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Encore Capital Group ECPG Q4 2025 Annual earnings

Reported February 25, 2026 · After market close

Revenue$473.6MBeat by $51.4M
EPS$3.37Beat by $1.17
Revenue estimate$422.2M
EPS estimate$2.20

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$473.6M+78.3%
Operating income$173.4M—
Net income$76.7M+134%
EPS (diluted)$3.34+136%

Balance sheet

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Cash & equivalents$156.8M-21.6%
Total debt$4.1B+6.0%
Total equity$976.8M+27.3%
Total assets$5.3B+11.5%

Cash flow

See full
Operating cash flow$16.8M-28.6%
CapEx$6.9M-19.0%
Free cash flow$9.9M-34.1%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$1.21B+7.1%
Enterprise value$5.14B+7.4%
P/E4.7×—
P/S0.7×-0.2×

Profitability

See full
Operating margin35.4%—
Net margin14.5%+10.2pp
FCF margin7.2%-2.5pp

Returns & leverage

See full
Return on equity29.5%+21.7pp
Debt / equity4.2×-0.8×

Versus estimates

Revenue

Q1 2026$475.4MBeat by $29.1M
Q4 2025$473.6MBeat by $51.4M
Q3 2025$460.4MBeat by $37.2MQ2 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 $0.60
Q4 2025$3.37Beat by $1.17
Q3 2025$3.17Beat by $1.25Q2 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 Q4 2025 earnings?
Encore Capital Group (ECPG) reported Q4 2025 earnings on February 25, 2026 after market close.
What were Encore Capital Group's Q4 2025 revenue and EPS?
Encore Capital Group reported revenue of $473.6M and eps of $3.37 for Q4 2025.
Did Encore Capital Group beat estimates in Q4 2025?
Revenue beat the consensus estimate of $422.2M by $51.4M. EPS beat the consensus estimate of $2.20 by $1.17.
How did Encore Capital Group's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 78.3% from $265.6M a year earlier and eps grew 124.7% from $1.50.
Where can I find Encore Capital Group's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001084961-26-000007) and the 10-K periodic report (0001084961-26-000009) directly on SEC EDGAR. The filing index links above go to sec.gov.