap / Employee | $164.93K | 0.0% |
| Employees | 7.3K | 0.0% |
| Net Income | $76.66M | 134.0% |
| EBITDA | $180.33M | 883.7% |
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| Q4 2025 | YOY Change | |
|---|---|---|
| Net Cash | $156.78M | -21.6% |
| Inventory | 0 | 0.0% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $4.07B | 8.7% |
| Short Term Debt | $321.00K | 0.0% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 5.07% | 8.0% |
| Return On Invested Capital | 2.00% | -1.4% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $9.88M | -34.1% |
| Operating Free Cash Flow | $16.81M | -28.6% |
| Metric | Q4 2025 | YoY Change | |||
|---|---|---|---|---|---|
| Price to Earnings | 4.96 | - | |||
| Price to Book | 1.06 | 1.11 | 1.08 | 1.30 | 20.72% |
| Price to Sales | 0.60 | 0.62 | 0.64 | 0.70 | -19.89% |
| Price to Tangible Book Value | 3.13 | 3.04 | 2.73 | 2.98 | 10.46% |
| Price to Free Cash Flow TTM | 6.84 | 9.47 | 7.44 | 9.75 | 8.55% |
| Enterprise Value to EBITDA | 32.59 | 29.85 | 26.54 | 28.55 | -114.02% |
| Free Cash Flow Yield | 14.6% | 10.6% | 13.4% | 10.3% | -7.88% |
| Return on Equity | -13.1% | -9.5% | -4.5% | 29.5% | -280.20% |
| Total Debt | $3.79B | $3.97B | $3.93B | $4.07B | 8.66% |
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ECPG earnings call for the period ending September 30, 2021.
ECPG earnings call for the period ending June 30, 2021.
ECPG earnings call for the period ending March 31, 2021.
ECPG earnings call for the period ending December 31, 2020.
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