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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

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

Financials

Q4 2025

Income statement

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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

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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

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

Returns & leverage

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

FAQ

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.