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Encore Capital Group ECPG International — Total

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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$2.13B+136%
Enterprise value$6.12B+30.4%
P/E7.1×
P/S1.1×+0.5×

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 us-gaap:PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization.

The source filing: Encore Capital Group’s 10-K, filed February 25, 2026.

Filed
Feb 25, 2026, 5:20 PM EST
Fiscal year
FY2025
Accession
0001084961-26-000009
Line itemDecember 31,2025December 31,2024
Long-lived assets(1):
United States$53,982$60,050
International
United Kingdom49,46144,726
India18,29520,801
Other foreign countries(2)16,97113,109
84,72778,636
Total$138,709$138,686

Item 16—Form 10-K Summary

FAQ

What is Encore Capital Group's international — total?
Encore Capital Group (ECPG) reported international — total of $84.73M in Q4 2025.
How has Encore Capital Group's international — total changed year-over-year?
Encore Capital Group's international — total increased by 7.7% year-over-year, from $78.64M to $84.73M.
What does international — total mean?
This metric represents the aggregate financial performance or operational scale of the company's business activities conducted outside of its primary domestic market. It captures the total contribution of international operations to the firm's consolidated financial results, reflecting geographic diversification and exposure to foreign regulatory and economic environments. Investors use this to assess the relative weight and growth trajectory of the company's global footprint.

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