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Encore Capital Group ECPG Certain Loans Acquired In Transfer Not Accounted For As Debt Securities, Changes To Expected Current And Future Period Recoveries

Certain Loans Acquired In Transfer Not Accounted For As Debt Securities, Changes To Expected Current And Future Period Recoveries at other companies

Western Alliance Bancorporation logo
Western Alliance BancorporationWAL
$600K-64.7%
The Bancorp logo
The BancorpTBBK
$22.06M+272%
Independent Bank Corp logo
Independent Bank CorpINDB
$9.19M+2,140%
Granite Point Mortgage Trust logo
Granite Point Mortgage TrustGPMT
$300K+235%
Service Corporation International logo
Service Corporation InternationalSCI
$0—
Granite Point Mortgage Trust logo
Granite Point Mortgage TrustGPMT
$300K+235%

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

Reported directly by Encore Capital Group in its filing.

Tagged under the XBRL concept ecpg:CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesChangesToExpectedCurrentAndFuturePeriodRecoveries.

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 certain loans acquired in transfer not accounted for as debt securities, changes to expected current and future period recoveries?
Encore Capital Group (ECPG) reported certain loans acquired in transfer not accounted for as debt securities, changes to expected current and future period recoveries of $62.74M in Q1 2026.
How has Encore Capital Group's certain loans acquired in transfer not accounted for as debt securities, changes to expected current and future period recoveries changed year-over-year?
Encore Capital Group's certain loans acquired in transfer not accounted for as debt securities, changes to expected current and future period recoveries increased by 192.3% year-over-year, from $21.46M to $62.74M.
What is the long-term trend for Encore Capital Group's certain loans acquired in transfer not accounted for as debt securities, changes to expected current and future period recoveries?
Over 3 years (2021 to 2025), Encore Capital Group's certain loans acquired in transfer not accounted for as debt securities, changes to expected current and future period recoveries has grown at a 1.6% compound annual growth rate (CAGR), from $199.14M to $208.77M.
What does certain loans acquired in transfer not accounted for as debt securities, changes to expected current and future period recoveries mean?
Reflects adjustments to the expected cash flows from purchased debt portfolios based on revised recovery estimates. This metric captures the variance between initial underwriting assumptions and actual collection performance over time. It is a critical indicator of the company's ability to accurately price and forecast the performance of distressed consumer receivables.