ENCORE CAPITAL GROUP INC ECPG

Latest FY: 2025 Financial Services Credit Services
Market Price $97.92
Market Cap $2.10B
P/E Ratio 8.97
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑34.4% YoY
$1.77B
3-Yr CAGR: 158.1%
Net Income ↑284.4% YoY
$256.83M
Net Margin: 14.5%
Free Cash Flow ↓-0.2% YoY
$126.93M
FCF Yield: 6.05%
EPS (Diluted) ↑287.1% YoY
$10.91
Basic: $11.05
Return on Equity Efficiency
21.7%
ROA: 4.8%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (ECPG)

All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
  • FY 2019: Revenue YoY (-11.0%) is identical to Gross Profit YoY (-11.0%). Verify the underlying Revenue and Gross Profit values for FY 2019 and FY 2018.
  • FY 2020: Revenue YoY (-12.5%) is identical to Gross Profit YoY (-12.5%). Verify the underlying Revenue and Gross Profit values for FY 2020 and FY 2019.
  • FY 2021: Revenue YoY (+6.9%) is identical to Gross Profit YoY (+6.9%). Verify the underlying Revenue and Gross Profit values for FY 2021 and FY 2020.
  • FY 2022: Revenue YoY (-19.4%) is identical to Gross Profit YoY (-19.4%). Verify the underlying Revenue and Gross Profit values for FY 2022 and FY 2021.
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $1,029.3M $830.9M $76.6M $2.96 0.00% $130.3M $98.7M
FY 2017 $1,187.0M +15.3% $982.9M $83.2M +8.7% $3.15 +6.4% 0.00% $123.8M $95.7M -3.0%
FY 2018 $153.4M -87.1% $153.4M $115.9M +39.2% $4.06 +28.9% 0.00% $186.8M $119.3M +24.7%
FY 2019 $136.5M -11.0% $136.5M $167.9M +44.9% $5.33 +31.3% 0.00% $244.7M $205.1M +71.9%
FY 2020 $119.4M -12.5% $119.4M $211.8M +26.2% $6.68 +25.3% 0.00% $312.9M $278.3M +35.7%
FY 2021 $127.6M +6.9% $127.6M $350.8M +65.6% $11.26 +68.6% 0.00% $303.1M $269.7M -3.1%
FY 2022 $102.8M -19.4% $102.8M $194.6M -44.5% $7.46 -33.7% 0.00% $210.7M $173.5M -35.7%
FY 2023 $1,222.7M +1,088.9% $1,020.8M $-206.5M -206.1% $-8.72 -216.9% 0.00% $153.0M $128.2M -26.1%
FY 2024 $1,316.4M +7.7% $1,063.8M $-139.2M +32.6% $-5.83 +33.1% 0.00% $156.2M $127.2M -0.8%
FY 2025 $1,768.8M +34.4% $1,474.9M $256.8M +284.4% $10.91 +287.1% 0.00% $153.2M $126.9M -0.2%
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Valuation

Market Price $97.92
Market Cap $2.10B
Enterprise Value $1.94B
P/E Ratio 8.97
P/B Ratio 1.77
FCF Yield 6.05%
Dividend Yield N/A
Shares Outstanding 21,440,400
%

Profitability & Margins

Gross Margin 83.38%
Operating Margin 35.43%
Net Margin 14.52%
Return on Equity (ROE) 21.67%
Return on Assets (ROA) 4.81%
Asset Turnover 0.33x
Revenue 3-Yr CAGR 158.13%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.000
Debt / Assets 0.000
Cash & Equivalents $156.78M
Total Debt N/A
Book Value / Share $55.28
💧

Cash Flow Efficiency

Operating Cash Flow $153.20M
Capital Expenditures (CapEx) $26.27M
Free Cash Flow $126.93M
OCF / Revenue 8.66%
FCF / Revenue 7.18%
FCF 3-Yr CAGR -9.89%
🏷️

Per Share Metrics

EPS (Diluted) $10.91
EPS (Basic) $11.05
Dividends / Share N/A
Book Value / Share $55.28
EPS YoY Growth 287.14%
🏛️

Balance Sheet (FY 2025)

Total Assets $5.34B
Total Liabilities $4.36B
Stockholders' Equity $1.19B
Current Assets N/A
Current Liabilities N/A