Q3 FY2026 · ended Sep 30, 2026 · Revenue $17.47M, -21.2% YoY · Filed Nov 4, 2026
Encore Capital Group, Inc. (ECPG) files with the SEC under industry code 6153, Short-Term Business Credit Institutions. In Q3 of fiscal 2026, the quarter ended Sep 30, 2026, it reported revenue of $17.5 million and net income of $124.0 million. Free cash flow was $101.9 million. As of Sep 30, 2026 it held $158.4 million in cash and investments and $4.2 billion in total debt.
Revenue
$17.47M
-21.2% vs year-ago quarter
Net income
$124.01M
+66.1% vs year-ago quarter
Operating cash flow
$106.68M
+30.8% vs year-ago quarter
Free cash flow
$101.88M
+34.8% vs year-ago quarter
EPS
$5.57
+75.7% vs year-ago quarter
Dividend per share
None
Shares outstanding
20.87M
-6.4% vs year-ago quarter
Net cash
$-4.08B
Q3 FY2026
Operating margin
997.2%
TTM
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; switch to Annual for the full-year view. Balance sheet lines are as of each year end.
| Line | Q3 FY2026 Sep 30, 2026 |
Q2 FY2026 Jun 30, 2026 |
Q1 FY2026 Mar 31, 2026 |
Q4 FY2025 Dec 31, 2025 |
Q3 FY2025 Sep 30, 2025 |
|---|---|---|---|---|---|
| Revenue | $17.5M | $18.2M | $20.6M | $21.4M | $22.2M |
| Operating income | $230.6M | $186.9M | $184.0M | $173.4M | $173.2M |
| Net income | $124.0M | $64.0M | $86.2M | $76.7M | $74.7M |
| Diluted EPS | $5.57 | $2.81 | $3.86 | $3.37 | $3.17 |
| Operating cash flow | $106.7M | -$29.4M | $82.3M | $16.8M | $81.6M |
| Free cash flow | $101.9M | -$37.8M | $77.5M | $9.9M | $75.6M |
| Total assets | $5.7B | $5.6B | $5.5B | $5.3B | $5.3B |
| Total liabilities | $4.6B | $4.5B | $4.4B | $4.4B | $4.3B |
| Stockholders' equity | $1.1B | $1.1B | $1.0B | $976.8M | $952.9M |
| Cash and investments | $158.4M | $182.9M | $227.2M | $156.8M | $172.5M |
| Total debt | $4.2B | $4.2B | $4.0B | $4.1B | $3.9B |
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.