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ENCORE CAPITAL GROUP INC

ECPG Clue Score44
United States Fiscal year ends December CIK 0001084961
$99.77 -0.29% Close, 9 Oct 2026
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Price $99.77 +96.44% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2016Revenue82.6Operating income241.5Net income76.6EPS, diluted2.96Fiscal year 2017Revenue90.1 +9.0%Operating income324.5Net income83.2 +8.7%EPS, diluted3.15 +6.4%Fiscal year 2018Revenue148.0 +64.3%Operating income405.3Net income115.9 +39.2%EPS, diluted4.06 +28.9%Fiscal year 2019Revenue126.5 −14.5%Operating income446.3Net income167.9 +44.9%EPS, diluted5.33 +31.3%Fiscal year 2020Revenue115.1 −9.0%Operating income533.6Net income211.8 +26.2%EPS, diluted6.68 +25.3%Fiscal year 2021Revenue120.8 +4.9%Operating income633.3Net income350.8 +65.6%EPS, diluted11.26 +68.6%Fiscal year 2022Revenue94.9 −21.4%Operating income462.2Net income194.6 −44.5%EPS, diluted7.46 −33.7%Fiscal year 2023Revenue83.1 −12.4%Operating income16.5Net income−206.5 −206.1%EPS, diluted−8.72 −216.9%Fiscal year 2024Revenue84.8 +2.0%Operating income157.3Net income−139.2EPS, diluted−5.83Fiscal year 2025Revenue88.4 +4.3%Operating income626.6Net income256.8EPS, diluted10.91
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 82.6 90.1 148.0 126.5 115.1 120.8 94.9 83.1 84.8 88.4
Growth +9.0% +64.3% −14.5% −9.0% +4.9% −21.4% −12.4% +2.0% +4.3%
Operating income 241.5 324.5 405.3 446.3 533.6 633.3 462.2 16.5 157.3 626.6
Net income 76.6 83.2 115.9 167.9 211.8 350.8 194.6 −206.5 −139.2 256.8
Growth +8.7% +39.2% +44.9% +26.2% +65.6% −44.5% −206.1%
EPS, diluted 2.96 3.15 4.06 5.33 6.68 11.26 7.46 −8.72 −5.83 10.91
Growth +6.4% +28.9% +31.3% +25.3% +68.6% −33.7% −216.9%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Operating marginNet margin
Fiscal year 2016Operating margin292.2%Net margin92.7%Free cash flow margin119.4%Fiscal year 2017Operating margin360.3%Net margin92.4%Free cash flow margin106.2%Fiscal year 2018Operating margin273.8%Net margin78.3%Free cash flow margin80.6%Fiscal year 2019Operating margin352.8%Net margin132.7%Free cash flow margin162.1%Fiscal year 2020Operating margin463.5%Net margin184.0%Free cash flow margin241.7%Fiscal year 2021Operating margin524.3%Net margin290.4%Free cash flow margin223.3%Fiscal year 2022Operating margin486.9%Net margin205.0%Free cash flow margin182.7%Fiscal year 2023Operating margin19.9%Net margin−248.4%Free cash flow margin154.2%Fiscal year 2024Operating margin185.6%Net margin−164.2%Free cash flow margin150.0%Fiscal year 2025Operating margin709.0%Net margin290.6%Free cash flow margin143.6%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating margin 292.2% 360.3% 273.8% 352.8% 463.5% 524.3% 486.9% 19.9% 185.6% 709.0%
Net margin 92.7% 92.4% 78.3% 132.7% 184.0% 290.4% 205.0% −248.4% −164.2% 290.6%
Free cash flow margin 119.4% 106.2% 80.6% 162.1% 241.7% 223.3% 182.7% 154.2% 150.0% 143.6%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow130.3Capital expenditure−31.7Free cash flow98.7Buybacks0.0Fiscal year 2017Operating cash flow123.8Capital expenditure−28.1Free cash flow95.7 −3.0%Buybacks0.0Fiscal year 2018Operating cash flow186.8Capital expenditure−67.5Free cash flow119.3 +24.7%Fiscal year 2019Operating cash flow244.7Capital expenditure−39.6Free cash flow205.1 +71.9%Buybacks0.0Fiscal year 2020Operating cash flow312.9Capital expenditure−34.6Free cash flow278.3 +35.7%Buybacks0.0Fiscal year 2021Operating cash flow303.1Capital expenditure−33.4Free cash flow269.7 −3.1%Buybacks−390.6Fiscal year 2022Operating cash flow210.7Capital expenditure−37.2Free cash flow173.5 −35.7%Buybacks−87.0Fiscal year 2023Operating cash flow153.0Capital expenditure−24.8Free cash flow128.2 −26.1%Buybacks0.0Fiscal year 2024Operating cash flow156.2Capital expenditure−29.0Free cash flow127.2 −0.8%Buybacks0.0Fiscal year 2025Operating cash flow153.2Capital expenditure−26.3Free cash flow126.9 −0.2%Buybacks−90.4
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 130.3 123.8 186.8 244.7 312.9 303.1 210.7 153.0 156.2 153.2
Capital expenditure −31.7 −28.1 −67.5 −39.6 −34.6 −33.4 −37.2 −24.8 −29.0 −26.3
Free cash flow 98.7 95.7 119.3 205.1 278.3 269.7 173.5 128.2 127.2 126.9
Growth −3.0% +24.7% +71.9% +35.7% −3.1% −35.7% −26.1% −0.8% −0.2%
Buybacks 0.0 0.0 n/a 0.0 0.0 −390.6 −87.0 0.0 0.0 −90.4

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash149.8Shareholders’ equity559.3Fiscal year 2017Cash212.1Shareholders’ equity581.9Fiscal year 2018Cash157.4Shareholders’ equity818.0Fiscal year 2019Cash192.3Shareholders’ equity1,022.2Fiscal year 2020Cash189.2Shareholders’ equity1,217.6Fiscal year 2021Cash189.6Shareholders’ equity1,185.3Fiscal year 2022Cash143.9Shareholders’ equity1,179.6Fiscal year 2023Cash158.4Shareholders’ equity936.5Fiscal year 2024Cash199.9Shareholders’ equity767.3Fiscal year 2025Cash156.8Shareholders’ equity976.8
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 149.8 212.1 157.4 192.3 189.2 189.6 143.9 158.4 199.9 156.8
Shareholders’ equity 559.3 581.9 818.0 1,022.2 1,217.6 1,185.3 1,179.6 936.5 767.3 976.8

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
292.2% 360.3% 273.8% 352.8% 463.5% 524.3% 486.9% 19.9% 185.6% 709.0%
69.4% 145.7% 105.7% 159.1% 245.7% 361.4% 327.6% −216.8% −113.5% 380.3%
92.7% 92.4% 78.3% 132.7% 184.0% 290.4% 205.0% −248.4% −164.2% 290.6%
119.4% 106.2% 80.6% 162.1% 241.7% 223.3% 182.7% 154.2% 150.0% 143.6%
Spending
162.2% 175.5% 107.0% 117.2% 129.5% 114.0% 153.6% 174.2% 193.3% 187.7%
38.3% 31.2% 45.6% 31.3% 30.1% 27.6% 39.2% 29.8% 34.2% 29.7%
66.6% 39.7% 29.9% 16.1% 24.9% 19.5% 37.4% n/a n/a 23.6%
Returns
13.7% 14.3% 14.2% 16.4% 17.4% 29.6% 16.5% −22.0% −18.1% 26.3%
2.1% 1.9% 2.5% 3.4% 4.4% 7.6% 4.3% −4.5% −2.9% 4.8%
Balance and payout
83.6% 83.9% 82.3% 79.1% 74.9% 74.3% 73.8% 79.8% 84.0% 81.7%
0.0% 0.0% n/a 0.0% 0.0% 144.8% 50.2% 0.0% 0.0% 71.2%