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.

	TTM Q1 '26	TTM Q4 '25	TTM Q3 '25	TTM Q2 '25	TTM Q1 '25
Profitability
Net margin	16%+1.5pp	14.5%+17.4pp	-2.9%+3.2pp	-6.1%+2.3pp	-8.4%+2.2pp
EBITDA margin	38.3%+1.3pp	37.1%+15.1pp	21.9%+3.1pp	18.8%+2.3pp	16.5%+2.6pp
Free cash flow margin	9%+1.8pp	7.2%-1.3pp	8.5%+1.9pp	6.6%-2.2pp	8.8%-0.9pp
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 assets	5.7%+0.6pp	5.1%+6.0pp	-0.9%+0.9pp	-1.8%+0.6pp	-2.4%+0.6pp
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×
Debt-to-assets	0.7×0.0×	0.8×0.0×	0.7×0.0×	0.8×0.0×	0.8×0.0×
Net debt / EBITDA	5.4×-0.6×	6×-5.0×	11×-2.7×	13.7×-2.1×	15.8×-4.2×
Interest coverage	2.3×+0.2×	2.1×+1.0×	1.1×+0.2×	0.9×+0.1×	0.7×+0.1×
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%
Enterprise value	$5.31B+3.2%	$5.14B+8.9%	$4.72B+0.1%	$4.72B+6.8%	$4.42B-7.8%
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×
EV / sales	2.9×0.0×	2.9×-0.1×	3×-0.2×	3.2×0.0×	3.2×-0.4×
Free cash flow yield	11.1%+0.6pp	10.5%-3.3pp	13.7%+3.3pp	10.4%-4.5pp	14.9%+3.7pp
Earnings yield	19.7%-1.5pp	21.2%+25.9pp	-4.7%+5.0pp	-9.7%+4.6pp	-14.2%-1.9pp

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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.