What is Encore Capital Group's net debt?

Encore Capital Group (ECPG) reported net debt of $3.81B in Q1 2026.

How has Encore Capital Group's net debt changed year-over-year?

Encore Capital Group's net debt increased by 5.6% year-over-year, from $3.6B to $3.81B.

What is the long-term trend for Encore Capital Group's net debt?

Over 5 years (2020 to 2025), Encore Capital Group's net debt has grown at a 2.9% compound annual growth rate (CAGR), from $3.4B to $3.93B.

What does net debt mean?

Total debt minus cash and equivalents at the quarter end. The debt that would remain if the company used all its cash to pay down borrowings.

Encore Capital Group ECPG Net debt

Discontinued — last reported Q1 '26

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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

Calculated from Encore Capital Group’s reported figures.

$4.0Btotal debt−$227.2Mcash and equivalents=$3.81B

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 net debt?: Encore Capital Group (ECPG) reported net debt of $3.81B in Q1 2026.
How has Encore Capital Group's net debt changed year-over-year?: Encore Capital Group's net debt increased by 5.6% year-over-year, from $3.6B to $3.81B.
What is the long-term trend for Encore Capital Group's net debt?: Over 5 years (2020 to 2025), Encore Capital Group's net debt has grown at a 2.9% compound annual growth rate (CAGR), from $3.4B to $3.93B.
What does net debt mean?: Total debt minus cash and equivalents at the quarter end. The debt that would remain if the company used all its cash to pay down borrowings.