ECPG
Encore Capital Group, Inc.
NASDAQ · Financial Services · Financial - Mortgages · US
$97.30
+0.38%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 1.9B | 1.8B | 1.3B | 1.2B | 1.4B |
| Cost of Revenue | 683.6M | 546.7M | 712.8M | 651.4M | 628.6M |
| Gross Profit | 1.2B | 1.2B | 603.6M | 571.2M | 769.7M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 122.3M | 165.9M | 163.8M | 144.9M | 145.8M |
| General & Admin Expense | 122.3M | 165.9M | 163.8M | 144.9M | 145.8M |
| Selling & Marketing Expense | — | — | — | — | — |
| Other Expenses | 376.3M | 426.3M | 282.4M | 409.8M | 161.7M |
| Total Operating Expenses | 498.6M | 592.2M | 446.2M | 554.7M | 307.5M |
| Cost and Expenses | 1.2B | 1.1B | 1.2B | 1.2B | 936.2M |
| Operating Income (EBIT) | 716.5M | 623.6M | 157.3M | 16.5M | 462.2M |
| Non-Operating | |||||
| Interest Income | 453.9M | — | — | — | — |
| Interest Expense | 290.2M | 287.6M | 252.5M | 201.9M | 153.3M |
| Net Interest Income | 163.6M | (287.6M) | (252.5M) | (201.9M) | (153.3M) |
| Other Non-Op Income/Expense | (324.2M) | (287.4M) | (253.5M) | (196.8M) | (151.2M) |
| Non-Operating Income (excl Interest) | 34.0M | (221.0K) | 15.8M | (5.1M) | (2.1M) |
| EBT (Pre-Tax Income) | 392.3M | 336.2M | (96.2M) | (180.3M) | 311.0M |
| Income Tax Expense | 90.7M | 79.3M | 43.0M | 26.2M | 116.4M |
| Bottom Line | |||||
| Net Income | 301.6M | 256.8M | (139.2M) | (206.5M) | 194.6M |
| Earnings from Cont. Ops | 301.6M | 256.8M | (139.2M) | (206.5M) | 194.6M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 301.6M | 256.8M | (139.2M) | (206.5M) | 194.6M |
| Per Share | |||||
| Basic EPS | $13.59 | $11.05 | ($5.83) | ($8.72) | $8.06 |
| Diluted EPS | $13.21 | $10.91 | ($5.83) | ($8.72) | $7.46 |
| Revenue Per Share | $88.09 | $75.86 | $55.14 | $51.66 | $57.92 |
| Shares | |||||
| Basic Shares Outstanding | 21.6M | 23.2M | 23.9M | 23.7M | 24.1M |
| Diluted Shares Outstanding | 22.8M | 23.5M | 23.9M | 23.7M | 26.1M |
| Profitability Metrics | |||||
| EBITDA | 710.6M | 652.5M | 174.0M | 63.4M | 510.7M |
| D&A | 28.1M | 28.8M | 32.4M | 41.7M | 46.4M |
| EBIT | 682.5M | 623.8M | 141.6M | 21.6M | 464.3M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Jun 1, 2026