# Encore Capital Group Inc: overview

ECPG · Nasdaq · CIK 1084961 · [Financials](/sectors/financials.md) · fiscal year ends Dec 31

Pages: [Overview](/companies/ecpg.md) · [Financials](/companies/ecpg/financials.md) · [Filings](/companies/ecpg/filings.md) · [Insiders](/companies/ecpg/insiders.md)

Latest reported revenue: [$18.2m](/filings/0001084961-26-000058.md) for Q2 FY2026, three months to 2026-06-30, from the 10-Q filed Aug 5, 2026 (XBRL us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax, accession 0001084961-26-000058).

## Last eight quarters

| Line item | Unit | Q3 FY2024 (2024-09-30) | Q4 FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q4 FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | [22.8](/filings/0001084961-25-000116.md) | [20.5 d](/filings/0001084961-26-000009.md) | [22.5](/filings/0001084961-26-000039.md) | [22.3](/filings/0001084961-26-000058.md) | [22.2](/filings/0001084961-25-000116.md) | [21.4 d](/filings/0001084961-26-000009.md) | [20.6](/filings/0001084961-26-000039.md) | [18.2](/filings/0001084961-26-000058.md) |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | [465.9%](/filings/0001084961-25-000116.md) | [(653.8%) d](/filings/0001084961-26-000009.md) | [573.7%](/filings/0001084961-26-000039.md) | [675.9%](/filings/0001084961-26-000058.md) | [781.0%](/filings/0001084961-25-000116.md) | [811.5% d](/filings/0001084961-26-000009.md) | [891.5%](/filings/0001084961-26-000039.md) | [1025.4%](/filings/0001084961-26-000058.md) |
| Net margin | % | [134.6%](/filings/0001084961-25-000116.md) | [(1097.7%) d](/filings/0001084961-26-000009.md) | [207.5%](/filings/0001084961-26-000039.md) | [263.3%](/filings/0001084961-26-000058.md) | [336.7%](/filings/0001084961-25-000116.md) | [358.8% d](/filings/0001084961-26-000009.md) | [417.9%](/filings/0001084961-26-000039.md) | [351.1%](/filings/0001084961-26-000058.md) |
| Diluted EPS | $ per share | [1.26](/filings/0001084961-25-000116.md) | not reported | [1.93](/filings/0001084961-26-000039.md) | [2.49](/filings/0001084961-26-000058.md) | [3.17](/filings/0001084961-25-000116.md) | not reported | [3.86](/filings/0001084961-26-000039.md) | [2.81](/filings/0001084961-26-000058.md) |
| Free cash flow | $m | [39.7 d](/filings/0001084961-25-000116.md) | [15.0 d](/filings/0001084961-26-000009.md) | [38.3](/filings/0001084961-26-000039.md) | [3.2 d](/filings/0001084961-26-000058.md) | [75.6 d](/filings/0001084961-25-000116.md) | [9.9 d](/filings/0001084961-26-000009.md) | [77.5](/filings/0001084961-26-000039.md) | [(37.8) d](/filings/0001084961-26-000058.md) |

- Revenue. XBRL Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax. Derived values: 12-month figure less the 9-month figure.
- Gross margin (gross profit / revenue). XBRL Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax. Derived values: 12-month figure less the 9-month figure.
- Operating margin (operating income / revenue). XBRL Operating income: us-gaap:OperatingIncomeLoss; Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax. Derived values: 12-month figure less the 9-month figure.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss; Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax. Derived values: 12-month figure less the 9-month figure.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment. Derived values: 9-month figure less the 6-month figure; 12-month figure less the 9-month figure; 6-month figure less the 3-month figure.

## Last five fiscal years

| Line item | Unit | FY2021 (2021-12-31) | FY2022 (2022-12-31) | FY2023 (2023-12-31) | FY2024 (2024-12-31) | FY2025 (2025-12-31) |
| --- | --- | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | [121](/filings/0001084961-24-000008.md) | [94.9](/filings/0001084961-25-000011.md) | [83.1](/filings/0001084961-26-000009.md) | [84.8](/filings/0001084961-26-000009.md) | [88.4](/filings/0001084961-26-000009.md) |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | [524.3%](/filings/0001084961-24-000008.md) | [486.9%](/filings/0001084961-25-000011.md) | [19.9%](/filings/0001084961-26-000009.md) | [185.6%](/filings/0001084961-26-000009.md) | [709.0%](/filings/0001084961-26-000009.md) |
| Net margin | % | [290.4%](/filings/0001084961-24-000008.md) | [205.0%](/filings/0001084961-25-000011.md) | [(248.4%)](/filings/0001084961-26-000009.md) | [(164.2%)](/filings/0001084961-26-000009.md) | [290.6%](/filings/0001084961-26-000009.md) |
| Diluted EPS | $ per share | [11.26](/filings/0001084961-24-000008.md) | [7.46](/filings/0001084961-25-000011.md) | [(8.72)](/filings/0001084961-26-000009.md) | [(5.83)](/filings/0001084961-26-000009.md) | [10.91](/filings/0001084961-26-000009.md) |
| Free cash flow | $m | [270](/filings/0001084961-24-000008.md) | [173](/filings/0001084961-25-000011.md) | [128](/filings/0001084961-26-000009.md) | [127](/filings/0001084961-26-000009.md) | [127](/filings/0001084961-26-000009.md) |

- Revenue. XBRL Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax.
- Gross margin (gross profit / revenue). XBRL Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax.
- Operating margin (operating income / revenue). XBRL Operating income: us-gaap:OperatingIncomeLoss; Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss; Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment.

Each value links to the filing it came from. d marks a derived value. A ratio is not reported when any input is missing.

## Insider purchases and sales

The last 20 open-market transactions on Form 4 (codes P and S). Reported price is as stated on the form, not a market price. [All insider transactions](/companies/ecpg/insiders.md)

None in coverage.

## Funds that report holding it

From each manager’s latest Form 13F, largest reported value first. Reported value is as filed: filing data, not a price. [All funds](/funds.md)

| Fund | Quarter ended | Reported value | Shares | Put or call | Change on the quarter before |
| --- | --- | ---: | ---: | --- | --- |
| [BlackRock, Inc.](/funds/2012383.md) | 2026-06-30 | $343.2m | 3,679,162 |  | Reduced −214,313 |
| [UBS Group AG](/funds/1610520.md) | 2026-06-30 | $162.8m | 1,745,280 | Call | Unchanged |
| [VANGUARD PORTFOLIO MANAGEMENT LLC](/funds/2100121.md) | 2026-06-30 | $122.4m | 1,311,523 |  | Added +68,841 |
| [DIMENSIONAL FUND ADVISORS LP](/funds/354204.md) | 2026-06-30 | $97.7m | 1,047,576 |  | Added +40,553 |
| [VANGUARD CAPITAL MANAGEMENT LLC](/funds/2100119.md) | 2026-06-30 | $85.0m | 911,277 |  | Reduced −24,781 |
| [STATE STREET CORP](/funds/93751.md) | 2026-06-30 | $79.9m | 856,207 |  | Added +6,748 |
| [GEODE CAPITAL MANAGEMENT, LLC](/funds/1214717.md) | 2026-06-30 | $59.7m | 639,836 |  | Added +17,252 |
| [AMERICAN CENTURY COMPANIES INC](/funds/748054.md) | 2026-06-30 | $58.9m | 631,819 |  | Added +466,987 |
| [ARROWSTREET CAPITAL, LIMITED PARTNERSHIP](/funds/1164508.md) | 2026-06-30 | $49.2m | 527,078 |  | Added +193,060 |
| [AQR CAPITAL MANAGEMENT LLC](/funds/1167557.md) | 2026-06-30 | $45.7m | 490,098 |  | Added +26,801 |

## Recent filings

[All 1,178 filings](/companies/ecpg/filings.md)

| Filed | Accepted | Form | What it is | Accession |
| --- | --- | --- | --- | --- |
| 2026-08-19 | 21:27 ET | [8-K](/filings/0001084961-26-000062.md) | 5.02 Departure or appointment of officers or directors; 9.01 Financial statements and exhibits | 0001084961-26-000062 |
| 2026-08-05 | 21:19 ET | [10-Q](/filings/0001084961-26-000058.md) | Quarterly report, period 2026-06-30 | 0001084961-26-000058 |
| 2026-08-05 | 20:09 ET | [8-K](/filings/0001084961-26-000057.md) | 2.02 Results of operations; 9.01 Financial statements and exhibits | 0001084961-26-000057 |
| 2026-07-22 | 20:20 ET | [8-K](/filings/0001084961-26-000052.md) | 7.01 Regulation FD disclosure; 8.01 Other events; 9.01 Financial statements and exhibits | 0001084961-26-000052 |
| 2026-06-16 | 00:40 ET | [8-K](/filings/0001084961-26-000050.md) | 5.02 Departure or appointment of officers or directors; 5.03 Amendment to articles or bylaws; 5.07 Shareholder vote results; 9.01 Financial statements and exhibits | 0001084961-26-000050 |
| 2026-05-29 | 20:51 ET | [8-K](/filings/0001084961-26-000048.md) | 1.01 Entry into a material agreement; 2.03 New direct financial obligation; 9.01 Financial statements and exhibits | 0001084961-26-000048 |
| 2026-05-26 | 23:05 ET | [8-K](/filings/0001084961-26-000046.md) | 1.01 Entry into a material agreement; 2.03 New direct financial obligation; 9.01 Financial statements and exhibits | 0001084961-26-000046 |
| 2026-05-14 | 23:17 ET | [8-K](/filings/0001084961-26-000044.md) | 8.01 Other events; 9.01 Financial statements and exhibits | 0001084961-26-000044 |
| 2026-05-12 | 23:26 ET | [8-K](/filings/0001084961-26-000041.md) | 8.01 Other events; 9.01 Financial statements and exhibits | 0001084961-26-000041 |
| 2026-05-06 | 21:19 ET | [10-Q](/filings/0001084961-26-000039.md) | Quarterly report, period 2026-03-31 | 0001084961-26-000039 |

## Latest annual report

[Form 10-K for the fiscal year ended Dec 31, 2025](/filings/0001084961-26-000009.md), filed Feb 25, 2026.

## Forecast league

Q3 FY2026, the quarter ended 2026-09-30, is open for forecasts until the first results filing for it is accepted by EDGAR. Results are due by \[object Promise\]. [Forecast this quarter](/leagues/2026q3/targets/af9c5989-bc69-4645-87b2-12f2c3c54e65)

## About the filer

- CIK: 1084961
- Tickers: ECPG
- Exchange: Nasdaq
- SIC code: 6153 Short-Term Business Credit Institutions
- State of incorporation: DE
- Filer category: Large accelerated filer

Source: SEC EDGAR, XBRL company facts, the filing index and Forms 4. Last ingested by Listed: Oct 24, 2026, 15:32 ET. No prices; not investment advice.