ECPG FY 2025 Earnings Report — Encore Capital Group, Inc. Revenue & Financial Results | Market Cap Arena

Encore Capital Group, Inc.ECPG

FY 2025 Earnings

Reported February 25, 2026

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2025	Prior Q	FY 2024	QoQ Change	YoY Change
Revenue	$1.8B	—	$1.3B	—	33.9%
Op. Income	$624M	—	$157M	—	296.3%
Gross Margin	69.0%	—	45.9%	—	23.1pp
Net Margin	14.6%	—	-10.6%	—	25.1pp
EPS (Diluted)	$10.91	—	$-5.83	—	287.1%
Free Cash Flow	$127M	—	$127M	—	-0.2%

Revenue Flow

Item	Amount
REVENUE	$1.8B
Cost of Revenue	$547M
GROSS PROFIT	$1.2B
R&D Expenses	$0
Selling & Marketing	$0
General & Administrative	$166M
SG&A Expenses	$166M
Other Expenses	$426M
Operating Expenses	$592M
Cost & Expenses	$1.1B
OPERATING INCOME	$624M
Interest Income	$0
Interest Expense	$288M
Other Income/Expenses	-$287M
INCOME BEFORE TAX	$336M
Income Tax Expense	$79M
Net Income from Continuing Ops	$257M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$257M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$257M
D&A	$29M
EBIT	$624M
EBITDA	$653M
EPS	$11
EPS Diluted	$11

Income Statement

Item	Amount
REVENUE	$1.8B
Cost of Revenue	$547M
GROSS PROFIT	$1.2B
R&D Expenses	$0
Selling & Marketing	$0
General & Administrative	$166M
SG&A Expenses	$166M
Other Expenses	$426M
Operating Expenses	$592M
Cost & Expenses	$1.1B
OPERATING INCOME	$624M
Interest Income	$0
Interest Expense	$288M
Other Income/Expenses	-$287M
INCOME BEFORE TAX	$336M
Income Tax Expense	$79M
Net Income from Continuing Ops	$257M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$257M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$257M
D&A	$29M
EBIT	$624M
EBITDA	$653M
EPS	$11
EPS Diluted	$11

Cash Flow Statement

Item	Amount
Net Income	$257M
Depreciation & Amortization	$29M
Stock-Based Compensation	$18M
Deferred Income Tax	$30M
Other Non-Cash Items	-$187M
Change in Working Capital	$6M
OPERATING CASH FLOW	$153M
Capital Expenditure	-$26M
Acquisitions (Net)	$0
Purchases of Investments	$0
Sales/Maturities of Investments	$0
Other Investing Activities	-$216M
NET CASH FROM INVESTING	-$243M
Net Debt Issuance	$139M
Common Stock Repurchased	-$90M
Common Dividends Paid	$0
Other Financing Activities	-$4M
NET CASH FROM FINANCING	$45M
FREE CASH FLOW	$127M
Net Change in Cash	-$43M

Balance Sheet

Item	Amount
Cash & Equivalents	$157M
Short-Term Investments	$0
Net Receivables	$34M
Inventory	$0
Other Current Assets	$0
TOTAL CURRENT ASSETS	$191M
PP&E (Net)	$139M
Goodwill	$0
Intangible Assets	$536M
Long-Term Investments	$4.4B
Tax Assets	$6M
Other Non-Current Assets	$78M
TOTAL NON-CURRENT ASSETS	$5.1B
TOTAL ASSETS	$5.3B
Account Payables	$0
Short-Term Debt	$321.0K
Deferred Revenue	$0
Other Current Liabilities	$0
TOTAL CURRENT LIABILITIES	$321.0K
Long-Term Debt	$4.1B
Deferred Revenue NC	$0
Deferred Tax Liabilities	$0
Other Non-Current Liabilities	$231M
TOTAL NON-CURRENT LIABILITIES	$4.4B
TOTAL LIABILITIES	$4.4B
Common Stock	$217.0K
Additional Paid-In Capital	$0
Retained Earnings	$1.1B
Treasury Stock	$0
Accum. Other Comp. Income	-$128M
Other Equity	$0
TOTAL STOCKHOLDERS' EQUITY	$977M
Minority Interest	$0
TOTAL EQUITY	$977M
TOTAL LIABILITIES & EQUITY	$5.3B
Total Debt	$4.1B
Net Debt	$4.0B