ECPG (Encore Capital Group, Inc.) Stock Financials & Earnings | Market Cap Arena

ECPG (Encore Capital Group, Inc.) Stock Financials & Earnings | Market Cap Arena

ECPGEncore Capital Group, Inc.

Mkt Cap$2B

Financial Services·Financial - Mortgages·🇺🇸 United States·NASDAQ

Revenue (TTM)$1.8B

Net Income (TTM)$257M

EPS (TTM)$10.96

Free Cash Flow (TTM)$127M

Gross Margin74.1%

Op. Margin35.4%

Net Margin14.5%

FCF Margin7.2%

P/S Ratio (TTM)0.9x

P/E Ratio (TTM)5.9x

YoY Rev Growth+34.4%

Employees—

Earnings Reports

Revenue & Profitability

Quarter	Revenue	Gross Profit	Op. Income
Q1 23	$313M	$147M	$70M
Q2 23	$323M	$160M	$88M
Q3 23	$310M	$150M	$76M
Q4 23	$277M	$115M	-$217M
Q1 24	$328M	$158M	$84M
Q2 24	$355M	$177M	$102M
Q3 24	$367M	$228M	$106M
Q4 24	$266M	$84M	-$134M
Q1 25	$393M	$287M	$129M
Q2 25	$442M	$324M	$151M
Q3 25	$460M	$257M	$173M
Q4 25	$474M	$443M	$173M

Revenue Breakdown

Valuation

Quarter	P/S	P/E
Q1 23	1.2x	40.4x
Q2 23	1.3x	457.0x
Q3 23	1.3x	—
Q4 23	1.2x	—
Q1 24	1.2x	—
Q2 24	1.2x	—
Q3 24	1.1x	—
Q4 24	1.1x	—
Q1 25	1.1x	—
Q2 25	1.0x	—
Q3 25	1.0x	—
Q4 25	0.9x	5.9x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 23	$36M	$31M
Q2 23	$27M	$22M
Q3 23	$54M	$46M
Q4 23	$37M	$2M
Q1 24	$51M	$44M
Q2 24	$36M	$28M
Q3 24	$46M	$40M
Q4 24	$24M	$15M
Q1 25	$45M	$38M
Q2 25	$10M	$3M
Q3 25	$82M	$76M
Q4 25	$17M	$10M

Capital Expenditures

CapEx

Quarter	CapEx
Q1 23	$5M
Q2 23	$5M
Q3 23	$7M
Q4 23	$35M
Q1 24	$7M
Q2 24	$7M
Q3 24	$6M
Q4 24	$9M
Q1 25	$7M
Q2 25	$6M
Q3 25	$6M
Q4 25	$7M

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 23	-37.4%	+3.3%
Q2 23	-9.5%	-1.3%
Q3 23	+0.6%	+3.0%
Q4 23	+18.5%	+109.3%
Q1 24	+5.0%	+0.9%
Q2 24	+10.0%	+7.9%
Q3 24	+18.6%	+11.5%
Q4 24	-4.2%	-19.2%
Q1 25	+19.6%	+7.6%
Q2 25	+24.4%	+15.0%
Q3 25	+25.4%	+10.0%
Q4 25	+78.3%	-24.9%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 23	$4M	1.3%
Q2 23	$4M	1.2%
Q3 23	$3M	1.0%
Q4 23	$3M	1.0%
Q1 24	$3M	1.0%
Q2 24	$5M	1.3%
Q3 24	$4M	1.0%
Q4 24	$2M	0.9%
Q1 25	$3M	0.9%
Q2 25	$5M	1.2%
Q3 25	$4M	0.9%
Q4 25	$5M	1.1%

OpEx Breakdown

Quarter	G&A
Q1 23	$38M
Q2 23	$35M
Q3 23	$36M
Q4 23	$37M
Q1 24	$36M
Q2 24	$37M
Q3 24	$39M
Q4 24	$52M
Q1 25	$41M
Q2 25	$41M
Q3 25	$39M
Q4 25	$44M

Revenue Segments

Quarter	Operating Segments
Q1 25	$393M
Q2 25	$442M
Q3 25	$460M

Revenue by Geography

Quarter

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 23	$159M	$0	$159M
Q2 23	$185M	$0	$185M
Q3 23	$145M	$0	$145M
Q4 23	$158M	$0	$158M
Q1 24	$173M	$0	$173M
Q2 24	$251M	$0	$251M
Q3 24	$247M	$0	$247M
Q4 24	$200M	$0	$200M
Q1 25	$187M	$0	$187M
Q2 25	$173M	$0	$173M
Q3 25	$172M	$0	$172M
Q4 25	$157M	$0	$157M

Shares Outstanding

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change
Q1 23	25M	+5.9%
Q2 23	24M	-2.7%
Q3 23	24M	+0.4%
Q4 23	24M	-2.6%
Q1 24	24M	+3.1%
Q2 24	24M	-1.5%
Q3 24	24M	+1.3%
Q4 24	24M	-2.2%
Q1 25	24M	+1.7%
Q2 25	24M	-2.8%
Q3 25	24M	-0.2%
Q4 25	23M	-3.2%

Revenue Per Employee

Revenue / Employee

Year	Revenue/Employee	Employees
FY 14	$193K	5K
FY 15	$169K	7K
FY 16	$154K	7K
FY 17	$145K	8K
FY 18	$172K	8K
FY 19	$191K	7K
FY 20	$194K	8K
FY 21	$244K	7K
FY 22	$203K	7K
FY 23	$165K	7K
FY 24	$179K	7K
FY 25	$240K	7K