ECPG - ENCORE CAPITAL GROUP INC

📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	34.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+473%)	7.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+28%)	-12.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-309%)	-13.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-323%)	7.5% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+26%)	6.8% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+13%)	6.5% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+8%)	15.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+154%)	11.3% Good → Good Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+89%)	-8.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-249%)	5.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-11%)	38.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+545%)	38.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+548%)	24.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+301%)	17.7% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+195%)	20.5% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+242%)	—	—
EPS Growth YoY (%)	N/M	33.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	N/M	-30.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	72.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	25.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	31.5% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	27.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	7.4% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	70.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-56.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	31.5% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	8.9% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	—	—	44.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	N/M	32.6% Excellent ↑ Excellent Improving Year-over-year change in net income	N/M	-44.5% Weak ↓ Weak Declining Year-over-year change in net income	65.6% Excellent ↑ Excellent Improving Year-over-year change in net income	26.2% Excellent ↓ Excellent Declining Year-over-year change in net income	44.9% Excellent ↑ Excellent Improving Year-over-year change in net income	39.2% Excellent ↑ Excellent Improving Year-over-year change in net income	8.7% Fair ↓ Fair Declining Year-over-year change in net income	69.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-56.5% Weak ↓ Weak Declining Year-over-year change in net income	37.8% Excellent ↑ Excellent Improving Year-over-year change in net income	8.4% Fair ↓ Fair Declining Year-over-year change in net income	14.0% Fair ↓ Fair Declining Year-over-year change in net income	24.3% Good Good Year-over-year change in net income	48.4% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%)	2.6% Caution ↑ Caution Improving Year-over-year change in free cash flow	-1.6% Weak ↑ Weak Improving Year-over-year change in free cash flow	-24.6% Weak ↓ Weak Declining Year-over-year change in free cash flow	-19.7% Weak ↓ Weak Declining Year-over-year change in free cash flow	1.1% Caution ↓ Caution Declining Year-over-year change in free cash flow	34.7% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	56.0% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	14.4% Fair ↑ Fair Improving Year-over-year change in free cash flow	-4.0% Weak ↓ Weak Declining Year-over-year change in free cash flow	15.0% Good ↑ Good Improving Year-over-year change in free cash flow	-2.3% Weak ↓ Weak Declining Year-over-year change in free cash flow	37.3% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-33.0% Weak ↓ Weak Declining Year-over-year change in free cash flow	15.4% Good ↑ Good Improving Year-over-year change in free cash flow	5.6% Fair Fair Year-over-year change in free cash flow	-1.7% Weak Weak Year-over-year change in free cash flow	—	—
Revenue CAGR 3Y (%)	8.1% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	-6.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-6.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-0.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	6.9% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	9.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	11.0% Good ↑ Good Improving Compound annual revenue growth over 3 years	5.3% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	2.2% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	10.0% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	26.6% Excellent → Excellent Stable Compound annual revenue growth over 3 years	33.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	26.6% Excellent Excellent Compound annual revenue growth over 3 years	20.7% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	3.3% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	-1.3% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-1.5% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	4.1% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	9.4% Good ↑ Good Improving Compound annual revenue growth over 5 years	5.8% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.6% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	11.3% Good ↓ Good Declining Compound annual revenue growth over 5 years	15.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	18.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	24.3% Excellent Excellent Compound annual revenue growth over 5 years	27.7% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	11.1% Good Good Compound annual EPS growth over 3 years	—	—	14.4% Good ↓ Good Declining Compound annual EPS growth over 3 years	41.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	28.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	21.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	32.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-7.2% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-0.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-14.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	—	14.2% Good Good Compound annual EPS growth over 3 years	25.4% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	35.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	12.0% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	1.4% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-95%)	33.1% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	39.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+57%)	35.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	31.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	30.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	28.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	23.5% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	25.0% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	29.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	25.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	27.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	26.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	25.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	21.1% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	—
Effective Tax Rate (%) (%)	23.6% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-44.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-14.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	37.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.5% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.9% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.1% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.9% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	39.7% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	66.6% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.7% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—
Profit Margin (%) (%)	14.5% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	-10.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-148%)	-16.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-177%)	13.9% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-37%)	21.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	14.1% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	11.9% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	8.8% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-60%)	7.3% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-67%)	7.4% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	4.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-82%)	9.7% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	9.7% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	12.5% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	13.6% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	12.9% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	10.4% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	—
FCF Margin (%) (%)	7.2% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	9.7% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	10.5% Fair ↓ Fair Declining Free cash flow as a percentage of revenue Optimal: > 10%	12.4% Fair ↓ Fair Declining Free cash flow as a percentage of revenue Optimal: > 10%	16.7% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	18.5% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	14.6% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	9.0% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	8.4% Caution → Caution Stable Free cash flow as a percentage of revenue Optimal: > 10%	9.6% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	7.6% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	8.2% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	7.9% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	16.6% Good ↓ Good Declining Free cash flow as a percentage of revenue Optimal: > 10%	17.6% Good ↓ Good Declining Free cash flow as a percentage of revenue Optimal: > 10%	19.1% Good Good Free cash flow as a percentage of revenue Optimal: > 10%	22.7% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	0.49x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-0.91x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.62x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.89x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	0.77x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	1.31x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	1.22x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	1.03x Fair ↓ Fair Declining Free cash flow relative to reported net income Optimal: > 1x	1.15x Fair ↓ Fair Declining Free cash flow relative to reported net income Optimal: > 1x	1.29x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	1.90x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	0.85x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	0.81x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	1.33x Good ↓ Good Declining Free cash flow relative to reported net income Optimal: > 1x	1.30x Good ↓ Good Declining Free cash flow relative to reported net income Optimal: > 1x	1.48x Good Good Free cash flow relative to reported net income Optimal: > 1x	2.18x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%)	—	—	—	—	43.0% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	32.9% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	36.6% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	34.7% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	33.7% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	14.4% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	34.2% Excellent → Excellent Stable Return earned on debt + equity capital invested Optimal: > 10%	40.5% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	27.4% Excellent → Excellent Stable Return earned on debt + equity capital invested Optimal: > 10%	30.2% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	25.5% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	25.3% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	21.7% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	11.7% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	3.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	10.3% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	13.7% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	11.0% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	9.1% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	8.8% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	7.2% Fair → Fair Stable Operating profit relative to total assets Optimal: > 10%	6.6% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	6.8% Caution ↓ Caution Declining Operating profit relative to total assets Optimal: > 10%	8.5% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	7.4% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	13.2% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	14.8% Good Good Operating profit relative to total assets Optimal: > 10%	13.2% Good Good Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	—	—	—	—	29.6% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+147%)	17.4% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+45%)	16.4% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+37%)	14.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+18%)	14.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+19%)	13.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+14%)	7.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	16.6% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+39%)	13.2% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+10%)	17.1% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+43%)	16.4% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+37%)	16.2% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+35%)	13.6% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+13%)	—

⚖️ Is the balance sheet risky? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Interest Coverage (x)	2.41x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	0.75x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	0.08x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	3.01x Fair ↑ Fair Improving Operating income divided by interest expense Optimal: > 5x	3.73x Fair ↑ Fair Improving Operating income divided by interest expense Optimal: > 5x	2.55x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	1.97x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	1.69x Caution ↑ Caution Improving Operating income divided by interest expense Optimal: > 5x	1.59x Caution → Caution Stable Operating income divided by interest expense Optimal: > 5x	1.22x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	1.51x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	1.91x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	2.71x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	6.07x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	—	5.01x Good Good Operating income divided by interest expense Optimal: > 5x	4.12x Fair Fair Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$-156.78M	$-199.87M	$-158.36M	$-143.91M	$-189.65M	$-189.18M	$-192.34M	$-157.42M	$-212.14M	$-149.76M	$-123.99M	$-124.16M	$-126.21M	$-17.51M	$-8.05M	$-10.90M	$-8.39M	$-10.34M

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$76.13	$55.14	$51.66	$57.92	$53.59	$47.77	$45.04	$46.64	$44.12	$40.03	$43.93	$41.50	$31.36	$22.40	$18.26	$15.96	$13.63	—
Basic EPS, GAAP (USD)	$11.05	$-5.83	$-8.72	$8.06	$11.64	$6.74	$5.38	$4.09	$3.20	$2.98	$1.75	$4.01	$3.05	$2.80	—	$2.05	$1.42	—
Free Cash Flow per Share (USD)	$5.46	$5.33	$5.42	$7.18	$8.95	$8.85	$6.57	$4.21	$3.68	$3.84	$3.34	$3.42	$2.49	$3.71	$3.22	$3.04	$3.10	—
Book Value per Share (USD)	—	—	—	—	$48.30	$38.85	$32.87	$26.49	$22.55	$21.85	$23.59	$24.15	$22.47	$17.50	$15.15	$12.61	$10.47	—
Tangible Book Value per Share (USD)	—	—	—	—	$11.71	$8.47	$2.79	$-3.58	$-16.39	$-9.92	$-13.61	$-11.49	$1.73	$15.09	$14.48	$11.91	$10.47	—
Basic Weighted Avg Shares (shares)	23.23M	23.87M	23.67M	24.14M	30.13M	31.43M	31.21M	28.31M	25.97M	25.71M	25.72M	25.85M	24.66M	24.86M	24.57M	23.90M	23.21M	—

🏦 How resilient is the balance sheet? 1 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Total Equity (USD)	—	—	—	—	$1.19B	$1.22B	$1.02B	$818.01M	$581.86M	$559.30M	$596.45M	$623.00M	$571.90M	$405.82M	$371.54M	$302.70M	$243.09M	$203.43M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$1.77B	$1.32B	$1.22B	$1.40B	$1.61B	$1.50B	$1.41B	$1.32B	$1.15B	$1.03B	$1.13B	$1.07B	$773.36M	$556.78M	$448.71M	$381.31M	$316.42M	—
Depreciation Expense (USD)	$28.76M	$32.43M	$41.74M	$46.42M	$50.08M	$42.78M	$41.03M	$41.23M	$39.98M	$34.87M	$33.16M	$27.95M	$13.55M	$5.84M	$4.66M	—	—	—
Net Income, GAAP (USD)	$256.83M	$-139.24M	$-206.49M	$194.56M	$350.78M	$211.85M	$167.87M	$115.89M	$83.23M	$76.57M	$45.13M	$103.73M	$75.30M	$69.48M	$60.96M	$49.05M	$33.05M	—
Operating Cash Flow (USD)	$153.20M	$156.17M	$152.99M	$210.68M	$303.05M	$312.86M	$244.73M	$186.79M	$123.82M	$130.33M	$114.42M	$111.54M	$74.78M	$98.52M	$84.58M	$75.47M	$76.52M	—

ENCORE CAPITAL GROUP INC

Analytical Summary

18-Year Financial Trajectory

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