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%+24.4pp	14.5%+25.1pp	-2.9%+11.0pp	-6.1%—	-8.4%—
EBITDA margin	38.3%+21.8pp	37.1%+23.2pp	21.9%+13.9pp	18.8%+12.6pp	16.5%+10.9pp
Free cash flow margin	9%+0.2pp	7.2%-2.5pp	8.5%-2.2pp	6.6%-5.1pp	8.8%-2.6pp
Returns
Return on equity	32%+45.0pp	29.5%+45.8pp	-4.5%+11.9pp	-9.5%—	-13.1%—
Return on assets	5.7%+8.1pp	5.1%+8.0pp	-0.9%+2.9pp	-1.8%—	-2.4%—
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×
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×-10.5×	6×-14.1×	11×-20.0×	13.7×-26.7×	15.8×-30.7×
Interest coverage	2.3×+1.6×	2.1×+1.5×	1.1×+0.8×	0.9×+0.7×	0.7×+0.6×
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%
Enterprise value	$5.31B+20.2%	$5.14B+7.4%	$4.72B+6.7%	$4.72B+12.4%	$4.42B+3.5%
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×
EV / sales	2.9×-0.3×	2.9×-0.7×	3×-0.3×	3.2×-0.1×	3.2×-0.2×
Free cash flow yield	11.1%-3.9pp	10.5%-0.8pp	13.7%+1.2pp	10.4%-4.5pp	14.9%+1.8pp
Earnings yield	19.7%+34.0pp	21.2%+33.5pp	-4.7%+11.8pp	-9.7%—	-14.2%—

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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.