ECPGEncore Capital Group, Inc.

$2B

Q2 2018 Earnings

Financial Services Financial - Mortgages

Income Statement

Revenue

$350M+20.2% YoY

Gross Profit

$195M55.9% margin

Operating Income

$103M29.6% margin

Net Income

$26M7.5% margin

EPS (Diluted)

$1.00

QoQ Revenue Growth

+7.0%

Cash Flow

Operating Cash Flow

$97M

Free Cash Flow

$83M

Stock-Based Comp.

$3M

Balance Sheet

Total Assets

$4.6B

Total Liabilities

$3.9B

Stockholders' Equity

$625M

Cash & Equivalents

$182M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$350M	$291M	+20.2%
Gross Profit	$195M	$150M	+30.1%
Operating Income	$103M	$81M	+28.3%
Net Income	$26M	$20M	+29.8%

Geographic Segments

UNITED STATES

$180M55%

Europe

$144M45%

ECPG Q2 2018 Earnings — Encore Capital Group, Inc. Revenue & Financial Results | Market Cap Arena