Where do Encore Capital Group's ratios come from?

Every ratio is computed from Encore Capital Group's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

	Q1 '26	Q4 '25	Q3 '25	Q2 '25	Q1 '25
Profitability
Operating margin	36.8%—	35.4%—	——	——	——
Net margin	16%+24.4pp	14.5%+25.1pp	-2.9%+11.0pp	-6.1%+9.4pp	-8.4%+7.9pp
Returns
Return on equity	32%+45.0pp	29.5%+45.8pp	-4.5%+11.9pp	-9.5%+8.2pp	-13.1%+5.8pp
Return on invested capital	11.2%+6.7pp	10.3%+6.8pp	3.4%+1.7pp	5.5%+4.5pp	4.6%+3.8pp
Efficiency
Asset turnover	0.4×+0.1×	0.3×+0.1×	0.3×0.0×	0.3×0.0×	0.3×0.0×
Leverage
Debt-to-equity	3.9×-0.7×	4.2×-0.8×	4.1×+0.7×	4.4×+0.9×	4.6×+1.1×
Net debt / EBITDA	5.4×-10.5×	6×-14.1×	11×-20.0×	13.7×-26.7×	15.8×-30.7×
Per Share
Book value per share	$46.36+37.4%	$41.50+29.1%	$40.52-5.7%	$38.00-7.3%	$33.75-13.4%
Valuation
Market capitalization	$1.5B+84.9%	$1.21B+7.1%	$960.51M-14.2%	$922.99M-6.6%	$812.14M-24.4%
Price / earnings	5.1×—	4.7×—	——	——	——
Price / sales	0.8×+0.2×	0.7×-0.2×	0.6×-0.2×	0.6×-0.1×	0.6×-0.3×
Price / book	1.5×+0.5×	1.2×-0.2×	1×-0.1×	1×0.0×	1×-0.1×
EV / EBITDA	7.5×-11.9×	7.8×-18.4×	13.8×-27.7×	17.1×-35.9×	19.4×-42.7×

Chart any of these lines over time, or line them up against competitors.

Compare these in charts →

Ask your AI about Encore Capital Group.

Connect your AI assistant and get a quick read on the numbers, right in your chat.

Connect your AI

Claude

Questions, answered.

Where do Encore Capital Group's ratios come from?: Every ratio is computed from Encore Capital Group's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.