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.

	FY'25	FY'24	FY'23	FY'22
Profitability
Operating margin	35.4%—	——	——	33.2%-6.0pp
Net margin	14.5%+25.1pp	-10.6%+6.3pp	-16.9%—	——
EBITDA margin	37.1%+23.2pp	13.9%+9.1pp	4.8%-31.8pp	36.5%-5.8pp
Free cash flow margin	7.2%-2.5pp	9.7%-0.8pp	10.5%-1.9pp	12.4%-4.3pp
Returns
Return on equity	29.5%+45.8pp	-16.3%+3.2pp	-19.5%—	——
Return on assets	5.1%+8.0pp	-3%+1.6pp	-4.5%—	——
Return on invested capital	10.3%+6.8pp	3.5%+3.1pp	0.4%-10.5pp	10.9%-0.6pp
Efficiency
Asset turnover	0.3×+0.1×	0.3×0.0×	0.3×0.0×	0.3×0.0×
Leverage
Debt-to-equity	4.2×-0.8×	5×+1.4×	3.7×+1.0×	2.7×-0.1×
Debt-to-assets	0.8×0.0×	0.8×+0.1×	0.7×0.0×	0.7×0.0×
Net debt / EBITDA	6×-14.1×	20.1×-36.3×	56.4×+50.4×	6×+1.5×
Interest coverage	2.1×+1.5×	0.6×+0.5×	0.1×-2.9×	3×-0.7×
Per Share
Book value per share	$41.50+29.1%	$32.14-18.8%	$39.57-12.5%	$45.21+18.8%
Valuation
Market capitalization	$1.21B+7.1%	$1.13B-5.2%	$1.19B+6.5%	$1.12B-38.3%
Enterprise value	$5.14B+7.4%	$4.79B+6.9%	$4.48B+6.9%	$4.19B-14.9%
Price / earnings	4.7×—	——	——	——
Price / sales	0.7×-0.2×	0.9×-0.1×	1×+0.2×	0.8×-0.3×
Price / book	1.2×-0.2×	1.5×+0.2×	1.3×+0.3×	1×-0.6×
EV / EBITDA	7.8×-18.4×	26.3×-50.6×	76.9×+68.7×	8.2×+1.0×
EV / sales	2.9×-0.7×	3.6×0.0×	3.7×+0.7×	3×-0.1×
Free cash flow yield	10.5%-0.8pp	11.2%+0.5pp	10.7%-4.7pp	15.5%+0.6pp
Earnings yield	21.2%+33.5pp	-12.3%+5.0pp	-17.3%—	——

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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.