ECPG Q4 2025 Earnings — Encore Capital Group, Inc. Revenue & Financial Results | Market Cap Arena

ECPGEncore Capital Group, Inc.

$2B

Q4 2025 Earnings

Financial Services Financial - Mortgages

Income Statement

Revenue

$474M+78.3% YoY

Gross Profit

$443M93.5% margin

Operating Income

$173M36.6% margin

Net Income

$77M16.2% margin

EPS (Diluted)

$3.37

QoQ Revenue Growth

+2.9%

Cash Flow

Operating Cash Flow

$17M

Free Cash Flow

$10M

Stock-Based Comp.

$5M

Balance Sheet

Total Assets

$5.3B

Total Liabilities

$4.4B

Stockholders' Equity

$977M

Cash & Equivalents

$157M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$474M	$266M	+78.3%
Gross Profit	$443M	$84M	+428.8%
Operating Income	$173M	-$134M	+229.2%
Net Income	$77M	-$225M	+134.0%

Geographic Segments

UNITED STATES

$351M69%

Europe

$122M24%

Other European Countries

$33M7%

Other Geographies

$158,0000%