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Encore Capital Group (ECPG) Financials

Encore Capital Group logo
$38.72 -0.35 (-0.90%)
Closing price 07/18/2025 04:00 PM Eastern
Extended Trading
$38.72 0.00 (-0.01%)
As of 07/18/2025 05:30 PM Eastern
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Annual Income Statements for Encore Capital Group

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 2013 2014 2015 2016 2019 2020 2021 2022 2023 2024
Period end date 12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders
226 207 135 153 168 212 351 195 -206 -139
Consolidated Net Income / (Loss)
74 202 47 93 169 213 351 195 -206 -139
Net Income / (Loss) Continuing Operations
75 93 71 19 169 213 351 195 -206 -139
Total Pre-Tax Income
121 142 98 57 201 283 437 311 -180 -96
Total Operating Income
198 308 282 242 446 534 633 462 17 157
Total Gross Profit
592 804 868 832 1,021 1,123 1,229 1,023 831 893
Total Revenue
757 1,043 1,130 1,113 1,398 1,501 1,614 1,398 1,223 1,316
Operating Revenue
745 993 1,072 1,113 1,406 1,501 1,614 1,398 1,223 1,316
Total Cost of Revenue
165 239 262 281 376 378 385 375 392 423
Operating Cost of Revenue
165 239 262 281 376 378 385 375 392 423
Total Operating Expenses
394 496 585 591 575 590 596 561 815 736
Selling, General & Admin Expense
176 230 285 235 257 258 245 257 256 295
Depreciation Expense
14 27 33 35 41 43 50 46 42 32
Other Operating Expenses / (Income)
204 239 268 321 267 289 301 254 260 290
Impairment Charge
0.00 - - - 11 - 0.00 4.08 257 119
Total Other Income / (Expense), net
-77 -167 -184 -184 -245 -251 -197 -151 -197 -254
Interest Expense
73 167 187 198 227 250 179 153 202 260
Other Income / (Expense), net
-4.22 0.11 2.24 14 -18 -0.36 -18 2.12 5.08 6.83
Income Tax Expense
45 49 27 38 32 70 85 116 26 43
Basic Earnings per Share
$3.05 $4.01 $1.75 $2.98 $5.38 $6.74 $11.64 $8.06 ($8.72) ($5.83)
Weighted Average Basic Shares Outstanding
24.66M 25.85M 25.72M 25.71M 31.21M 31.43M 30.13M 24.14M 23.67M 23.87M
Diluted Earnings per Share
$2.87 $3.77 $1.69 $2.96 $5.33 $6.68 $11.26 $7.46 ($8.72) ($5.83)
Weighted Average Diluted Shares Outstanding
26.20M 27.50M 26.65M 25.91M 31.47M 31.71M 31.15M 26.09M 23.67M 23.87M
Weighted Average Basic & Diluted Shares Outstanding
25.48M 25.80M 25.29M 25.60M 31.10M 31.35M 24.53M 23.32M 23.55M 23.69M

Quarterly Income Statements for Encore Capital Group

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 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Income / (Loss) Attributable to Common Shareholders
31 -73 19 26 19 -271 23 32 31 -225 47
Consolidated Net Income / (Loss)
31 -73 19 26 19 -271 23 32 31 -225 47
Net Income / (Loss) Continuing Operations
31 -73 19 26 19 -271 23 32 31 -225 47
Total Pre-Tax Income
42 -46 25 36 30 -272 30 43 41 -210 60
Total Operating Income
81 -2.31 70 88 76 -217 84 102 106 -134 129
Total Gross Profit
219 311 218 231 232 151 237 249 260 161 287
Total Revenue
308 401 322 327 327 247 341 355 367 266 393
Operating Revenue
308 401 322 327 327 247 341 355 367 266 393
Total Cost of Revenue
89 90 104 96 95 97 104 107 108 105 106
Operating Cost of Revenue
89 90 104 96 95 97 104 107 108 105 106
Total Operating Expenses
138 313 148 143 156 368 153 147 153 295 158
Selling, General & Admin Expense
66 69 66 61 64 66 67 68 71 90 75
Depreciation Expense
12 11 11 11 11 8.97 7.85 7.46 8.16 8.97 7.34
Other Operating Expenses / (Income)
61 230 72 71 81 36 79 72 75 77 75
Total Other Income / (Expense), net
-38 -44 -45 -52 -45 -55 -53 -59 -65 -76 -69
Interest Expense
39 42 47 50 51 55 56 61 67 76 71
Other Income / (Expense), net
1.21 -1.27 1.73 -1.76 5.10 -0.00 2.67 2.05 1.58 0.54 1.65
Income Tax Expense
11 27 6.41 10 11 -0.93 7.25 10 10 15 14
Basic Earnings per Share
$1.31 ($2.84) $0.79 $1.11 $0.82 ($11.44) $0.98 $1.35 $1.28 ($9.44) $1.96
Weighted Average Basic Shares Outstanding
23.96M 24.14M 23.55M 23.67M 23.71M 23.67M 23.78M 23.88M 23.91M 23.87M 23.88M
Diluted Earnings per Share
$1.22 ($2.45) $0.75 $1.08 $0.79 ($11.34) $0.95 $1.34 $1.26 ($9.38) $1.93
Weighted Average Diluted Shares Outstanding
25.92M 26.09M 24.94M 24.28M 24.38M 23.67M 24.47M 24.10M 24.41M 23.87M 24.27M
Weighted Average Basic & Diluted Shares Outstanding
23.39M 23.32M 23.48M 23.49M 23.53M 23.55M 23.69M 23.69M 23.69M 23.69M 23.35M

Annual Cash Flow Statements for Encore Capital Group

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 2013 2014 2015 2016 2017 2019 2020 2021 2022 2023 2024
Period end date 12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents
104 -17 44 4.80 50 23 -7.51 -13 -27 19 34
Net Cash From Operating Activities
75 112 116 130 124 245 313 303 211 153 156
Net Cash From Continuing Operating Activities
75 107 118 128 124 245 313 303 211 153 156
Net Income / (Loss) Continuing Operations
74 91 71 19 79 169 213 351 195 -206 -139
Consolidated Net Income / (Loss)
74 98 47 17 -79 169 213 351 195 -206 -139
Depreciation Expense
14 27 33 35 40 41 43 50 46 42 32
Non-Cash Adjustments To Reconcile Net Income
17 16 50 120 4.84 65 84 -163 -58 370 239
Changes in Operating Assets and Liabilities, net
-29 -27 -36 -45 -0.18 -30 -27 65 27 -53 24
Net Cash From Investing Activities
-217 -755 -473 -169 -452 -202 83 340 -130 -402 -440
Net Cash From Continuing Investing Activities
-217 -703 -420 -183 -452 -202 83 340 -130 -402 -440
Purchase of Property, Plant & Equipment
-13 -23 -29 -32 -28 -40 -35 -33 -37 -25 -29
Purchase of Investments
-250 -863 -750 -907 -1,046 -1,035 -644 -657 -791 -1,060 -1,336
Sale of Property, Plant & Equipment
- - - - - - - 31 28 53 56
Other Investing Activities, net
424 629 635 641 718 764 761 999 670 630 869
Net Cash From Financing Activities
246 626 400 43 378 -20 -403 -656 -107 268 318
Net Cash From Continuing Financing Activities
246 626 400 43 378 -20 -403 -656 -107 268 318
Repayment of Debt
-701 -1,249 -984 -1,017 -1,536 -1,178 -3,537 -1,441 -800 -1,262 -2,674
Repurchase of Common Equity
-0.73 -17 -33 - - 0.00 0.00 -391 -87 0.00 0.00
Issuance of Debt
984 1,934 1,417 1,065 1,944 1,158 3,134 1,176 780 1,530 3,031
Other Financing Activities, net
-36 -42 - - - - - - 0.00 0.00 -40
Cash Interest Paid
50 95 152 148 163 179 170 132 131 164 211
Cash Income Taxes Paid
67 70 84 60 42 44 89 42 71 69 67

Quarterly Cash Flow Statements for Encore Capital Group

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 Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Change in Cash & Equivalents
-4.53 -0.51 16 23 -35 15 16 78 -6.90 -54 -15
Net Cash From Operating Activities
56 56 36 27 54 37 51 36 46 24 45
Net Cash From Continuing Operating Activities
56 56 36 27 54 37 51 36 46 24 45
Net Income / (Loss) Continuing Operations
31 -73 19 26 19 -271 23 32 31 -225 47
Consolidated Net Income / (Loss)
31 -73 19 26 19 -271 23 32 31 -225 47
Depreciation Expense
12 11 11 11 11 8.97 7.85 7.46 8.16 8.97 7.34
Non-Cash Adjustments To Reconcile Net Income
20 97 18 11 24 317 19 3.10 -4.50 221 -14
Changes in Operating Assets and Liabilities, net
-6.91 20 -12 -22 -0.97 -18 0.40 -7.03 12 19 5.64
Net Cash From Investing Activities
-76 -90 -131 -84 -56 -131 -91 -41 -44 -265 -100
Net Cash From Continuing Investing Activities
-76 -90 -131 -84 -56 -131 -91 -41 -44 -265 -100
Purchase of Property, Plant & Equipment
-9.13 -16 -4.89 -4.62 -7.26 -8.04 -6.86 -7.39 -6.20 -8.56 -6.99
Purchase of Investments
-231 -222 -275 -270 -227 -288 -291 -276 -278 -492 -363
Other Investing Activities, net
164 120 149 191 178 112 207 242 240 179 269
Net Cash From Financing Activities
15 33 110 80 -32 109 56 84 -9.01 187 40
Net Cash From Continuing Financing Activities
15 33 110 80 -32 109 56 84 -9.01 187 40
Repayment of Debt
-150 -99 -359 -135 -219 -548 -693 -561 -74 -1,345 -196
Repurchase of Common Equity
-26 -10 - - - - 0.00 - - - -10
Issuance of Debt
190 142 459 216 185 670 749 645 65 1,573 246
Cash Interest Paid
30 37 38 41 41 44 46 34 58 72 41
Cash Income Taxes Paid
19 7.57 0.91 36 14 18 1.54 41 19 5.84 1.25

Annual Balance Sheets for Encore Capital Group

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 2013 2014 2015 2016 2017 2019 2020 2021 2022 2023 2024
Period end date 12/31/2013 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets
2,685 3,750 4,175 3,670 4,491 4,910 4,865 4,608 4,508 4,630 4,790
Total Current Assets
126 124 124 150 212 192 189 190 144 158 200
Cash & Equivalents
126 124 124 150 212 192 189 190 144 158 200
Plant, Property, & Equipment, net
56 67 73 72 76 120 127 120 114 104 81
Total Noncurrent Assets
2,503 3,559 3,978 3,448 4,202 4,598 4,548 4,299 4,251 4,368 4,509
Noncurrent Note & Lease Receivables
1,803 2,403 2,441 2,383 2,891 3,284 3,292 3,066 3,088 3,468 3,776
Goodwill
504 898 925 785 929 884 907 898 821 606 508
Other Noncurrent Operating Assets
196 258 224 281 383 429 349 335 341 293 225
Total Liabilities & Shareholders' Equity
2,685 3,750 4,175 3,670 4,491 4,910 4,865 4,608 4,508 4,630 4,790
Total Liabilities
2,083 3,085 3,526 3,070 3,767 3,885 3,644 3,423 3,329 3,694 4,022
Total Current Liabilities
137 232 291 234 285 224 216 230 198 190 234
Accounts Payable
137 232 291 234 285 224 216 230 198 190 234
Total Noncurrent Liabilities
1,946 2,853 3,236 2,836 3,482 3,661 3,429 3,193 3,131 3,504 3,789
Long-Term Debt
1,850 2,774 2,944 2,806 3,447 3,513 3,282 2,997 2,899 3,318 3,673
Other Noncurrent Operating Liabilities
95 80 59 30 35 147 147 196 232 186 116
Commitments & Contingencies
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests
576 627 604 552 572 1,025 1,220 1,185 1,180 937 767
Total Preferred & Common Equity
572 623 596 559 582 1,022 1,218 1,185 1,180 937 767
Preferred Stock
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity
572 623 596 559 582 1,022 1,218 1,185 1,180 937 767
Common Stock
172 126 111 104 43 223 231 0.25 0.23 11 20
Retained Earnings
395 498 543 561 616 888 1,056 1,239 1,278 1,049 910
Accumulated Other Comprehensive Income / (Loss)
5.20 -0.92 -58 -105 -77 -89 -69 -54 -99 -124 -162

Quarterly Balance Sheets for Encore Capital Group

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 Q2 2022 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025
Period end date 6/30/2022 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025
Total Assets
4,459 4,328 4,686 4,877 4,760 4,687 4,817 4,994 4,970
Total Current Assets
154 147 159 185 145 173 251 247 187
Cash & Equivalents
154 147 159 185 145 173 251 247 187
Plant, Property, & Equipment, net
110 104 110 107 102 103 102 104 82
Total Noncurrent Assets
4,196 4,077 4,417 4,584 4,513 4,411 4,464 4,643 4,700
Noncurrent Note & Lease Receivables
3,035 2,976 3,215 3,331 3,321 3,531 3,583 3,719 3,953
Goodwill
824 770 834 852 826 602 603 628 519
Other Noncurrent Operating Assets
336 331 368 401 367 278 278 295 229
Total Liabilities & Shareholders' Equity
4,459 4,328 4,686 4,877 4,760 4,687 4,817 4,994 4,970
Total Liabilities
3,228 3,135 3,502 3,643 3,562 3,733 3,829 3,946 4,151
Total Current Liabilities
201 197 180 203 191 180 198 223 234
Accounts Payable
201 197 180 203 191 180 198 223 234
Total Noncurrent Liabilities
3,027 2,937 3,322 3,440 3,371 3,553 3,631 3,723 3,917
Long-Term Debt
2,793 2,690 3,082 3,203 3,114 3,364 3,455 3,551 3,791
Other Noncurrent Operating Liabilities
234 247 240 236 257 189 176 172 126
Commitments & Contingencies
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests
1,232 1,193 1,184 1,234 1,199 954 988 1,048 819
Total Preferred & Common Equity
1,232 1,193 1,184 1,234 1,199 954 988 1,048 819
Preferred Stock
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity
1,232 1,193 1,184 1,234 1,199 954 988 1,048 819
Common Stock
0.24 0.24 0.24 4.14 8.34 8.89 13 17 9.88
Retained Earnings
1,350 1,358 1,274 1,301 1,320 1,072 1,105 1,135 957
Accumulated Other Comprehensive Income / (Loss)
-119 -166 -90 -71 -129 -127 -130 -104 -148

Annual Metrics And Ratios for Encore Capital Group

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

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics
- - - - - - - - - - -
Revenue Growth
37.75% 8.29% -1.46% 2.91% 0.00% 0.00% 7.42% 7.53% -13.39% -12.56% 7.66%
EBITDA Growth
61.63% -5.37% -8.51% 29.16% 16.62% 7.14% 22.80% 15.55% -23.27% -87.60% 210.33%
EBIT Growth
58.95% -7.81% -10.10% 31.14% 18.23% 7.94% 24.58% 15.43% -24.56% -95.35% 659.55%
NOPAT Growth
63.63% 0.63% -60.44% 142.66% 44.89% 32.05% 6.99% 27.10% -43.25% -96.00% 851.50%
Net Income Growth
173.94% -76.54% 97.09% 73.69% 39.10% -25.14% 25.82% 65.25% -44.60% -206.13% 32.57%
EPS Growth
31.36% -55.17% 75.15% 6.42% 28.89% 31.28% 25.33% 68.56% -33.75% -216.89% 33.14%
Operating Cash Flow Growth
49.17% 4.13% 12.21% -5.00% 50.86% 31.02% 27.84% -3.14% -30.48% -27.38% 2.08%
Free Cash Flow Firm Growth
29.19% 126.25% -33.91% -194.52% 938.25% -193.62% 110.94% 90.77% -58.08% -143.19% 77.42%
Invested Capital Growth
42.45% -0.06% -1.68% 21.55% -100.00% 0.00% -0.78% -7.41% -1.46% 4.11% 3.52%
Revenue Q/Q Growth
3.75% 2.14% 6.19% 1.15% 0.00% 308.56% 0.00% -1.54% 3.24% -11.18% -4.65%
EBITDA Q/Q Growth
3.45% 2.98% 0.68% -4.77% 219.31% 509.58% -33.66% -0.12% -20.03% -77.32% 73.90%
EBIT Q/Q Growth
3.01% 2.64% 0.92% -6.74% 257.13% 377.48% -35.41% -0.30% -21.45% -90.81% 103.63%
NOPAT Q/Q Growth
4.46% 16.43% -54.31% 11.68% 0.00% 59.62% -30.64% 2.77% -36.82% 125.74% 111.67%
Net Income Q/Q Growth
118.30% -73.30% 1,217.17% -1.15% 1,447.32% -32.64% 0.00% 12.45% -43.40% -2,233.77% 24.61%
EPS Q/Q Growth
4.43% -36.47% 42.31% -11.52% 35.33% 22.81% 0.00% 14.20% -40.18% -5,229.41% 25.16%
Operating Cash Flow Q/Q Growth
-16.55% 52.50% -5.58% -2.32% 15.20% -7.20% 5.07% 10.25% -14.34% -11.06% -7.81%
Free Cash Flow Firm Q/Q Growth
9.22% 286.92% -71.31% -146.61% 0.00% 0.00% -18.80% 24.05% -54.17% 68.54% 74.14%
Invested Capital Q/Q Growth
-0.03% -8.02% -1.40% 7.47% -100.00% 4.31% 2.45% -1.09% 5.31% -1.73% -2.55%
Profitability Metrics
- - - - - - - - - - -
Gross Margin
77.10% 76.79% 74.75% 72.44% 0.00% 73.07% 74.81% 76.14% 73.17% 67.98% 67.87%
EBITDA Margin
32.17% 28.11% 26.10% 32.76% 0.00% 33.56% 38.36% 41.22% 36.52% 5.18% 14.93%
Operating Margin
29.56% 24.98% 21.69% 28.32% 0.00% 31.93% 35.54% 39.22% 33.05% 1.35% 11.95%
EBIT Margin
29.57% 25.18% 22.97% 29.27% 0.00% 61.24% 35.51% 38.12% 33.20% 1.77% 12.47%
Profit (Net Income) Margin
19.36% 4.19% 8.39% 14.16% 0.00% 12.08% 14.16% 21.75% 13.91% -16.89% -10.58%
Tax Burden Percent
142.62% 48.38% 162.77% 123.61% 0.00% 0.00% 75.12% 80.45% 62.56% 114.55% 144.72%
Interest Burden Percent
45.90% 34.42% 22.43% 39.13% 0.00% 94.04% 53.06% 70.93% 66.98% -834.05% -58.61%
Effective Tax Rate
34.29% 27.74% 66.59% 39.66% 0.00% 16.07% 24.88% 19.55% 37.44% 0.00% 0.00%
Return on Invested Capital (ROIC)
7.19% 6.16% 2.46% 5.43% 0.00% 17.24% 9.26% 12.27% 7.29% 0.29% 2.64%
ROIC Less NNEP Spread (ROIC-NNEP)
7.15% 0.26% 2.93% 4.29% 0.00% 4.85% 3.39% 6.90% 3.89% -7.09% -4.88%
Return on Net Nonoperating Assets (RNNOA)
24.69% 1.06% 12.50% 19.07% 0.00% 15.71% 9.67% 16.93% 9.16% -19.80% -18.99%
Return on Equity (ROE)
31.88% 7.22% 14.95% 24.49% 0.00% 65.89% 18.93% 29.20% 16.45% -19.52% -16.34%
Cash Return on Invested Capital (CROIC)
-27.83% 6.22% 4.15% -14.03% 0.00% -365.52% 10.04% 19.96% 8.77% -3.74% -0.81%
Operating Return on Assets (OROA)
9.59% 7.18% 6.52% 8.22% 0.00% 17.43% 10.91% 13.00% 10.19% 0.47% 3.49%
Return on Assets (ROA)
6.28% 1.20% 2.38% 3.98% 0.00% 13.76% 4.35% 7.42% 4.27% -4.52% -2.96%
Return on Common Equity (ROCE)
30.05% 6.70% 13.84% 21.11% 50.10% 32.84% 18.88% 29.17% 16.45% -19.52% -16.34%
Return on Equity Simple (ROE_SIMPLE)
32.42% 7.94% 16.70% 27.88% 13.42% 49.47% 17.45% 29.63% 16.49% -22.05% -18.15%
Net Operating Profit after Tax (NOPAT)
203 204 81 196 284 375 401 509 289 12 110
NOPAT Margin
19.43% 18.05% 7.25% 17.09% 0.00% 26.80% 26.70% 31.56% 20.68% 0.95% 8.37%
Net Nonoperating Expense Percent (NNEP)
0.03% 5.89% -0.48% 1.14% 0.00% 0.00% 5.87% 5.37% 3.40% 7.37% 7.52%
Return On Investment Capital (ROIC_SIMPLE)
- - - - - - - - 7.09% 0.27% 2.48%
Cost of Revenue to Revenue
22.90% 23.21% 25.25% 27.56% 0.00% 26.93% 25.19% 23.86% 26.83% 32.02% 32.13%
SG&A Expenses to Revenue
22.03% 25.18% 21.09% 22.95% 0.00% 18.37% 17.19% 15.15% 18.38% 20.94% 22.38%
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
47.54% 51.81% 53.06% 44.12% 0.00% 82.28% 39.27% 36.92% 40.12% 66.63% 55.92%
Earnings before Interest and Taxes (EBIT)
309 284 256 335 397 428 533 615 464 22 164
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
336 318 291 375 438 469 576 666 511 63 197
Valuation Ratios
- - - - - - - - - - -
Price to Book Value (P/BV)
1.83 1.23 1.31 1.91 0.00 1.07 1.00 1.53 0.95 1.28 1.47
Price to Tangible Book Value (P/TBV)
0.00 0.00 0.00 0.00 0.00 7.96 3.93 6.32 3.13 3.62 4.36
Price to Revenue (P/Rev)
1.09 0.65 0.66 0.97 0.00 0.79 0.81 1.13 0.80 0.98 0.86
Price to Earnings (P/E)
5.50 5.43 4.78 6.68 0.00 6.54 5.76 5.18 5.76 0.00 0.00
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
18.17% 18.42% 20.94% 14.97% 0.00% 15.29% 17.35% 19.29% 17.35% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)
1.16 1.09 1.05 1.13 0.00 1.02 1.00 1.16 0.99 1.06 1.09
Enterprise Value to Revenue (EV/Rev)
3.67 3.19 3.08 3.92 0.00 3.16 2.87 2.87 2.77 3.56 3.50
Enterprise Value to EBITDA (EV/EBITDA)
11.42 11.36 11.80 11.96 1.53 9.43 7.49 6.95 7.59 68.73 23.42
Enterprise Value to EBIT (EV/EBIT)
12.42 12.68 13.41 13.38 1.69 10.33 8.09 7.52 8.35 201.44 28.05
Enterprise Value to NOPAT (EV/NOPAT)
18.91 17.68 42.49 22.92 2.37 11.80 10.77 9.08 13.40 376.15 41.81
Enterprise Value to Operating Cash Flow (EV/OCF)
34.37 31.06 26.31 36.25 3.59 18.07 13.79 15.26 18.40 28.46 29.49
Enterprise Value to Free Cash Flow (EV/FCFF)
0.00 17.50 25.18 0.00 0.16 0.00 9.93 5.58 11.15 0.00 0.00
Leverage & Solvency
- - - - - - - - - - -
Debt to Equity
4.17 4.54 4.67 4.76 0.00 6.85 2.69 2.53 2.46 3.54 4.79
Long-Term Debt to Equity
4.17 4.54 4.67 4.76 0.00 6.85 2.69 2.53 2.46 3.54 4.79
Financial Leverage
3.45 4.05 4.26 4.45 0.00 6.48 2.86 2.45 2.35 2.80 3.89
Leverage Ratio
5.08 6.03 6.28 6.16 0.00 9.58 4.35 3.94 3.85 4.32 5.53
Compound Leverage Factor
2.33 2.08 1.41 2.41 0.00 4.50 2.31 2.79 2.58 -36.02 -3.24
Debt to Total Capital
80.66% 81.95% 82.37% 82.64% 0.00% 154.81% 72.90% 71.66% 71.08% 77.99% 82.72%
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
80.66% 81.95% 82.37% 82.64% 0.00% 154.81% 72.90% 71.66% 71.08% 77.99% 82.72%
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
1.22% 1.45% 1.21% 3.41% 0.00% 0.14% 0.05% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital
18.12% 16.60% 16.42% 13.95% 0.00% 45.04% 27.05% 28.34% 28.92% 22.01% 17.28%
Debt to EBITDA
8.26 9.27 9.66 9.18 0.00 14.98 5.70 4.50 5.68 52.38 18.68
Net Debt to EBITDA
7.89 8.88 9.14 8.62 0.00 14.16 5.37 4.22 5.39 49.88 17.67
Long-Term Debt to EBITDA
8.26 9.27 9.66 9.18 0.00 14.98 5.70 4.50 5.68 52.38 18.68
Debt to NOPAT
13.68 14.43 34.77 17.60 0.00 18.76 8.19 5.88 10.03 286.67 33.35
Net Debt to NOPAT
13.07 13.83 32.92 16.52 0.00 19.49 7.72 5.51 9.53 272.99 31.53
Long-Term Debt to NOPAT
13.68 14.43 34.77 17.60 0.00 18.76 8.19 5.88 10.03 286.67 33.35
Altman Z-Score
0.92 0.76 0.86 0.85 0.00 1.98 1.17 1.48 1.23 0.78 0.81
Noncontrolling Interest Sharing Ratio
5.72% 7.15% 7.47% 13.84% 0.00% 0.63% 0.25% 0.10% 0.00% 0.00% 0.00%
Liquidity Ratios
- - - - - - - - - - -
Current Ratio
0.54 0.43 0.64 0.74 0.00 1.72 0.88 0.83 0.73 0.83 0.86
Quick Ratio
0.54 0.43 0.64 0.74 0.00 1.72 0.88 0.83 0.73 0.83 0.86
Cash Flow Metrics
- - - - - - - - - - -
Free Cash Flow to Firm (FCFF)
-785 206 136 -506 4,242 -3,972 435 829 348 -150 -34
Operating Cash Flow to CapEx
483.21% 405.77% 411.56% 440.23% 0.00% 1,235.96% 904.23% 13,694.22% 2,217.23% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense
-4.70 1.10 0.69 -2.48 17.87 -35.03 1.74 4.63 2.27 -0.74 -0.13
Operating Cash Flow to Interest Expense
0.67 0.62 0.66 0.61 0.79 2.20 1.25 1.69 1.37 0.76 0.60
Operating Cash Flow Less CapEx to Interest Expense
0.53 0.47 0.50 0.47 1.07 1.81 1.11 1.68 1.31 0.90 0.71
Efficiency Ratios
- - - - - - - - - - -
Asset Turnover
0.32 0.29 0.28 0.28 0.00 0.57 0.31 0.34 0.31 0.27 0.28
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
17.00 16.20 15.38 15.43 0.00 0.00 12.14 13.06 11.96 11.22 14.27
Accounts Payable Turnover
1.29 1.00 1.07 1.22 0.00 0.00 1.72 1.73 1.75 2.02 2.00
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)
282.02 363.62 340.86 300.08 0.00 0.00 212.25 211.08 208.12 180.92 182.74
Cash Conversion Cycle (CCC)
-282.02 -363.62 -340.86 -300.08 0.00 0.00 -212.25 -211.08 -208.12 -180.92 -182.74
Capital & Investment Metrics
- - - - - - - - - - -
Invested Capital
3,314 3,312 3,257 3,959 0.00 4,346 4,313 3,993 3,935 4,096 4,240
Invested Capital Turnover
0.37 0.34 0.34 0.32 0.00 0.64 0.35 0.39 0.35 0.30 0.32
Increase / (Decrease) in Invested Capital
988 -2.10 -55 702 -3,959 4,346 -34 -320 -58 162 144
Enterprise Value (EV)
3,833 3,607 3,429 4,488 671 4,422 4,316 4,626 3,876 4,354 4,605
Market Capitalization
1,142 735 731 1,112 671 1,098 1,221 1,818 1,121 1,194 1,132
Book Value per Share
$24.22 $23.60 $21.91 $22.04 $0.00 $32.91 $38.85 $40.49 $50.44 $39.80 $32.39
Tangible Book Value per Share
($10.69) ($12.99) ($8.84) ($13.15) $0.00 $4.44 $9.91 $9.82 $15.33 $14.03 $10.95
Total Capital
3,438 3,593 3,406 4,171 0.00 4,539 4,502 4,183 4,078 4,255 4,440
Total Debt
2,774 2,944 2,806 3,447 0.00 3,513 3,282 2,997 2,899 3,318 3,673
Total Long-Term Debt
2,774 2,944 2,806 3,447 0.00 3,513 3,282 2,997 2,899 3,318 3,673
Net Debt
2,649 2,820 2,656 3,235 0.00 3,321 3,092 2,808 2,755 3,160 3,473
Capital Expenditures (CapEx)
23 29 32 28 -67 40 35 2.21 9.50 -28 -27
Debt-free, Cash-free Net Working Capital (DFCFNWC)
-232 -291 -234 -285 0.00 -224 -216 -230 -198 -190 -234
Debt-free Net Working Capital (DFNWC)
-108 -167 -85 -73 0.00 -32 -27 -40 -54 -32 -34
Net Working Capital (NWC)
-108 -167 -85 -73 0.00 -32 -27 -40 -54 -32 -34
Net Nonoperating Expense (NNE)
0.69 157 -13 34 58 206 188 158 95 218 249
Net Nonoperating Obligations (NNO)
2,649 2,664 2,656 3,235 0.00 3,321 3,092 2,808 2,755 3,160 3,473
Total Depreciation and Amortization (D&A)
27 33 35 40 41 41 43 50 46 42 32
Debt-free, Cash-free Net Working Capital to Revenue
-22.23% -25.72% -21.05% -24.85% 0.00% -16.02% -14.38% -14.22% -14.18% -15.53% -17.74%
Debt-free Net Working Capital to Revenue
-10.33% -14.75% -7.60% -6.34% 0.00% -2.26% -1.78% -2.47% -3.88% -2.58% -2.56%
Net Working Capital to Revenue
-10.33% -14.75% -7.60% -6.34% 0.00% -2.26% -1.78% -2.47% -3.88% -2.58% -2.56%
Earnings Adjustments
- - - - - - - - - - -
Adjusted Basic Earnings per Share
$4.01 $1.75 $2.98 $3.20 $4.09 $5.38 $6.74 $11.64 $8.06 ($8.72) ($5.83)
Adjusted Weighted Average Basic Shares Outstanding
25.85M 25.72M 25.71M 25.97M 28.31M 31.21M 31.43M 30.13M 24.14M 23.67M 23.87M
Adjusted Diluted Earnings per Share
$3.77 $1.69 $2.96 $3.15 $4.06 $5.33 $6.68 $11.26 $7.46 ($8.72) ($5.83)
Adjusted Weighted Average Diluted Shares Outstanding
27.50M 26.65M 25.91M 26.41M 28.57M 31.47M 31.71M 31.15M 26.09M 23.67M 23.87M
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
25.80M 25.29M 25.60M 0.00 0.00 31.10M 31.35M 24.53M 23.32M 23.55M 23.69M
Normalized Net Operating Profit after Tax (NOPAT)
203 204 169 196 284 384 401 509 292 191 194
Normalized NOPAT Margin
19.43% 18.05% 15.18% 17.09% 0.00% 27.45% 26.70% 31.56% 20.86% 15.66% 14.70%
Pre Tax Income Margin
13.57% 8.67% 5.15% 11.45% 0.00% 14.40% 18.84% 27.04% 22.24% -14.74% -7.31%
Debt Service Ratios
- - - - - - - - - - -
EBIT to Interest Expense
1.85 1.53 1.29 1.64 1.67 1.89 2.13 3.44 3.03 0.11 0.63
NOPAT to Interest Expense
1.21 1.09 0.41 0.96 1.20 1.65 1.60 2.85 1.89 0.06 0.42
EBIT Less CapEx to Interest Expense
1.71 1.37 1.13 1.51 1.95 1.71 1.99 3.43 2.97 0.24 0.74
NOPAT Less CapEx to Interest Expense
1.08 0.94 0.25 0.82 1.48 2.96 1.46 2.83 1.82 0.20 0.53
Payout Ratios
- - - - - - - - - - -
Dividend Payout Ratio
0.00% 0.00% 5.18% -18.33% -103.76% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio
8.32% 70.03% 5.18% -18.33% -103.76% 0.00% 0.00% 111.22% 44.72% 0.00% 0.00%

Quarterly Metrics And Ratios for Encore Capital Group

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

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

Key Financial Trends

Encore Capital Group delivered a strong Q1 2025 financial performance, marked by accelerating revenue and profitability compared with Q1 2024 and earlier quarters. Revenue grew handsomely, gross and operating margins expanded, and return metrics improved. However, the company carries elevated leverage and continues to invest heavily, leading to negative free cash flow to the firm. Below are the key highlights:

  • Revenue grew 15.3% year-over-year to $392.8 million in Q1 2025, compared with $340.8 million in Q1 2024.
  • Net income rose to $46.8 million (EPS $1.96), up 103% from $23.2 million (EPS $0.98) in Q1 2024.
  • Operating margin expanded to 32.9% in Q1 2025 from 24.6% a year earlier, reflecting stronger leverage on revenue growth.
  • Return on invested capital (ROIC) improved to 8.14% in Q1 2025, up from 6.17% in Q1 2024.
  • EV/EBITDA multiple compressed to 18.3x in Q1 2025 from 57.1x in Q1 2024, suggesting more attractive valuation relative to earnings.
  • Price to tangible book value eased to 2.71x from 3.05x, reflecting downward re-rating of shares.
  • Altman Z-Score remains below 1 at 0.74, broadly in line with prior quarters but still signaling financial stress.
  • Free cash flow to the firm was negative $178 million in Q1 2025, driven by heavy investment and working capital deployment.
  • Net debt increased to $3.60 billion at quarter end, lifting the debt-to-equity ratio to 4.63x from 3.53x in Q1 2024.
  • Despite solid operating cash flow of $45.3 million, leverage and cash burn for investments may pressure liquidity if operating momentum slows.

Overall, Encore Capital’s first quarter showed robust earnings growth and margin expansion, but high leverage and significant outflows for investments have resulted in negative free cash flow and a low Z-Score. Investors should monitor the company’s ability to convert improved profitability into sustainable cash generation while managing debt levels.

07/19/25 03:08 PMAI Generated. May Contain Errors.

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 9 years?

Encore Capital Group's net income appears to be on a downward trend, with a most recent value of -$139.24 million in 2024, falling from $73.74 million in 2013. The previous period was -$206.49 million in 2023. View Encore Capital Group's forecast to see where analysts expect Encore Capital Group to go next.

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's revenue changed over the last 9 years?

Over the last 9 years, Encore Capital Group's total revenue changed from $757.46 million in 2013 to $1.32 billion in 2024, a change of 73.8%.

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 93.1% increase since 2013.

How much cash does Encore Capital Group have?

In the past 10 years, Encore Capital Group's cash and equivalents has ranged from $123.99 million in 2015 to $212.14 million in 2017, 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 10 years?

Over the last 10 years, Encore Capital Group's book value per share changed from 24.22 in 2014 to 32.39 in 2024, a change of 33.7%.



This page (NASDAQ:ECPG) was last updated on 7/19/2025 by MarketBeat.com Staff
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