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Encore Capital Group ECPG Restricted Cash

Restricted Cash at other companies

Pathward Financial, Inc.CASH

$0—

Atlanticus Holdings CorporationATLC

$152.93M+37.7%

Golub CapitalGBDC

$22.78M-82.4%

Credit AcceptanceCACC

$525.7M-11.2%

EFC

Ellington Financial Inc.EFC

$28.3M+102%

The Carlyle GroupCG

——

Other financials

Income statement

Revenue$475.4M+21.0%

Operating income$184.0M+42.3%

Net income$86.2M+84.3%

EPS (diluted)$3.86+100%

Balance sheet

Cash & equivalents$227.2M+21.4%

Total debt$4.0B+6.4%

Total equity$1.0B+26.3%

Total assets$5.5B+9.7%

Cash flow

Operating cash flow$82.3M+81.8%

CapEx$4.9M-30.5%

Free cash flow$77.5M+102%

Valuation

Market cap$1.87B+84.9%

Profitability

Operating margin36.8%—

Net margin16%+11.9pp

FCF margin9%+0.2pp

Returns & leverage

Return on equity32%+24.8pp

Debt / equity3.9×-0.7×

Where this comes from

Reported directly by Encore Capital Group in its filing.

Tagged under the XBRL concept us-gaap:RestrictedCash.

The official record: Encore Capital Group’s 10-K, filed February 25, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Encore Capital Group's restricted cash?: Encore Capital Group (ECPG) reported restricted cash of $22.5M in Q4 2025.
How has Encore Capital Group's restricted cash changed year-over-year?: Encore Capital Group's restricted cash increased by 4.7% year-over-year, from $21.5M to $22.5M.
What is the long-term trend for Encore Capital Group's restricted cash?: Over 5 years (2020 to 2025), Encore Capital Group's restricted cash has grown at a 2.1% compound annual growth rate (CAGR), from $20.3M to $22.5M.
What does restricted cash mean?: Cash restricted for specific purposes by contractual, regulatory, or legal requirements — not available for general corporate use.