ECPGEncore Capital Group, Inc.

$2B

Q2 2019 Earnings

Financial Services Financial - Mortgages

Income Statement

Revenue

$347M-0.8% YoY

Gross Profit

$186M53.5% margin

Operating Income

$114M32.8% margin

Net Income

$37M10.6% margin

EPS (Diluted)

$1.17

QoQ Revenue Growth

-0.1%

Cash Flow

Operating Cash Flow

$98M

Free Cash Flow

$91M

Stock-Based Comp.

$4M

Balance Sheet

Total Assets

$4.8B

Total Liabilities

$3.9B

Stockholders' Equity

$900M

Cash & Equivalents

$169M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$347M	$350M	-0.8%
Gross Profit	$186M	$195M	-5.0%
Operating Income	$114M	$103M	+10.0%
Net Income	$37M	$26M	+39.4%

Geographic Segments

UNITED STATES

$199M60%

Europe

$131M40%

ECPG Q2 2019 Earnings — Encore Capital Group, Inc. Revenue & Financial Results | Market Cap Arena