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Encore Capital Group ECPG Purchased Credit Deteriorated Loans

Purchased Credit Deteriorated Loans at other companies

Atlanticus Holdings Corporation logo
Atlanticus Holdings CorporationATLC
——
Credit Acceptance logo
Credit AcceptanceCACC
——

Other financials

Income statement

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Revenue$475.4M+21.0%
Operating income$184.0M+42.3%
Net income$86.2M+84.3%
EPS (diluted)$3.86+100%

Balance sheet

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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

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Operating cash flow$82.3M+81.8%
CapEx$4.9M-30.5%
Free cash flow$77.5M+102%

Valuation

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Market cap$1.87B+84.9%

Profitability

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Operating margin36.8%—
Net margin16%+11.9pp
FCF margin9%+0.2pp

Returns & leverage

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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 purchased credit deteriorated loans?
Encore Capital Group (ECPG) reported purchased credit deteriorated loans of $4.44B in Q1 2026.
How has Encore Capital Group's purchased credit deteriorated loans changed year-over-year?
Encore Capital Group's purchased credit deteriorated 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 purchased credit deteriorated loans?
Over 4 years (2021 to 2025), Encore Capital Group's purchased credit deteriorated loans has grown at a 9.3% compound annual growth rate (CAGR), from $3.07B to $4.37B.