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Encore Capital Group ECPG United States — Revenues, Adjusted By Net Allowances

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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:RevenuesAdjustedByNetAllowances.

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
Line itemThree Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Total revenues:
United States$362,501$312,590$714,159$582,176
Europe
United Kingdom97,24591,009185,770175,477
Other European countries(1)30,88537,12964,32274,122
Total Europe128,130128,138250,092249,599
Other geographies(1)1,2411,3943,0323,122
Total$491,872$442,122$967,283$834,897

Item 1—Condensed Consolidated Financial Statements (Unaudited)

FAQ

What is Encore Capital Group's united states — revenues, adjusted by net allowances?
Encore Capital Group (ECPG) reported united states — revenues, adjusted by net allowances of $362.5M in Q2 2026.
What does united states — revenues, adjusted by net allowances mean?
This metric represents the net revenue generated from debt recovery operations within the United States segment after accounting for adjustments related to portfolio allowances. It reflects the core income performance of the company's consumer receivable purchasing activities in this specific geographic market. Investors use this to evaluate the effectiveness of collection strategies and the underlying profitability of the regional portfolio.

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