What does difference in basis of bond and loan costs mean?

The temporary difference between the tax basis and the financial reporting carrying value of bond and loan-related costs. This metric highlights the timing mismatch between when expenses are recognized for accounting purposes versus when they are deductible for tax purposes. It provides insight into the company's future tax obligations and deferred tax management.

Encore Capital Group ECPG Difference in basis of bond and loan costs

Difference in basis of bond and loan costs at other companies

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$3.92M—

WingstopWING

6.6%—

Corebridge FinancialCRBG

$2.34B-20.7%

SHA

SharonAI Holdings, Inc. Class A Common StockSHAZ

$293.71K—

American International GroupAIG

$336M+1,020%

OFG BancorpOFG

$27.37M—

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:DeferredTaxAssetsDifferencesInBasisOfBondAndLoanCosts.

The official record: Encore Capital Group’s 10-K, filed February 25, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Encore Capital Group's difference in basis of bond and loan costs?: Encore Capital Group (ECPG) reported difference in basis of bond and loan costs of $2.87M in Q4 2025.
What does difference in basis of bond and loan costs mean?: The temporary difference between the tax basis and the financial reporting carrying value of bond and loan-related costs. This metric highlights the timing mismatch between when expenses are recognized for accounting purposes versus when they are deductible for tax purposes. It provides insight into the company's future tax obligations and deferred tax management.