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Encore Capital Group ECPG Q3 2025 earnings

Reported November 5, 2025 · After market close

Revenue$460.4MBeat by $37.2M
EPS$3.17Beat by $1.25
Revenue estimate$423.1M
EPS estimate$1.92

Next report

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

Financials

Q3 2025

Income statement

See full
Revenue$460.4M+25.4%
Operating income$173.2M+63.2%
Net income$74.7M+144%
EPS (diluted)$3.17+152%

Balance sheet

See full
Cash & equivalents$172.5M-30.3%
Total debt$3.9B+10.8%
Total equity$952.9M-9.1%
Total assets$5.3B+5.3%

Cash flow

See full
Operating cash flow$81.6M+77.6%
CapEx$6.0M-2.9%
Free cash flow$75.6M+90.2%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$960.51M-14.2%
Enterprise value$4.72B+6.7%
P/S0.6×-0.2×

Profitability

See full
Net margin-2.9%-1.3pp
FCF margin8.5%-2.2pp

Returns & leverage

See full
Return on equity-4.5%-1.9pp
Debt / equity4.1×+0.7×

Versus estimates

Revenue

Q1 2026$475.4MBeat by $29.1MQ4 2025$473.6MBeat by $51.4M
Q3 2025$460.4MBeat by $37.2M
Q2 2025$442.1MBeat by $48.8MQ1 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 $1.17
Q3 2025$3.17Beat by $1.25
Q2 2025$2.49Beat by $1.05Q1 2025$1.93Beat by $0.69Q4 2024$1.50Miss by $0.05

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Questions, answered.

When did Encore Capital Group report Q3 2025 earnings?
Encore Capital Group (ECPG) reported Q3 2025 earnings on November 5, 2025 after market close.
What were Encore Capital Group's Q3 2025 revenue and EPS?
Encore Capital Group reported revenue of $460.4M and eps of $3.17 for Q3 2025.
Did Encore Capital Group beat estimates in Q3 2025?
Revenue beat the consensus estimate of $423.1M by $37.2M. EPS beat the consensus estimate of $1.92 by $1.25.
How did Encore Capital Group's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 25.4% from $367.1M a year earlier and eps grew 151.6% from $1.26.
Where can I find Encore Capital Group's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001084961-25-000115) and the 10-Q periodic report (0001084961-25-000116) directly on SEC EDGAR. The filing index links above go to sec.gov.