Encore Capital Group (ECPG) Financials

$38.17 -0.64 (-1.65%)

Closing price 05/23/2025 04:00 PM Eastern

Extended Trading

$38.16 -0.01 (-0.01%)

As of 05/23/2025 04:04 PM Eastern

Annual Income Statements for Encore Capital Group

This table shows Encore Capital Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Net Income / (Loss) Attributable to Common Shareholders	-139	-206	195
Consolidated Net Income / (Loss)	-139	-206	195
Net Income / (Loss) Continuing Operations	-139	-206	195
Total Pre-Tax Income	-96	-180	311
Total Operating Income	157	17	462
Total Gross Profit	893	831	1,023
Total Revenue	1,316	1,223	1,398
Operating Revenue	1,316	1,223	1,398
Total Cost of Revenue	423	392	375
Operating Cost of Revenue	423	392	375
Total Operating Expenses	736	815	561
Selling, General & Admin Expense	295	256	257
Depreciation Expense	32	42	46
Other Operating Expenses / (Income)	290	260	254
Impairment Charge	119	257	4.08
Total Other Income / (Expense), net	-254	-197	-151
Interest Expense	260	202	153
Other Income / (Expense), net	6.83	5.08	2.12
Income Tax Expense	43	26	116
Basic Earnings per Share	($5.83)	($8.72)	$8.06
Weighted Average Basic Shares Outstanding	23.87M	23.67M	24.14M
Diluted Earnings per Share	($5.83)	($8.72)	$7.46
Weighted Average Diluted Shares Outstanding	23.87M	23.67M	26.09M
Weighted Average Basic & Diluted Shares Outstanding	23.69M	23.55M	23.32M

This table shows Encore Capital Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Income / (Loss) Attributable to Common Shareholders	47	-225	31	32	23	-271	19	26	19	-73	31
Consolidated Net Income / (Loss)	47	-225	31	32	23	-271	19	26	19	-73	31
Net Income / (Loss) Continuing Operations	47	-225	31	32	23	-271	19	26	19	-73	31
Total Pre-Tax Income	60	-210	41	43	30	-272	30	36	25	-46	42
Total Operating Income	129	-134	106	102	84	-217	76	88	70	-2.31	81
Total Gross Profit	287	161	260	249	224	151	232	231	218	311	219
Total Revenue	393	266	367	355	328	247	327	327	322	401	308
Operating Revenue	393	266	367	355	328	247	327	327	322	401	308
Total Cost of Revenue	106	105	108	107	104	97	95	96	104	90	89
Operating Cost of Revenue	106	105	108	107	104	97	95	96	104	90	89
Total Operating Expenses	158	295	153	147	141	368	156	143	148	313	138
Selling, General & Admin Expense	75	90	71	68	67	66	64	61	66	69	66
Depreciation Expense	7.34	8.97	8.16	7.46	7.85	8.97	11	11	11	11	12
Other Operating Expenses / (Income)	75	77	75	72	66	36	81	71	72	230	61
Total Other Income / (Expense), net	-69	-76	-65	-59	-53	-55	-45	-52	-45	-44	-38
Interest Expense	71	76	67	61	56	55	51	50	47	42	39
Other Income / (Expense), net	1.65	0.54	1.58	2.05	2.67	-0.00	5.10	-1.76	1.73	-1.27	1.21
Income Tax Expense	14	15	10	10	7.25	-0.93	11	10	6.41	27	11
Basic Earnings per Share	$1.96	($9.44)	$1.28	$1.35	$0.98	($11.44)	$0.82	$1.11	$0.79	($2.84)	$1.31
Weighted Average Basic Shares Outstanding	23.88M	23.87M	23.91M	23.88M	23.78M	23.67M	23.71M	23.67M	23.55M	24.14M	23.96M
Diluted Earnings per Share	$1.93	($9.38)	$1.26	$1.34	$0.95	($11.34)	$0.79	$1.08	$0.75	($2.45)	$1.22
Weighted Average Diluted Shares Outstanding	24.27M	23.87M	24.41M	24.10M	24.47M	23.67M	24.38M	24.28M	24.94M	26.09M	25.92M
Weighted Average Basic & Diluted Shares Outstanding	23.35M	23.69M	23.69M	23.69M	23.69M	23.55M	23.53M	23.49M	23.48M	23.32M	23.39M

This table details how cash moves in and out of Encore Capital Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Net Change in Cash & Equivalents	34	19	-27
Net Cash From Operating Activities	156	153	211
Net Cash From Continuing Operating Activities	156	153	211
Net Income / (Loss) Continuing Operations	-139	-206	195
Consolidated Net Income / (Loss)	-139	-206	195
Depreciation Expense	32	42	46
Non-Cash Adjustments To Reconcile Net Income	239	370	-58
Changes in Operating Assets and Liabilities, net	24	-53	27
Net Cash From Investing Activities	-440	-402	-130
Net Cash From Continuing Investing Activities	-440	-402	-130
Purchase of Property, Plant & Equipment	-29	-25	-37
Purchase of Investments	-1,336	-1,060	-791
Sale of Property, Plant & Equipment	56	53	28
Other Investing Activities, net	869	630	670
Net Cash From Financing Activities	318	268	-107
Net Cash From Continuing Financing Activities	318	268	-107
Repayment of Debt	-2,674	-1,262	-800
Repurchase of Common Equity	0.00	0.00	-87
Issuance of Debt	3,031	1,530	780
Other Financing Activities, net	-40	0.00	0.00
Cash Interest Paid	211	164	131
Cash Income Taxes Paid	67	69	71

This table details how cash moves in and out of Encore Capital Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Net Change in Cash & Equivalents	-15	-54	-6.90	78	16	15	-35	23	16	-0.51	-4.53
Net Cash From Operating Activities	45	24	46	36	51	37	54	27	36	56	56
Net Cash From Continuing Operating Activities	45	24	46	36	51	37	54	27	36	56	56
Net Income / (Loss) Continuing Operations	47	-225	31	32	23	-271	19	26	19	-73	31
Consolidated Net Income / (Loss)	47	-225	31	32	23	-271	19	26	19	-73	31
Depreciation Expense	7.34	8.97	8.16	7.46	7.85	8.97	11	11	11	11	12
Non-Cash Adjustments To Reconcile Net Income	-14	221	-4.50	3.10	19	317	24	11	18	97	20
Changes in Operating Assets and Liabilities, net	5.64	19	12	-7.03	0.40	-18	-0.97	-22	-12	20	-6.91
Net Cash From Investing Activities	-100	-265	-44	-41	-91	-131	-56	-84	-131	-90	-76
Net Cash From Continuing Investing Activities	-100	-265	-44	-41	-91	-131	-56	-84	-131	-90	-76
Purchase of Property, Plant & Equipment	-6.99	-8.56	-6.20	-7.39	-6.86	-8.04	-7.26	-4.62	-4.89	-16	-9.13
Purchase of Investments	-363	-492	-278	-276	-291	-288	-227	-270	-275	-222	-231
Other Investing Activities, net	269	179	240	242	207	112	178	191	149	120	164
Net Cash From Financing Activities	40	187	-9.01	84	56	109	-32	80	110	33	15
Net Cash From Continuing Financing Activities	40	187	-9.01	84	56	109	-32	80	110	33	15
Repayment of Debt	-196	-1,345	-74	-561	-693	-548	-219	-135	-359	-99	-150
Repurchase of Common Equity	-10	-	-	-	-	-	-	-	-	-10	-26
Issuance of Debt	246	1,573	65	645	749	670	185	216	459	142	190
Cash Interest Paid	41	72	58	34	46	44	41	41	38	37	30
Cash Income Taxes Paid	1.25	5.84	19	41	1.54	18	14	36	0.91	7.57	19

This table presents Encore Capital Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Total Assets	4,790	4,630	4,508
Total Current Assets	200	158	144
Cash & Equivalents	200	158	144
Plant, Property, & Equipment, net	81	104	114
Total Noncurrent Assets	4,509	4,368	4,251
Noncurrent Note & Lease Receivables	3,776	3,468	3,088
Goodwill	508	606	821
Other Noncurrent Operating Assets	225	293	341
Total Liabilities & Shareholders' Equity	4,790	4,630	4,508
Total Liabilities	4,022	3,694	3,329
Total Current Liabilities	234	190	198
Accounts Payable	234	190	198
Total Noncurrent Liabilities	3,789	3,504	3,131
Long-Term Debt	3,673	3,318	2,899
Other Noncurrent Operating Liabilities	116	186	232
Commitments & Contingencies	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	767	937	1,180
Total Preferred & Common Equity	767	937	1,180
Preferred Stock	0.00	0.00	0.00
Total Common Equity	767	937	1,180
Common Stock	20	11	0.23
Retained Earnings	910	1,049	1,278
Accumulated Other Comprehensive Income / (Loss)	-162	-124	-99

This table presents Encore Capital Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q1 2025	Q3 2024	Q2 2024	Q1 2024	Q3 2023	Q2 2023	Q1 2023	Q3 2022
Period end date	3/31/2025	9/30/2024	6/30/2024	3/31/2024	9/30/2023	6/30/2023	3/31/2023	9/30/2022
Total Assets	4,970	4,994	4,817	4,687	4,760	4,877	4,686	4,328
Total Current Assets	187	247	251	173	145	185	159	147
Cash & Equivalents	187	247	251	173	145	185	159	147
Plant, Property, & Equipment, net	82	104	102	103	102	107	110	104
Total Noncurrent Assets	4,700	4,643	4,464	4,411	4,513	4,584	4,417	4,077
Noncurrent Note & Lease Receivables	3,953	3,719	3,583	3,531	3,321	3,331	3,215	2,976
Goodwill	519	628	603	602	826	852	834	770
Other Noncurrent Operating Assets	229	295	278	278	367	401	368	331
Total Liabilities & Shareholders' Equity	4,970	4,994	4,817	4,687	4,760	4,877	4,686	4,328
Total Liabilities	4,151	3,946	3,829	3,733	3,562	3,643	3,502	3,135
Total Current Liabilities	234	223	198	180	191	203	180	197
Accounts Payable	234	223	198	180	191	203	180	197
Total Noncurrent Liabilities	3,917	3,723	3,631	3,553	3,371	3,440	3,322	2,937
Long-Term Debt	3,791	3,551	3,455	3,364	3,114	3,203	3,082	2,690
Other Noncurrent Operating Liabilities	126	172	176	189	257	236	240	247
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	819	1,048	988	954	1,199	1,234	1,184	1,193
Total Preferred & Common Equity	819	1,048	988	954	1,199	1,234	1,184	1,193
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	819	1,048	988	954	1,199	1,234	1,184	1,193
Common Stock	9.88	17	13	8.89	8.34	4.14	0.24	0.24
Retained Earnings	957	1,135	1,105	1,072	1,320	1,301	1,274	1,358
Accumulated Other Comprehensive Income / (Loss)	-148	-104	-130	-127	-129	-71	-90	-166

This table displays calculated financial ratios and metrics derived from Encore Capital Group's official financial filings.

Metric	2024	2023	2022
Period end date	12/31/2024	12/31/2023	12/31/2022
Growth Metrics	-	-	-
Revenue Growth	7.66%	-12.56%	-13.39%
EBITDA Growth	210.33%	-87.60%	-23.27%
EBIT Growth	659.55%	-95.35%	-24.56%
NOPAT Growth	851.50%	-96.00%	-43.25%
Net Income Growth	32.57%	-206.13%	-44.60%
EPS Growth	33.14%	-216.89%	-33.75%
Operating Cash Flow Growth	2.08%	-27.38%	-30.48%
Free Cash Flow Firm Growth	77.42%	-143.19%	-58.08%
Invested Capital Growth	3.52%	4.11%	-1.46%
Revenue Q/Q Growth	-4.65%	-11.18%	3.24%
EBITDA Q/Q Growth	73.90%	-77.32%	-20.03%
EBIT Q/Q Growth	103.63%	-90.81%	-21.45%
NOPAT Q/Q Growth	111.67%	125.74%	-36.82%
Net Income Q/Q Growth	24.61%	-2,233.77%	-43.40%
EPS Q/Q Growth	25.16%	-5,229.41%	-40.18%
Operating Cash Flow Q/Q Growth	-7.81%	-11.06%	-14.34%
Free Cash Flow Firm Q/Q Growth	74.14%	68.54%	-54.17%
Invested Capital Q/Q Growth	-2.55%	-1.73%	5.31%
Profitability Metrics	-	-	-
Gross Margin	67.87%	67.98%	73.17%
EBITDA Margin	14.93%	5.18%	36.52%
Operating Margin	11.95%	1.35%	33.05%
EBIT Margin	12.47%	1.77%	33.20%
Profit (Net Income) Margin	-10.58%	-16.89%	13.91%
Tax Burden Percent	144.72%	114.55%	62.56%
Interest Burden Percent	-58.61%	-834.05%	66.98%
Effective Tax Rate	0.00%	0.00%	37.44%
Return on Invested Capital (ROIC)	2.64%	0.29%	7.29%
ROIC Less NNEP Spread (ROIC-NNEP)	-4.88%	-7.09%	3.89%
Return on Net Nonoperating Assets (RNNOA)	-18.99%	-19.80%	9.16%
Return on Equity (ROE)	-16.34%	-19.52%	16.45%
Cash Return on Invested Capital (CROIC)	-0.81%	-3.74%	8.77%
Operating Return on Assets (OROA)	3.49%	0.47%	10.19%
Return on Assets (ROA)	-2.96%	-4.52%	4.27%
Return on Common Equity (ROCE)	-16.34%	-19.52%	16.45%
Return on Equity Simple (ROE_SIMPLE)	-18.15%	-22.05%	16.49%
Net Operating Profit after Tax (NOPAT)	110	12	289
NOPAT Margin	8.37%	0.95%	20.68%
Net Nonoperating Expense Percent (NNEP)	7.52%	7.37%	3.40%
Return On Investment Capital (ROIC_SIMPLE)	2.48%	0.27%	7.09%
Cost of Revenue to Revenue	32.13%	32.02%	26.83%
SG&A Expenses to Revenue	22.38%	20.94%	18.38%
R&D to Revenue	0.00%	0.00%	0.00%
Operating Expenses to Revenue	55.92%	66.63%	40.12%
Earnings before Interest and Taxes (EBIT)	164	22	464
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	197	63	511
Valuation Ratios	-	-	-
Price to Book Value (P/BV)	1.47	1.28	0.95
Price to Tangible Book Value (P/TBV)	4.36	3.62	3.13
Price to Revenue (P/Rev)	0.86	0.98	0.80
Price to Earnings (P/E)	0.00	0.00	5.76
Dividend Yield	0.00%	0.00%	0.00%
Earnings Yield	0.00%	0.00%	17.35%
Enterprise Value to Invested Capital (EV/IC)	1.09	1.06	0.99
Enterprise Value to Revenue (EV/Rev)	3.50	3.56	2.77
Enterprise Value to EBITDA (EV/EBITDA)	23.42	68.73	7.59
Enterprise Value to EBIT (EV/EBIT)	28.05	201.44	8.35
Enterprise Value to NOPAT (EV/NOPAT)	41.81	376.15	13.40
Enterprise Value to Operating Cash Flow (EV/OCF)	29.49	28.46	18.40
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	11.15
Leverage & Solvency	-	-	-
Debt to Equity	4.79	3.54	2.46
Long-Term Debt to Equity	4.79	3.54	2.46
Financial Leverage	3.89	2.80	2.35
Leverage Ratio	5.53	4.32	3.85
Compound Leverage Factor	-3.24	-36.02	2.58
Debt to Total Capital	82.72%	77.99%	71.08%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	82.72%	77.99%	71.08%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%
Common Equity to Total Capital	17.28%	22.01%	28.92%
Debt to EBITDA	18.68	52.38	5.68
Net Debt to EBITDA	17.67	49.88	5.39
Long-Term Debt to EBITDA	18.68	52.38	5.68
Debt to NOPAT	33.35	286.67	10.03
Net Debt to NOPAT	31.53	272.99	9.53
Long-Term Debt to NOPAT	33.35	286.67	10.03
Altman Z-Score	0.81	0.78	1.23
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-
Current Ratio	0.86	0.83	0.73
Quick Ratio	0.86	0.83	0.73
Cash Flow Metrics	-	-	-
Free Cash Flow to Firm (FCFF)	-34	-150	348
Operating Cash Flow to CapEx	0.00%	0.00%	2,217.23%
Free Cash Flow to Firm to Interest Expense	-0.13	-0.74	2.27
Operating Cash Flow to Interest Expense	0.60	0.76	1.37
Operating Cash Flow Less CapEx to Interest Expense	0.71	0.90	1.31
Efficiency Ratios	-	-	-
Asset Turnover	0.28	0.27	0.31
Accounts Receivable Turnover	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00
Fixed Asset Turnover	14.27	11.22	11.96
Accounts Payable Turnover	2.00	2.02	1.75
Days Sales Outstanding (DSO)	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00
Days Payable Outstanding (DPO)	182.74	180.92	208.12
Cash Conversion Cycle (CCC)	-182.74	-180.92	-208.12
Capital & Investment Metrics	-	-	-
Invested Capital	4,240	4,096	3,935
Invested Capital Turnover	0.32	0.30	0.35
Increase / (Decrease) in Invested Capital	144	162	-58
Enterprise Value (EV)	4,605	4,354	3,876
Market Capitalization	1,132	1,194	1,121
Book Value per Share	$32.39	$39.80	$50.44
Tangible Book Value per Share	$10.95	$14.03	$15.33
Total Capital	4,440	4,255	4,078
Total Debt	3,673	3,318	2,899
Total Long-Term Debt	3,673	3,318	2,899
Net Debt	3,473	3,160	2,755
Capital Expenditures (CapEx)	-27	-28	9.50
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-234	-190	-198
Debt-free Net Working Capital (DFNWC)	-34	-32	-54
Net Working Capital (NWC)	-34	-32	-54
Net Nonoperating Expense (NNE)	249	218	95
Net Nonoperating Obligations (NNO)	3,473	3,160	2,755
Total Depreciation and Amortization (D&A)	32	42	46
Debt-free, Cash-free Net Working Capital to Revenue	-17.74%	-15.53%	-14.18%
Debt-free Net Working Capital to Revenue	-2.56%	-2.58%	-3.88%
Net Working Capital to Revenue	-2.56%	-2.58%	-3.88%
Earnings Adjustments	-	-	-
Adjusted Basic Earnings per Share	($5.83)	($8.72)	$8.06
Adjusted Weighted Average Basic Shares Outstanding	23.87M	23.67M	24.14M
Adjusted Diluted Earnings per Share	($5.83)	($8.72)	$7.46
Adjusted Weighted Average Diluted Shares Outstanding	23.87M	23.67M	26.09M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	23.69M	23.55M	23.32M
Normalized Net Operating Profit after Tax (NOPAT)	194	191	292
Normalized NOPAT Margin	14.70%	15.66%	20.86%
Pre Tax Income Margin	-7.31%	-14.74%	22.24%
Debt Service Ratios	-	-	-
EBIT to Interest Expense	0.63	0.11	3.03
NOPAT to Interest Expense	0.42	0.06	1.89
EBIT Less CapEx to Interest Expense	0.74	0.24	2.97
NOPAT Less CapEx to Interest Expense	0.53	0.20	1.82
Payout Ratios	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%
Augmented Payout Ratio	0.00%	0.00%	44.72%

This table displays calculated financial ratios and metrics derived from Encore Capital Group's official financial filings.

Metric	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Period end date	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	15.25%	7.39%	12.36%	8.81%	1.94%	-38.35%	6.15%	-8.51%	-3.11%	12.29%	-25.42%
EBITDA Growth	47.00%	40.12%	26.15%	14.77%	13.74%	-2,800.38%	-1.67%	-26.72%	-70.16%	-94.31%	-42.81%
EBIT Growth	51.86%	38.47%	33.55%	20.35%	20.02%	-5,977.08%	-1.35%	-28.51%	-72.92%	-102.90%	-45.21%
NOPAT Growth	57.14%	38.22%	64.17%	20.91%	22.09%	-9,322.69%	-18.75%	-25.77%	-74.14%	-101.46%	-53.52%
Net Income Growth	101.37%	16.79%	58.45%	22.34%	24.77%	-270.31%	-38.59%	-56.48%	-89.40%	-196.10%	-62.31%
EPS Growth	103.16%	17.28%	59.49%	24.07%	26.67%	-362.86%	-35.25%	-52.84%	-88.28%	-195.70%	-54.14%
Operating Cash Flow Growth	-11.18%	-35.99%	-14.30%	33.71%	41.97%	-34.09%	-4.89%	-39.30%	-34.14%	-38.72%	-10.60%
Free Cash Flow Firm Growth	-783.79%	24.15%	73.06%	142.99%	174.66%	-652.32%	-206.40%	-185.86%	-108.13%	-86.80%	19.68%
Invested Capital Growth	6.70%	3.52%	4.39%	-1.41%	0.92%	4.11%	11.57%	9.87%	2.16%	-1.46%	-7.45%
Revenue Q/Q Growth	47.87%	-27.64%	3.32%	8.19%	-0.45%	-24.29%	0.05%	1.37%	-19.71%	30.37%	-13.77%
EBITDA Q/Q Growth	210.95%	-207.65%	4.02%	18.32%	145.19%	-326.78%	-5.36%	17.26%	973.01%	-91.74%	-29.46%
EBIT Q/Q Growth	198.01%	-224.13%	3.64%	20.44%	139.71%	-369.40%	-6.60%	20.10%	2,110.91%	-104.37%	-32.32%
NOPAT Q/Q Growth	206.58%	-217.78%	3.45%	21.01%	141.90%	-412.96%	-23.81%	22.19%	3,334.12%	-102.70%	-30.40%
Net Income Q/Q Growth	120.77%	-835.26%	-4.78%	38.48%	108.58%	-1,500.08%	-26.48%	41.23%	125.47%	-332.16%	-47.89%
EPS Q/Q Growth	120.58%	-844.44%	-5.97%	41.05%	108.38%	-1,535.44%	-26.85%	44.00%	130.61%	-300.82%	-46.72%
Operating Cash Flow Q/Q Growth	92.33%	-48.74%	28.60%	-29.95%	38.62%	-31.37%	100.63%	-25.63%	-35.65%	-0.96%	28.06%
Free Cash Flow Firm Q/Q Growth	25.35%	-130.30%	-175.50%	426.79%	108.28%	18.21%	-20.50%	-814.84%	-161.26%	-84.24%	-2.76%
Invested Capital Q/Q Growth	4.30%	-2.55%	3.79%	1.15%	1.19%	-1.73%	-1.98%	3.54%	4.39%	5.31%	-3.47%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	73.03%	60.61%	70.71%	69.99%	68.27%	60.88%	70.90%	70.64%	67.76%	77.55%	71.00%
EBITDA Margin	35.22%	-46.94%	31.55%	31.34%	28.66%	-84.19%	28.11%	29.71%	25.69%	1.92%	30.34%
Operating Margin	32.93%	-50.52%	28.90%	28.66%	25.46%	-87.81%	23.12%	26.97%	21.77%	-0.57%	26.16%
EBIT Margin	33.35%	-50.32%	29.33%	29.24%	26.27%	-87.81%	24.68%	26.43%	22.31%	-0.89%	26.55%
Profit (Net Income) Margin	11.91%	-84.82%	8.35%	9.06%	7.08%	-109.47%	5.92%	8.06%	5.78%	-18.22%	10.23%
Tax Burden Percent	77.40%	107.30%	75.18%	75.70%	76.21%	99.66%	64.33%	72.40%	74.40%	159.34%	74.25%
Interest Burden Percent	46.16%	157.11%	37.86%	40.92%	35.35%	125.09%	37.29%	42.09%	34.83%	1,283.91%	51.90%
Effective Tax Rate	22.60%	0.00%	24.82%	24.30%	23.79%	0.00%	35.67%	27.60%	25.60%	0.00%	25.75%
Return on Invested Capital (ROIC)	8.14%	-11.17%	7.04%	6.89%	6.17%	-18.72%	5.18%	6.53%	5.53%	-0.14%	6.77%
ROIC Less NNEP Spread (ROIC-NNEP)	6.57%	-15.13%	5.48%	5.44%	4.84%	-22.73%	4.12%	5.20%	4.36%	-2.71%	5.68%
Return on Net Nonoperating Assets (RNNOA)	25.19%	-58.89%	15.29%	15.25%	13.85%	-63.54%	9.49%	11.94%	10.21%	-6.38%	11.35%
Return on Equity (ROE)	33.33%	-70.06%	22.33%	22.13%	20.01%	-82.25%	14.67%	18.47%	15.74%	-6.52%	18.12%
Cash Return on Invested Capital (CROIC)	-3.17%	-0.81%	-3.08%	2.14%	-0.41%	-3.74%	-12.07%	-9.08%	0.20%	8.77%	19.51%
Operating Return on Assets (OROA)	9.45%	-14.06%	8.30%	8.09%	7.35%	-23.50%	7.48%	7.69%	6.66%	-0.27%	8.10%
Return on Assets (ROA)	3.38%	-23.71%	2.36%	2.50%	1.98%	-29.29%	1.79%	2.34%	1.73%	-5.59%	3.12%
Return on Common Equity (ROCE)	33.33%	-70.06%	22.33%	22.13%	20.01%	-82.25%	14.67%	18.47%	15.74%	-6.52%	18.12%
Return on Equity Simple (ROE_SIMPLE)	-14.12%	0.00%	-17.62%	-19.84%	-21.16%	0.00%	-0.74%	0.27%	3.16%	0.00%	28.82%
Net Operating Profit after Tax (NOPAT)	100	-94	80	77	64	-152	49	64	52	-1.61	60
NOPAT Margin	25.49%	-35.36%	21.73%	21.70%	19.40%	-61.47%	14.87%	19.53%	16.20%	-0.40%	19.43%
Net Nonoperating Expense Percent (NNEP)	1.57%	3.96%	1.57%	1.44%	1.32%	4.01%	1.06%	1.32%	1.18%	2.57%	1.09%
Return On Investment Capital (ROIC_SIMPLE)	2.17%	-2.12%	-	-	-	-3.57%	-	-	-	-0.04%	-
Cost of Revenue to Revenue	26.97%	39.39%	29.29%	30.01%	31.73%	39.12%	29.10%	29.36%	32.24%	22.45%	29.00%
SG&A Expenses to Revenue	19.16%	33.81%	19.24%	19.03%	20.28%	26.73%	19.44%	18.64%	20.34%	17.08%	21.30%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	40.10%	111.13%	41.81%	41.33%	42.82%	148.69%	47.78%	43.67%	45.99%	78.13%	44.84%
Earnings before Interest and Taxes (EBIT)	131	-134	108	104	86	-217	81	86	72	-3.57	82
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	138	-125	116	111	94	-208	92	97	83	7.71	93
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.99	1.47	1.07	1.00	1.13	1.28	0.94	0.93	0.99	0.95	0.91
Price to Tangible Book Value (P/TBV)	2.71	4.36	2.67	2.57	3.05	3.62	3.01	2.99	3.36	3.13	2.57
Price to Revenue (P/Rev)	0.59	0.86	0.81	0.74	0.82	0.98	0.81	0.84	0.85	0.80	0.80
Price to Earnings (P/E)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	345.23	31.43	5.76	3.16
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.29%	3.18%	17.35%	31.65%
Enterprise Value to Invested Capital (EV/IC)	1.00	1.09	1.02	1.00	1.03	1.06	0.98	0.98	1.00	0.99	0.97
Enterprise Value to Revenue (EV/Rev)	3.23	3.50	3.20	3.13	3.25	3.56	2.97	3.06	2.95	2.77	2.68
Enterprise Value to EBITDA (EV/EBITDA)	18.34	23.42	39.12	47.09	57.07	68.73	14.65	14.81	12.96	7.59	5.68
Enterprise Value to EBIT (EV/EBIT)	21.14	28.05	54.87	78.27	118.45	201.44	17.39	17.60	15.14	8.35	6.14
Enterprise Value to NOPAT (EV/NOPAT)	31.06	41.81	85.01	136.90	203.14	376.15	0.00	308.07	43.12	13.40	7.93
Enterprise Value to Operating Cash Flow (EV/OCF)	29.35	29.49	26.11	23.68	25.37	28.46	23.78	23.80	21.35	18.40	14.76
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	46.39	0.00	0.00	0.00	0.00	505.56	11.15	4.79
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	4.63	4.79	3.39	3.50	3.53	3.54	2.60	2.60	2.60	2.46	2.26
Long-Term Debt to Equity	4.63	4.79	3.39	3.50	3.53	3.54	2.60	2.60	2.60	2.46	2.26
Financial Leverage	3.83	3.89	2.79	2.80	2.86	2.80	2.30	2.29	2.34	2.35	2.00
Leverage Ratio	5.45	5.53	4.34	4.36	4.38	4.32	3.80	3.79	3.83	3.85	3.43
Compound Leverage Factor	2.51	8.69	1.64	1.79	1.55	5.40	1.42	1.59	1.33	49.49	1.78
Debt to Total Capital	82.23%	82.72%	77.21%	77.76%	77.91%	77.99%	72.21%	72.19%	72.24%	71.08%	69.28%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	82.23%	82.72%	77.21%	77.76%	77.91%	77.99%	72.21%	72.19%	72.24%	71.08%	69.28%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	17.77%	17.28%	22.79%	22.24%	22.09%	22.01%	27.79%	27.81%	27.76%	28.92%	30.72%
Debt to EBITDA	15.74	18.68	31.41	38.80	45.02	52.38	11.15	11.41	9.75	5.68	4.21
Net Debt to EBITDA	14.96	17.67	29.22	35.99	42.71	49.88	10.63	10.75	9.24	5.39	3.98
Long-Term Debt to EBITDA	15.74	18.68	31.41	38.80	45.02	52.38	11.15	11.41	9.75	5.68	4.21
Debt to NOPAT	26.67	33.35	68.24	112.81	160.26	286.67	-69.27	237.21	32.41	10.03	5.88
Net Debt to NOPAT	25.35	31.53	63.49	104.63	152.02	272.99	-66.05	223.52	30.74	9.53	5.56
Long-Term Debt to NOPAT	26.67	33.35	68.24	112.81	160.26	286.67	-69.27	237.21	32.41	10.03	5.88
Altman Z-Score	0.74	0.61	0.84	0.84	0.83	0.61	0.91	0.89	0.92	0.89	1.01
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	0.80	0.86	1.11	1.27	0.96	0.83	0.76	0.91	0.88	0.73	0.74
Quick Ratio	0.80	0.86	1.11	1.27	0.96	0.83	0.76	0.91	0.88	0.73	0.74
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-178	-238	-103	137	26	-314	-384	-318	-35	57	360
Operating Cash Flow to CapEx	647.83%	275.18%	740.76%	483.26%	743.10%	457.35%	737.92%	578.39%	735.17%	345.41%	617.08%
Free Cash Flow to Firm to Interest Expense	-2.52	-3.12	-1.54	2.23	0.47	-5.76	-7.59	-6.37	-0.74	1.34	9.17
Operating Cash Flow to Interest Expense	0.64	0.31	0.69	0.58	0.91	0.67	1.06	0.53	0.77	1.32	1.43
Operating Cash Flow Less CapEx to Interest Expense	0.54	0.20	0.59	0.46	0.79	0.53	0.92	0.44	0.66	0.94	1.20
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.28	0.28	0.28	0.28	0.28	0.27	0.30	0.29	0.30	0.31	0.31
Accounts Receivable Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	14.81	14.27	13.42	12.79	12.32	11.22	13.35	12.52	12.29	11.96	12.03
Accounts Payable Turnover	2.05	2.00	2.01	2.01	2.18	2.02	1.98	1.88	1.86	1.75	1.85
Days Sales Outstanding (DSO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	178.01	182.74	181.81	181.59	167.74	180.92	184.06	194.64	195.77	208.12	197.14
Cash Conversion Cycle (CCC)	-178.01	-182.74	-181.81	-181.59	-167.74	-180.92	-184.06	-194.64	-195.77	-208.12	-197.14
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	4,423	4,240	4,351	4,193	4,145	4,096	4,168	4,252	4,107	3,935	3,736
Invested Capital Turnover	0.32	0.32	0.32	0.32	0.32	0.30	0.35	0.33	0.34	0.35	0.35
Increase / (Decrease) in Invested Capital	278	144	183	-60	38	162	432	382	87	-58	-301
Enterprise Value (EV)	4,416	4,605	4,423	4,193	4,264	4,354	4,091	4,160	4,100	3,876	3,629
Market Capitalization	812	1,132	1,120	988	1,073	1,194	1,122	1,142	1,177	1,121	1,086
Book Value per Share	$34.57	$32.39	$44.24	$41.72	$40.11	$39.80	$51.04	$52.54	$50.77	$50.44	$49.95
Tangible Book Value per Share	$12.65	$10.95	$17.73	$16.27	$14.78	$14.03	$15.87	$16.25	$15.01	$15.33	$17.73
Total Capital	4,610	4,440	4,599	4,443	4,318	4,255	4,313	4,437	4,266	4,078	3,883
Total Debt	3,791	3,673	3,551	3,455	3,364	3,318	3,114	3,203	3,082	2,899	2,690
Total Long-Term Debt	3,791	3,673	3,551	3,455	3,364	3,318	3,114	3,203	3,082	2,899	2,690
Net Debt	3,604	3,473	3,303	3,205	3,191	3,160	2,969	3,019	2,923	2,755	2,543
Capital Expenditures (CapEx)	6.99	8.56	6.20	7.39	6.86	8.04	7.26	4.62	4.89	16	9.13
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-234	-234	-223	-198	-180	-190	-191	-203	-180	-198	-197
Debt-free Net Working Capital (DFNWC)	-47	-34	25	53	-7.22	-32	-46	-18	-21	-54	-50
Net Working Capital (NWC)	-47	-34	25	53	-7.22	-32	-46	-18	-21	-54	-50
Net Nonoperating Expense (NNE)	53	131	49	45	40	119	29	37	34	72	28
Net Nonoperating Obligations (NNO)	3,604	3,473	3,303	3,205	3,191	3,160	2,969	3,019	2,923	2,755	2,543
Total Depreciation and Amortization (D&A)	7.34	8.97	8.16	7.46	7.85	8.97	11	11	11	11	12
Debt-free, Cash-free Net Working Capital to Revenue	-17.10%	-17.74%	-16.14%	-14.74%	-13.74%	-15.53%	-13.85%	-14.96%	-12.97%	-14.18%	-14.58%
Debt-free Net Working Capital to Revenue	-3.43%	-2.56%	1.78%	3.96%	-0.55%	-2.58%	-3.34%	-1.34%	-1.53%	-3.88%	-3.72%
Net Working Capital to Revenue	-3.43%	-2.56%	1.78%	3.96%	-0.55%	-2.58%	-3.34%	-1.34%	-1.53%	-3.88%	-3.72%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.96	($9.44)	$1.28	$1.35	$0.98	($11.44)	$0.82	$1.11	$0.79	($2.84)	$1.31
Adjusted Weighted Average Basic Shares Outstanding	23.88M	23.87M	23.91M	23.88M	23.78M	23.67M	23.71M	23.67M	23.55M	24.14M	23.96M
Adjusted Diluted Earnings per Share	$1.93	($9.38)	$1.26	$1.34	$0.95	($11.34)	$0.79	$1.08	$0.75	($2.45)	$1.22
Adjusted Weighted Average Diluted Shares Outstanding	24.27M	23.87M	24.41M	24.10M	24.47M	23.67M	24.38M	24.28M	24.94M	26.09M	25.92M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	23.35M	23.69M	23.69M	23.69M	23.69M	23.55M	23.53M	23.49M	23.48M	23.32M	23.39M
Normalized Net Operating Profit after Tax (NOPAT)	100	-94	80	77	64	-152	49	64	52	-1.61	60
Normalized NOPAT Margin	25.49%	-35.36%	21.73%	21.70%	19.40%	-61.47%	14.87%	19.53%	16.20%	-0.40%	19.43%
Pre Tax Income Margin	15.39%	-79.05%	11.10%	11.97%	9.29%	-109.85%	9.20%	11.13%	7.77%	-11.44%	13.78%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	1.86	-1.75	1.61	1.69	1.55	-3.99	1.59	1.73	1.53	-0.08	2.08
NOPAT to Interest Expense	1.42	-1.23	1.19	1.26	1.14	-2.79	0.96	1.28	1.11	-0.04	1.52
EBIT Less CapEx to Interest Expense	1.76	-1.86	1.52	1.57	1.42	-4.13	1.45	1.63	1.43	-0.47	1.85
NOPAT Less CapEx to Interest Expense	1.32	-1.34	1.10	1.14	1.02	-2.94	0.82	1.18	1.01	-0.42	1.29
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	-8.65%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	44.72%	110.32%

Frequently Asked Questions About Encore Capital Group's Financials

When does Encore Capital Group's fiscal year end?

According to the most recent income statement we have on file, Encore Capital Group's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Encore Capital Group's net income changed over the last 2 years?

Encore Capital Group's net income appears to be on an upward trend, with a most recent value of -$139.24 million in 2024, falling from $194.56 million in 2022. The previous period was -$206.49 million in 2023. Find out what analysts predict for Encore Capital Group in the coming months.

What is Encore Capital Group's operating income?

Encore Capital Group's total operating income in 2024 was $157.33 million, based on the following breakdown:

Total Gross Profit: $893.45 million
Total Operating Expenses: $736.12 million

How has Encore Capital Group revenue changed over the last 2 years?

Over the last 2 years, Encore Capital Group's total revenue changed from $1.40 billion in 2022 to $1.32 billion in 2024, a change of -5.9%.

How much debt does Encore Capital Group have?

Encore Capital Group's total liabilities were at $4.02 billion at the end of 2024, a 8.9% increase from 2023, and a 20.8% increase since 2022.

How much cash does Encore Capital Group have?

In the past 2 years, Encore Capital Group's cash and equivalents has ranged from $143.91 million in 2022 to $199.87 million in 2024, and is currently $199.87 million as of their latest financial filing in 2024.

How has Encore Capital Group's book value per share changed over the last 2 years?

Over the last 2 years, Encore Capital Group's book value per share changed from 50.44 in 2022 to 32.39 in 2024, a change of -35.8%.

Related Companies

This page (NASDAQ:ECPG) was last updated on 5/25/2025 by MarketBeat.com Staff

From Our Partners

Get 30 Days of MarketBeat All Access for Free

Start Your 30-Day Trial

In-depth profiles and analysis for 20,000 public companies.
Real-time analyst ratings, insider transactions, earnings data, and more.
Our daily ratings and market update email newsletter.

Sign In
Create Account

Your Email Address:

Your Password:

Forgot your password?

Your Email Address:

Choose a Password:

By creating a free account, you agree to our terms of service. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Encore Capital Group (ECPG) Financials

Frequently Asked Questions About Encore Capital Group's Financials

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools

About MarketBeat

MarketBeat Products

Popular Tools

Financial Calendars

Terms & Info

Encore Capital Group (ECPG) Financials

Annual Income Statements for Encore Capital Group

Quarterly Income Statements for Encore Capital Group

Annual Cash Flow Statements for Encore Capital Group

Quarterly Cash Flow Statements for Encore Capital Group

Annual Balance Sheets for Encore Capital Group

Quarterly Balance Sheets for Encore Capital Group

Annual Metrics And Ratios for Encore Capital Group

Quarterly Metrics And Ratios for Encore Capital Group

Frequently Asked Questions About Encore Capital Group's Financials

MarketBeat All Access Features

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools