ENCORE CAPITAL GROUP INC
About ENCORE CAPITAL GROUP INC
Encore Capital Group Inc is an international specialty finance company engaged in providing debt recovery solutions and other related services for consumers across a broad range of financial assets. It mainly purchases portfolios of defaulted consumer receivables at deep discounts to face value and manages them by working with individuals to repay their obligations and work toward financial recovery. The company also provides debt servicing and other portfolio management services to credit originators for non-performing loans in Europe. It has only one reportable segment, debt purchasing and recovery. Geographically, the company generates maximum revenue from its business in the United States, followed by the United Kingdom, Europe, and other regions.
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Financial summary
- Revenue FY2025
- $88.4M
- Net income
- $256.8M
- Total assets
- $5.3B
- Market cap
- $1.7B
- Operating margin
- 35.4%
- Net margin
- 14.5%
Source: SEC EDGAR · updated Jun 7, 2026
Revenue & profit trend
Financial statements
Income statement
- Revenue
- $1.8B
- Operating expenses
- $1.1B
- Operating income
- $626.6M
- Income tax
- $79.3M
- Net income
- $256.8M
- EPS (basic)
- $11.05
- EPS (diluted)
- $10.91
Balance sheet
- Total assets
- $5.3B
- Current assets
- $5.3B
- Total liabilities
- $4.4B
- Current liabilities
- $4.4B
- Shareholders’ equity
- $976.8M
Cash flow
- Operating cash flow
- $153.2M
- Investing cash flow
- -$242.6M
- Financing cash flow
- $44.9M
- Net cash flow
- -$43.1M
Statements via Polygon.io (SEC filings)
15-minute delayed · data by Polygon.io
Past year
52-week range
- Market cap
- $1.7B
- P/E ratio
- 7.4
- EPS (diluted)
- $10.91
- Shares outstanding
- 21.8M
- Open
- —
- Day range
- –
- Prev close
- —
- Volume
- —
- IPO date
- Jul 9, 1999
Market data by Polygon.io · prices are 15-minute delayed
At a glance
- Profitable — net income of $256.8M in FY2025.
- Revenue grew 10% from FY2021 to FY2025.
- Trading 5% below its 52-week high.
- Valued at a price-to-earnings (P/E) ratio of 7.4.
Automatically generated from public filings and market data. Informational only — not investment advice or a recommendation to buy or sell any security.
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