ECPGEncore Capital Group, Inc.

$2B

Q4 2022 Earnings

Financial Services Financial - Mortgages

Income Statement

Revenue

$234M-34.5% YoY

Gross Profit

$82M34.9% margin

Operating Income

-$2M-1.0% margin

Net Income

-$73M-31.2% margin

EPS (Diluted)

$-3.11

QoQ Revenue Growth

-24.0%

Cash Flow

Operating Cash Flow

$56M

Free Cash Flow

$40M

Stock-Based Comp.

$3M

Balance Sheet

Total Assets

$4.5B

Total Liabilities

$3.3B

Stockholders' Equity

$1.2B

Cash & Equivalents

$144M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$234M	$357M	-34.5%
Gross Profit	$82M	$196M	-58.4%
Operating Income	-$2M	$124M	-101.9%
Net Income	-$73M	$76M	-196.1%

Geographic Segments

UNITED STATES

$170M65%

Europe

$64M25%

Other European Countries

$28M11%

ECPG Q4 2022 Earnings — Encore Capital Group, Inc. Revenue & Financial Results | Market Cap Arena