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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

Aug 5, 2026 (In 1 week)
Revenue estimate$455.1M
EPS estimate$2.67

Financials

Q2 2025

Income statement

See full
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

See full
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
See full
Market cap$922.99M-6.6%
Enterprise value$4.72B+12.4%
P/S0.6×-0.1×

Profitability

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

Returns & leverage

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

Versus estimates

Revenue

Q1 2026$475.4MBeat by $29.1MQ4 2025$473.6MBeat by $51.4MQ3 2025$460.4MBeat by $37.2M
Q2 2025$442.1MBeat by $48.8M
Q1 2025$392.8MBeat by $18.3MQ4 2024$265.6MMiss by $107.8M

Diluted EPS

Q1 2026$3.86Beat by $0.60Q4 2025$3.37Beat by $1.17Q3 2025$3.17Beat by $1.25
Q2 2025$2.49Beat by $1.05
Q1 2025$1.93Beat by $0.69Q4 2024$1.50Miss by $0.05

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Questions, answered.

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 10-Q periodic report (0001084961-25-000097) directly on SEC EDGAR. The filing index links above go to sec.gov.