FY2025 · ended Dec 31, 2025 · Revenue $88.39M, +4.3% YoY · Filed Feb 25, 2026
Encore Capital Group, Inc. (ECPG) files with the SEC under industry code 6153, Short-Term Business Credit Institutions. In fiscal 2025, which ended Dec 31, 2025, it reported revenue of $88.4 million and net income of $256.8 million. Free cash flow was $126.9 million. As of Sep 30, 2026 it held $158.4 million in cash and investments and $4.2 billion in total debt.
Revenue (TTM)
$77.71M
-11.2% vs year-ago TTM
Net income (TTM)
$350.91M
+877.6% vs year-ago TTM
Operating cash flow (TTM)
$176.44M
+10.3% vs year-ago TTM
Free cash flow (TTM)
$151.46M
+14.7% vs year-ago TTM
EPS (TTM)
$15.57
+909.8% vs year-ago TTM
Dividend per share
None
Shares outstanding
21.41M
-9.6% vs prior year
Net cash
$-4.08B
as of Sep 30, 2026
Operating margin
997.2%
FY 2026
Company profile
- Industry
- Short-Term Business Credit Institutions (SIC 6153)
- Listed as
- ECPG (Nasdaq)
- Fiscal year ends
- December 31
- Incorporated in
- DE
- Headquarters
- San Diego, CA
- SEC filer status
- Large accelerated filer
- SEC CIK
- 1084961
- Former names
- MCM CAPITAL GROUP INC (until Mar 11, 2002)
Other Short-Term Business Credit Institutions companies
- Jefferson Capital, Inc. / DE JCAP
- Pra Group Inc PRAA
- Stewards, Inc. SWRD
- Plumas Bancorp PLBC
- Totaligent, Inc. TGNT
- OLD MARKET CAPITAL Corp OMCC
Key figures
Fiscal-year totals from the annual reports. Balance sheet lines are as of each year end.
| Line | FY 2025 Dec 31, 2025 |
FY 2024 Dec 31, 2024 |
FY 2023 Dec 31, 2023 |
FY 2022 Dec 31, 2022 |
FY 2021 Dec 31, 2021 |
|---|---|---|---|---|---|
| Revenue | $88.4M | $84.8M | $83.1M | $94.9M | $120.8M |
| Operating income | $626.6M | $157.3M | $16.5M | $462.2M | $633.3M |
| Net income | $256.8M | -$139.2M | -$206.5M | $194.6M | $350.8M |
| Diluted EPS | $10.91 | -$5.83 | -$8.72 | $7.46 | $11.26 |
| Operating cash flow | $153.2M | $156.2M | $153.0M | $210.7M | $303.1M |
| Free cash flow | $126.9M | $127.2M | $128.2M | $173.5M | $269.7M |
| Total assets | $5.3B | $4.8B | $4.6B | $4.5B | $4.6B |
| Total liabilities | $4.4B | $4.0B | $3.7B | $3.3B | $3.4B |
| Stockholders' equity | $976.8M | $767.3M | $936.5M | $1.2B | $1.2B |
| Cash and investments | $156.8M | $199.9M | $158.4M | $143.9M | $189.6M |
| Total debt | $4.1B | $3.7B | $3.4B | $3.0B | $3.1B |
Recent SEC filings
| Form | Description | Filed | Period |
|---|---|---|---|
| 10-Q | Quarterly report | Nov 4, 2026 | Sep 30, 2026 |
| 8-K |
Current report
Results of operations
|
Nov 4, 2026 | Nov 4, 2026 |
| 8-K |
Current report
Officer or director change
|
Aug 19, 2026 | Aug 19, 2026 |
| 10-Q | Quarterly report | Aug 5, 2026 | Jun 30, 2026 |
| 8-K |
Current report
Results of operations
|
Aug 5, 2026 | Aug 5, 2026 |
| 8-K |
Current report
Regulation FD disclosure, Other events
|
Jul 22, 2026 | Jul 22, 2026 |
All 1002 Encore Capital Group, Inc. SEC filings
Source: SEC EDGAR filings. This is company-reported data, not investment advice.