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Encore Capital Group ECPG Negative allowance for expected recoveries

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Other financials

Income statement

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Revenue$491.9M+11.3%
Operating income$186.9M+24.0%
Net income$64.0M+9.0%
EPS (diluted)$2.81+12.9%

Balance sheet

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Cash & equivalents$182.9M+5.8%
Total debt$4.2B+5.4%
Total equity$1.1B+20.4%
Total assets$5.6B+7.2%

Cash flow

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Operating cash flow$82.3M+81.8%
CapEx$8.4M+32.6%
Free cash flow$77.5M+102%

Valuation

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Market cap$2.01B+123%
Enterprise value$6.01B+28.0%
P/E6.7×—
P/S1.1×+0.4×

Profitability

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Operating margin37.7%—
Net margin15.9%+12.4pp
FCF margin9%+0.2pp

Returns & leverage

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Return on equity30.5%+24.7pp
Debt / equity3.9×-0.6×

Where this comes from

Reported directly by Encore Capital Group in its filing.

Tagged under the XBRL concept ecpg:FinancingReceivableAllowanceForCreditLossExpectedRecoveries.

The source filing: Encore Capital Group’s 10-Q, filed August 5, 2026.

Filed
Aug 5, 2026, 5:19 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001084961-26-000058
Amortized costJune 30, 2026 / $June 30, 2026 / —December 31, 2025 / $December 31, 2025 / —
Negative allowance for expected recoveries4,609,7054,371,532
Balance, end of period$$4,609,705$$4,371,532

Item 1—Condensed Consolidated Financial Statements (Unaudited)

FAQ

What is Encore Capital Group's negative allowance for expected recoveries?
Encore Capital Group (ECPG) reported negative allowance for expected recoveries of $4.61B in Q2 2026.
How has Encore Capital Group's negative allowance for expected recoveries changed year-over-year?
Encore Capital Group's negative allowance for expected recoveries increased by 10.2% year-over-year, from $4.18B to $4.61B.
What is the long-term trend for Encore Capital Group's negative allowance for expected recoveries?
Over 2 years (2023 to 2025), Encore Capital Group's negative allowance for expected recoveries has grown at a 12.3% compound annual growth rate (CAGR), from $3.47B to $4.37B.
What does negative allowance for expected recoveries mean?
Negative allowance for expected recoveries as reported by Encore Capital Group, Inc..

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