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Encore Capital Group ECPG Negative allowance for expected recoveries

Negative allowance for expected recoveries at other companies

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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

Reported directly by Encore Capital Group in its filing.

Tagged under the XBRL concept ecpg:FinancingReceivableAllowanceForCreditLossExpectedRecoveries.

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 negative allowance for expected recoveries?
Encore Capital Group (ECPG) reported negative allowance for expected recoveries of $4.44B in Q1 2026.
How has Encore Capital Group's negative allowance for expected recoveries changed year-over-year?
Encore Capital Group's negative allowance for expected recoveries increased by 12.3% year-over-year, from $3.95B to $4.44B.
What is the long-term trend for Encore Capital Group's negative allowance for expected recoveries?
Over 2 years (2023 to 2025), Encore Capital Group's negative allowance for expected recoveries has grown at a 12.3% compound annual growth rate (CAGR), from $3.47B to $4.37B.
What does negative allowance for expected recoveries mean?
A contra-asset account representing the negative allowance or adjustment applied to the expected recovery estimates of purchased debt portfolios. This reflects management's assessment of the collectability of consumer receivables and the potential for credit losses exceeding initial projections. It serves as a key indicator of portfolio quality and the accuracy of historical recovery modeling.