ECPG Q3 2025 Earnings — Encore Capital Group, Inc. Revenue & Financial Results | Market Cap Arena

ECPGEncore Capital Group, Inc.

$2B

Q3 2025 Earnings

Financial Services Financial - Mortgages

Income Statement

Revenue

$460M+25.4% YoY

Gross Profit

$257M55.7% margin

Operating Income

$173M37.6% margin

Net Income

$75M16.2% margin

EPS (Diluted)

$3.17

QoQ Revenue Growth

+4.1%

Cash Flow

Operating Cash Flow

$82M

Free Cash Flow

$76M

Stock-Based Comp.

$4M

Balance Sheet

Total Assets

$5.3B

Total Liabilities

$4.3B

Stockholders' Equity

$953M

Cash & Equivalents

$172M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$460M	$367M	+25.4%
Gross Profit	$257M	$228M	+12.7%
Operating Income	$173M	$106M	+63.2%
Net Income	$75M	$31M	+143.6%

Revenue Segments

Operating Segments

$460M100%

Geographic Segments

UNITED STATES

$335M68%

Europe

$124M25%

Other European Countries

$34M7%

Other Geographies

$2M0%