Symbols

ECPG

Encore Capital Group·NASDAQ

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ECPG fundamentals

ECPG Q4 2025 Earnings

Encore Capital Group (ECPG) released its earnings on Feb 25, 2026: revenue was 473.55M (YoY +78.28%), beat estimates; EPS was 3.37 (YoY +135.77%), beat estimates.

Revenue / YoY

473.55M

+78.28%

EPS / YoY

3.37

+135.77%

Report date

Feb 25, 2026

ECPG Earnings Call Summary for Q4,2025

Record 2025 Performance: $1.4B portfolio purchases, $2.6B collections, $257M net income. U.S. MCM collections up 24% to $1.95B.
2026 Guidance: $12 EPS (+10%), $1.4-1.5B portfolio purchases, $2.7B collections (+5%).
Balance Sheet Strength: 2.4x leverage, $500M debt issuance at 6.625%, 2026 cash efficiency >58%.
Strategic Focus: U.S. portfolio buying, share buybacks (9% in 2025), and digital collections innovation.
Q&A Themes: Guidance confidence, M&A pass, technology-driven collections growth, stable consumer behavior.

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Key Indicators

Encore Capital Group (ECPG) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

Encore Capital Group (ECPG)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

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Balance Sheet

Encore Capital Group (ECPG)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

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Cash Flow

Encore Capital Group (ECPG)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.

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