← ENCORE CAPITAL GROUP INC ECPG
Market Price
$103.70
Market Cap
$2.17B
P/E Ratio
9.51
Revenue (FY 2025)
↑0.7% YoY
$104.24M
3-Yr CAGR: 0.5%
Net Income
↑284.4% YoY
$256.83M
Net Margin: 246.4%
Free Cash Flow
↓-0.2% YoY
$126.93M
FCF Yield: 5.85%
EPS (Diluted)
↑287.1% YoY
$10.91
Basic: $11.05
Return on Equity
Efficiency
21.7%
ROA: 4.8%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (ECPG)
All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
- FY 2019: Revenue YoY (-11.0%) is identical to Gross Profit YoY (-11.0%). Verify the underlying Revenue and Gross Profit values for FY 2019 and FY 2018.
- FY 2020: Revenue YoY (-12.5%) is identical to Gross Profit YoY (-12.5%). Verify the underlying Revenue and Gross Profit values for FY 2020 and FY 2019.
- FY 2021: Revenue YoY (+6.9%) is identical to Gross Profit YoY (+6.9%). Verify the underlying Revenue and Gross Profit values for FY 2021 and FY 2020.
- FY 2022: Revenue YoY (-19.4%) is identical to Gross Profit YoY (-19.4%). Verify the underlying Revenue and Gross Profit values for FY 2022 and FY 2021.
- FY 2023: Revenue YoY (-2.0%) is identical to Gross Profit YoY (-2.0%). Verify the underlying Revenue and Gross Profit values for FY 2023 and FY 2022.
- FY 2024: Revenue YoY (+2.7%) is identical to Gross Profit YoY (+2.7%). Verify the underlying Revenue and Gross Profit values for FY 2024 and FY 2023.
- FY 2025: Revenue YoY (+0.7%) is identical to Gross Profit YoY (+0.7%). Verify the underlying Revenue and Gross Profit values for FY 2025 and FY 2024.
| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $1,029.3M | — | $830.9M | $76.6M | — | $2.96 | — | $130.3M | $98.7M | — |
| FY 2017 | $1,187.0M | +15.3% | $982.9M | $83.2M | +8.7% | $3.15 | +6.4% | $123.8M | $95.7M | -3.0% |
| FY 2018 | $153.4M | -87.1% | $153.4M | $115.9M | +39.2% | $4.06 | +28.9% | $186.8M | $119.3M | +24.7% |
| FY 2019 | $136.5M | -11.0% | $136.5M | $167.9M | +44.9% | $5.33 | +31.3% | $244.7M | $205.1M | +71.9% |
| FY 2020 | $119.4M | -12.5% | $119.4M | $211.8M | +26.2% | $6.68 | +25.3% | $312.9M | $278.3M | +35.7% |
| FY 2021 | $127.6M | +6.9% | $127.6M | $350.8M | +65.6% | $11.26 | +68.6% | $303.1M | $269.7M | -3.1% |
| FY 2022 | $102.8M | -19.4% | $102.8M | $194.6M | -44.5% | $7.46 | -33.7% | $210.7M | $173.5M | -35.7% |
| FY 2023 | $100.8M | -2.0% | $100.8M | $-206.5M | -206.1% | $-8.72 | -216.9% | $153.0M | $128.2M | -26.1% |
| FY 2024 | $103.5M | +2.7% | $103.5M | $-139.2M | +32.6% | $-5.83 | +33.1% | $156.2M | $127.2M | -0.8% |
| FY 2025 | $104.2M | +0.7% | $104.2M | $256.8M | +284.4% | $10.91 | +287.1% | $153.2M | $126.9M | -0.2% |
Valuation
Market Price
$103.70
Market Cap
$2.17B
Enterprise Value
N/A
P/E Ratio
9.51
P/B Ratio
1.88
FCF Yield
5.85%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
26.18%
Operating Margin
601.18%
Net Margin
246.40%
Return on Equity (ROE)
21.67%
Return on Assets (ROA)
4.81%
Asset Turnover
0.02x
Revenue 3-Yr CAGR
0.45%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
$156.78M
Total Debt
N/A
Book Value / Share
$55.28
Cash Flow Efficiency
Operating Cash Flow
$153.20M
Capital Expenditures (CapEx)
$26.27M
Free Cash Flow
$126.93M
OCF / Revenue
146.97%
FCF / Revenue
121.77%
FCF 3-Yr CAGR
-9.89%
Per Share Metrics
EPS (Diluted)
$10.91
EPS (Basic)
$11.05
Dividends / Share
N/A
Book Value / Share
$55.28
EPS YoY Growth
287.14%
Balance Sheet (FY 2025)
Total Assets
$5.34B
Total Liabilities
$31.82M
Stockholders' Equity
$1.19B
Current Assets
N/A
Current Liabilities
N/A