What is Encore Capital Group's net margin?

Encore Capital Group (ECPG) reported net margin of 16% in Q1 2026.

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

Encore Capital Group's net margin increased by 291.0% year-over-year, from -8.4% to 16%.

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

Over 4 years (2020 to 2025), Encore Capital Group's net margin has grown at a 0.7% compound annual growth rate (CAGR), from 14.1% to 14.5%.

What does net margin mean?

Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.

Encore Capital Group ECPG Net margin

Net margin at other companies

Pathward Financial, Inc.CASH

22.7%+0.5pp

Atlanticus Holdings CorporationATLC

21.5%-5.9pp

The BancorpTBBK

33.5%-3.8pp

Credit AcceptanceCACC

19.5%+6.5pp

Associated Banc-CorpASB

32.3%—

Ares Management CorporationARES

10.5%+0.3pp

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$1.84B+84.9%

Enterprise value$5.65B+20.2%

P/E6.2×—

P/S1×+0.3×

Profitability

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Operating margin36.8%—

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.

net income/total revenue=16%

Based on trailing twelve months.

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 margin?: Encore Capital Group (ECPG) reported net margin of 16% in Q1 2026.
How has Encore Capital Group's net margin changed year-over-year?: Encore Capital Group's net margin increased by 291.0% year-over-year, from -8.4% to 16%.
What is the long-term trend for Encore Capital Group's net margin?: Over 4 years (2020 to 2025), Encore Capital Group's net margin has grown at a 0.7% compound annual growth rate (CAGR), from 14.1% to 14.5%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.