ENCORE CAPITAL GROUP INC

Listed Company

ECPGCIK 0001084961NasdaqLarge AcceleratedShort-Term Business Credit InstitutionsDelawareFY ends Dec 31

Period

FY 2025

Revenue

$1.77B

Net Income

$256.83M

Total Assets

$5.34B

Equity

$976.75M

Shares Out

21.44M

Op. Cash Flow

$153.20M

ECPG$91.30+133.59% · past yearDBEQ Basic

Daily closing prices

Business

Encore Capital Group is an international specialty finance company providing debt recovery solutions for consumers across defaulted financial assets. The company purchases portfolios of charged-off consumer receivables at discounts to face value and manages collections through direct mail, call centers, digital channels, and legal action. Encore operates through two primary divisions: Midland Credit Management (MCM) in the United States and Cabot Credit Management in Europe and the United Kingdom, supplemented by smaller operations in India and Mexico.

Summary from 10-K filed 2026-02-25

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Portfolio revenue	1,456	1,303	1,204	1,202	—
Changes in recoveries	209	−90	−83	93	199
Total debt purchasing revenue	1,665	1,213	1,122	1,296	1,487
Servicing revenue	88	85	83	95	121
Other revenues	16	19	18	8	7
Total revenues	1,769	1,316	1,223	1,398	1,614
Salaries and employee benefits	458	423	392	375	385
Cost of legal collections	315	259	224	218	254
General and administrative expenses	166	164	145	146	138
Other operating expenses	144	131	111	111	107
Collection agency commissions	29	31	36	36	47
Depreciation and amortization	29	32	42	46	50
Goodwill impairment	0	101	238	0	0
Impairment of assets	0	19	19	4	0
Total operating expenses	1,142	1,159	1,206	936	981
Income from operations	627	157	17	462	633
Interest expense	−294	−253	−202	−153	—
Loss on extinguishment of debt	−2	−8	0	0	−9
Other income	5	7	5	2	−18
Total other expense	−290	−254	−197	−151	−197
Income (loss) before income taxes	336	−96	−180	311	437
Provision for income taxes	−79	−43	−26	−116	−85
Net income (loss)	257	−139	−206	195	351
Basic (USD per share)	11.05	−5.83	−8.72	8.06	11.64
Diluted (USD per share)	10.91	−5.83	−8.72	7.46	11.26
Basic (shares)	23	24	24	24	30
Diluted (shares)	24	24	24	26	31

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and cash equivalents	157	200	158	144	190
Receivable portfolios, net	4,372	3,776	3,468	3,088	3,066
Property and equipment, net	82	81	104	114	120
Other assets	193	225	293	341	335
Goodwill	536	508	606	821	898
Total assets	5,340	4,790	4,630	4,508	4,608
Accounts payable and accrued liabilities	230	234	190	198	230
Borrowings	4,001	3,673	3,318	2,899	2,997
Other liabilities	131	116	186	232	196
Total liabilities	4,363	4,022	3,694	3,329	3,423
Commitments and contingencies (Note 13)	—	—	—	—	—
Convertible preferred stock, $0.01 par value, 5,000 shares authorized, no shares issued and outstanding	0	0	0	0	0
Common stock, $0.01 par value, 75,000 shares authorized, 21,688 shares and 23,691 shares issued and outstanding as of December 31, 2025 and December 31, 2024, respectively	217,000	237,000	235,000	233,000	245,000
Additional paid-in capital	0	19	11	0	0
Accumulated earnings	1,105	910	1,049	1,278	1,239
Accumulated other comprehensive loss	−128	−162	−124	−99	−54
Total stockholders equity	977	767	937	1,180	1,185
Total liabilities and stockholders equity	5,340	4,790	4,630	4,508	4,608

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Depreciation and amortization	29	32	42	46	50
Other non-cash interest expense, net	14	16	17	16	18
Stock-based compensation expense	18	14	14	15	18
Deferred income taxes	30	−22	−56	46	35
Tangible asset impairment charges	0	19	19	4	—
Other, net	8	18	−2	19	26
Other assets	10	−28	16	−7	39
Accounts payable, accrued liabilities and other liabilities	−4	56	−10	−31	−36
Net cash provided by operating activities	153	156	153	211	303
Purchases of receivable portfolios, net of put-backs	−1,389	−1,336	−1,060	−791	−657
Collections applied to receivable portfolios	1,137	860	658	709	1,020
Purchases of real estate owned	0	−212,000	−27	−39	−17
Purchases of property and equipment	−26	−29	−25	−37	−33
Proceeds from sale of real estate owned	38	56	53	28	31
Other, net	−2	9	−793,000	0	−3
Net cash used in investing activities	−243	−440	−402	−130	340
Payment of loan and debt refinancing costs	−10	−21	−14	−2	−12
Proceeds from credit facilities	1,273	2,031	1,196	780	822
Repayment of credit facilities	−1,359	−1,868	−990	−516	−896
Proceeds from senior secured notes	500	1,000	104	0	354
Repayment of senior secured notes	−116	−789	−39	−39	−359
Proceeds from issuance of convertible senior notes	0	0	230	0	0
Repayment of convertible senior notes	−106	0	−212	−221	−161
Repayment of other debt	−42	−22	−13	—	—
Payments to settle derivative instruments	0	−40	0	0	—
Repurchase and retirement of common stock	−90	0	0	−87	−391
Other, net	−4	27	6	−22	−12
Net cash provided by financing activities	45	318	268	−107	−656
Net (decrease) increase in cash and cash equivalents	−45	34	19	−27	−13
Effect of exchange rate changes on cash and cash equivalents	1	8	−5	−19	13
Cash paid for interest	260	211	164	131	132
Cash paid for income taxes, net of refunds	55	67	69	71	42
Receivable portfolios transferred to real estate owned	4	6	8	2	768,000

Filings

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Frequently asked questions

What is ENCORE CAPITAL GROUP INC's CIK number?

ENCORE CAPITAL GROUP INC's SEC CIK number is 0001084961 (1084961). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find ENCORE CAPITAL GROUP INC's SEC filings?

All of ENCORE CAPITAL GROUP INC's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did ENCORE CAPITAL GROUP INC last report earnings?

ENCORE CAPITAL GROUP INC (ECPG) most recently filed an earnings 8-K with the SEC on May 6, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001084961-26-000038). This is ENCORE CAPITAL GROUP INC's most recent earnings filing of record — not a forecast of its next earnings date.

What is ENCORE CAPITAL GROUP INC's most recent earnings 8-K?

ENCORE CAPITAL GROUP INC's latest earnings 8-K (Item 2.02) was filed May 6, 2026 under accession 0001084961-26-000038. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

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