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Encore Capital Group ECPG Operating Lease ROU Assets

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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$2.08B+138%
Enterprise value$6.07B+30.1%
P/E6.9×—
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 us-gaap:OperatingLeaseWeightedAverageDiscountRatePercent.

The source filing: Encore Capital Group’s 10-K, filed February 25, 2026.

Filed
Feb 25, 2026, 5:20 PM EST
Fiscal year
FY2025
Accession
0001084961-26-000009
Weighted-average remaining lease term (in years)December 31, 2025December 31, 2024December 31, 2023
Operating leases4.65.45.7
Finance leases2.11.41.6
Weighted-average discount rate
Operating leases5.2%5.3%5.4%
Finance leases7.5%4.8%4.1%

Item 16—Form 10-K Summary

FAQ

What is Encore Capital Group's operating lease ROU assets?
Encore Capital Group (ECPG) reported operating lease ROU assets of 5.2% in Q4 2025.
How has Encore Capital Group's operating lease ROU assets changed year-over-year?
Encore Capital Group's operating lease ROU assets decreased by 1.9% year-over-year, from 5.3% to 5.2%.
What is the long-term trend for Encore Capital Group's operating lease ROU assets?
Over 5 years (2020 to 2025), Encore Capital Group's operating lease ROU assets has grown at a 0.8% compound annual growth rate (CAGR), from 5% to 5.2%.
What does operating lease ROU assets mean?
Right-of-use assets representing the lessee's right to use leased property over the lease term under ASC 842 operating lease classification.

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