How has Encore Capital Group's long-term debt and lease obligation changed year-over-year?

Encore Capital Group's long-term debt and lease obligation increased by 8.7% year-over-year, from $3.71B to $4.03B.

What is the long-term trend for Encore Capital Group's long-term debt and lease obligation?

Over 5 years (2020 to 2025), Encore Capital Group's long-term debt and lease obligation has grown at a 3.6% compound annual growth rate (CAGR), from $3.37B to $4.03B.

Encore Capital Group ECPG Long-Term Debt and Lease Obligation

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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 us-gaap:LongTermDebtAndCapitalLeaseObligations.

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 long-term debt and lease obligation?: Encore Capital Group (ECPG) reported long-term debt and lease obligation of $4.03B in Q4 2025.
How has Encore Capital Group's long-term debt and lease obligation changed year-over-year?: Encore Capital Group's long-term debt and lease obligation increased by 8.7% year-over-year, from $3.71B to $4.03B.
What is the long-term trend for Encore Capital Group's long-term debt and lease obligation?: Over 5 years (2020 to 2025), Encore Capital Group's long-term debt and lease obligation has grown at a 3.6% compound annual growth rate (CAGR), from $3.37B to $4.03B.