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Encore Capital Group ECPG Q2 2025 earnings

Reported August 6, 2025 · After market close

Revenue$442.1MBeat by $48.8M
EPS$2.49Beat by $1.05
Revenue estimate$393.3M
EPS estimate$1.44

Next report

Nov 4, 2026 (in 2 months)
Revenue estimate$466.8M
EPS estimate$3.35

Financials

Q2 2025

Income statement

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Revenue$442.1M+24.4%
Operating income$150.7M+48.0%
Net income$58.7M+82.5%
EPS (diluted)$2.49+85.8%

Balance sheet

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Cash & equivalents$172.9M-31.0%
Total debt$4.0B+14.7%
Total equity$896.0M-9.3%
Total assets$5.2B+7.8%

Cash flow

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Operating cash flow$9.5M-73.3%
CapEx$6.3M-14.3%
Free cash flow$3.2M-88.7%

Valuation & ratios

Valuation

as of 06/30/25
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Market cap$922.99M-6.6%
Enterprise value$4.72B+12.4%
P/S0.6×-0.1×

Profitability

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Net margin-6.1%-2.3pp
FCF margin6.6%-5.1pp

Returns & leverage

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Return on equity-9.5%-3.0pp
Debt / equity4.4×+0.9×

FAQ

When did Encore Capital Group report Q2 2025 earnings?
Encore Capital Group (ECPG) reported Q2 2025 earnings on August 6, 2025 after market close.
What were Encore Capital Group's Q2 2025 revenue and EPS?
Encore Capital Group reported revenue of $442.1M and eps of $2.49 for Q2 2025.
Did Encore Capital Group beat estimates in Q2 2025?
Revenue beat the consensus estimate of $393.3M by $48.8M. EPS beat the consensus estimate of $1.44 by $1.05.
How did Encore Capital Group's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 25.5% from $352.1M a year earlier and eps grew 85.8% from $1.34.
Where can I find Encore Capital Group's Q2 2025 SEC filings?
You can read the 8-K earnings release (0001084961-25-000096) and the 10-Q periodic report (0001084961-25-000097) directly on SEC EDGAR. The filing index links above go to sec.gov.