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%+1.4pp	35.4%—	——	——	——
Net margin	16%+1.5pp	14.5%+17.4pp	-2.9%+3.2pp	-6.1%+2.3pp	-8.4%+2.2pp
Returns
Return on equity	32%+2.5pp	29.5%+34.0pp	-4.5%+5.0pp	-9.5%+3.6pp	-13.1%+3.3pp
Return on invested capital	11.2%+1.0pp	10.3%+6.8pp	3.4%-2.1pp	5.5%+0.9pp	4.6%+1.1pp
Efficiency
Asset turnover	0.4×0.0×	0.3×0.0×	0.3×0.0×	0.3×0.0×	0.3×0.0×
Leverage
Debt-to-equity	3.9×-0.3×	4.2×+0.1×	4.1×-0.3×	4.4×-0.2×	4.6×-0.4×
Net debt / EBITDA	5.4×-0.6×	6×-5.0×	11×-2.7×	13.7×-2.1×	15.8×-4.2×
Per Share
Book value per share	$46.36+11.7%	$41.50+2.4%	$40.52+6.6%	$38.00+12.6%	$33.75+5.0%
Valuation
Market capitalization	$1.5B+23.8%	$1.21B+26.2%	$960.51M+4.1%	$922.99M+13.6%	$812.14M-28.2%
Price / earnings	5.1×+0.3×	4.7×—	——	——	——
Price / sales	0.8×+0.1×	0.7×+0.1×	0.6×0.0×	0.6×0.0×	0.6×-0.3×
Price / book	1.5×+0.2×	1.2×+0.2×	1×0.0×	1×0.0×	1×-0.5×
EV / EBITDA	7.5×-0.4×	7.8×-5.9×	13.8×-3.3×	17.1×-2.3×	19.4×-6.9×

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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.