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Encore Capital Group ECPG Cost Of Legal Collections

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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$1.99B+127%
Enterprise value$5.98B+28.2%
P/E6.6×
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 ecpg:CostOfLegalCollections.

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 revenues491,872442,122967,283834,897
Operating expenses
Salaries and employee benefits119,585117,738234,126223,670
Cost of legal collections96,59979,649185,820147,662
General and administrative expenses38,72441,32778,35382,345
Other operating expenses36,83136,99071,66471,242
Collection agency commissions6,1198,37412,45615,247
Depreciation and amortization7,1127,31113,97014,655

Item 1—Condensed Consolidated Financial Statements (Unaudited)

FAQ

What is Encore Capital Group's cost of legal collections?
Encore Capital Group (ECPG) reported cost of legal collections of $96.6M in Q2 2026.
How has Encore Capital Group's cost of legal collections changed year-over-year?
Encore Capital Group's cost of legal collections increased by 21.3% year-over-year, from $79.65M to $96.6M.
What is the long-term trend for Encore Capital Group's cost of legal collections?
Over 4 years (2021 to 2025), Encore Capital Group's cost of legal collections has grown at a 5.5% compound annual growth rate (CAGR), from $254.28M to $315.45M.
What does cost of legal collections mean?
Cost Of Legal Collections as reported by Encore Capital Group, Inc..

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