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Encore Capital Group ECPG Gross loans

Gross loans at other companies

Pathward Financial, Inc.CASH

$4.87B+9.0%

Atlanticus Holdings CorporationATLC

$80.72M-0.6%

The BancorpTBBK

$7.75B+21.5%

Credit AcceptanceCACC

$7.96B-0.3%

Regions FinancialRF

$97.93B+2.3%

Other financials

Income statement

Revenue$475.4M+21.0%

Operating income$184.0M+42.3%

Net income$86.2M+84.3%

EPS (diluted)$3.86+100%

Balance sheet

Cash & equivalents$227.2M+21.4%

Total debt$4.0B+6.4%

Total equity$1.0B+26.3%

Total assets$5.5B+9.7%

Cash flow

Operating cash flow$82.3M+81.8%

CapEx$4.9M-30.5%

Free cash flow$77.5M+102%

Valuation

Market cap$1.87B+84.9%

Enterprise value$5.67B+20.2%

P/E6.3×—

P/S1×+0.3×

Profitability

Operating margin36.8%—

Net margin16%+11.9pp

FCF margin9%+0.2pp

Returns & leverage

Return on equity32%+24.8pp

Debt / equity3.9×-0.7×

Where this comes from

Reported directly by Encore Capital Group in its filing.

Tagged under the XBRL concept us-gaap:NotesReceivableNet.

The official record: Encore Capital Group’s 10-Q, filed May 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Encore Capital Group's gross loans?: Encore Capital Group (ECPG) reported gross loans of $4.44B in Q1 2026.
How has Encore Capital Group's gross loans changed year-over-year?: Encore Capital Group's gross loans increased by 12.3% year-over-year, from $3.95B to $4.44B.
What is the long-term trend for Encore Capital Group's gross loans?: Over 4 years (2021 to 2025), Encore Capital Group's gross loans has grown at a 9.3% compound annual growth rate (CAGR), from $3.07B to $4.37B.
What does gross loans mean?: Total loans outstanding before deducting the allowance for credit losses — the gross lending portfolio across all categories.