MARKETS / NASDAQ / ECPG

NASDAQ · SHORT-TERM BUSINESS CREDIT INSTITUTIONS · LARGE CAP

Encore Capital Group Inc. ECPG

17 fiscal years on record · USD · FY2025 reported · SEC filings only

Revenue

$88.4M

▲ 4.3% YoY

Net income

$256.8M

Free cash flow

$126.9M

▼ 0.2% YoY

In brief

What this company does

Encore Capital Group, Inc. is an international specialty finance company providing debt recovery solutions and other related services for consumers across a broad range of financial assets. Encore Capital Group, Inc. primarily purchases portfolios of defaulted consumer receivables at deep discounts to face value and manages them by working with individuals as they repay their obligations and work toward financial recovery. Encore Capital Group, Inc.'s headquarters is located in San Diego, California 92108. As of December 31, 2025, Encore Capital Group, Inc. had approximately 7,350 employees, of which approximately 21% were in the United States and 79% were in its international locations.

Written from the business description in ENCORE CAPITAL GROUP, INC.'s annual report to the U.S. Securities and Exchange Commission, filed 25 February 2026. Every sentence was checked against that document before publication.

Growth

USD 88.4M

Revenue, FY2025 · full 17-year series below

Revenue $B Net income $B

FY2025 · Revenue 0.1 · Net income 0.3

Compound annual growth

Revenue

−2.3%

−5.1%

−22.5%

−9.0%

Net income

+9.7%

+3.9%

+19.0%

+11.7%

EPS, diluted

+13.5%

+10.3%

+20.5%

+12.2%

Returned to shareholders

+1.3%

+10.9%

3 yrs

5 yrs

10 yrs

15 yrs

Revenue compounded at −5.1% a year over five years — but profit grew faster: net income at +3.9%, earnings per share at +10.3%.

The share count fell from 0.03B to 0.02B — the buyback concentrates the same profit into fewer slices.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

291 cents

of every revenue dollar became profit

Operating margin Net margin

FY2025 · Operating 709.0% · Net 290.6%

ROE

FY2022 · ROE 16.4%

Gross margin—

Operating margin709.0%

Net margin290.6%

Return on assets5.1%

EBITDAUSD 655.4M

Cash & shareholders

USD 90.4M

returned in FY2025 · dividends + net buybacks

Free cash flow $M

FY2025 · FCF 126.9

Net buybacks $M Dividends $M

FY2025 · Dividends — · Net buybacks 90.4

Dividends paid—

Net buybacksUSD 90.4M

Share of profit35.2%

Consecutive raises—

USD 90.4M in buybacks — 35% of the year's profit went back to shareholders.

Total assetsUSD 5.3B

CashUSD 156.8M

Gross debtUSD 4.0B

Net debtUSD 3.9B

Not available: we don't have the shareholders' equity figure for this period.

The 17-year record

17 fiscal years

Every figure from documents filed with the SEC · USD

row low → row highnegative

Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Revenue $B	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	1.1	1.0	0.8	0.6	0.4	0.4	0.3
Operating income $B	0.6	0.2	0.0	0.5	0.6	0.5	0.4	0.4	0.3	0.2	0.3	0.3	0.2	0.2	0.1	0.1	0.1
EBITDA $B	0.7	0.2	0.1	0.5	0.7	0.6	0.5	0.4	0.4	0.3	0.3	0.3	0.2	0.2	0.1	0.1	·
Income tax $B	0.1	0.0	0.0	0.1	0.1	0.1	0.0	0.0	0.1	0.0	0.0	0.0	0.0	0.1	0.0	0.0	0.0
Net income $B	0.3	−0.1	−0.2	0.2	0.4	0.2	0.2	0.1	0.1	0.1	0.0	0.1	0.1	0.1	0.1	0.0	0.0
Free cash flow $B	0.1	0.1	0.1	0.2	0.3	0.3	0.2	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1
EPS, diluted $	10.91	−5.83	−8.72	7.46	11.26	6.68	5.33	4.06	3.15	2.96	1.69	3.77	2.87	2.69	2.37	1.95	1.37
Dividend / sh $	·	·	·	·	·	·	·	·	·	·	·	·	·	·	·	·	·
Payout %	·	·	·	·	·	·	·	·	·	·	·	·	·	·	·	·	·
ROE %	·	·	·	16.4	29.2	18.9	18.2	16.6	14.6	13.3	7.4	17.4	15.4	17.9	18.1	18.0	13.6
Shares out B	0.02	0.02	0.02	0.02	0.02	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.02	0.02	0.02	·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance

Company facts, as filed

How we verify · 0 failures in 50 reconciliationsAUDITED

Reconciled in 17 of 19 fiscal years. 7 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures

ActivityShort-Term Business Credit Institutions

Listed onNASDAQ

Incorporated inDelaware

Fiscal year endsDecember 31

Data on record since2009