stockrowEncore Capital Group Inc
ECPG Financial Credit Services
Encore Capital Group Inc’s revenue for fiscal 2025 (year ended December 2025) was $1.8 billion, up 34.4% from fiscal 2024.
- Revenue
- +18.3%
- EPS
- +80.1%
- Free cash flow
- +41.2%
- Total debt
- +7.73%
Quarter to September 2026, against a year earlier
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Encore Capital Group Inc (ECPG) Current ratio
Encore Capital Group Inc's current ratio at the end of the quarter to 30 September 2026 was 0.6×, down 0.1× from fiscal 2025 (0.7×). Over the past ten years it has ranged from 0.4× (fiscal 2015) to 0.9× (fiscal 2020); the current reading is higher than 36% of that period. That is below the Credit Services industry median of 1.3× and below the Financial sector median of 1.0×.
Current ratio, annual
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Annual newest first
| Period | Current ratio | Change |
|---|---|---|
| FY2025 | 0.7× | (20.44%) |
| FY2024 | 0.9× | 2.64% |
| FY2023 | 0.8× | 14.85% |
| FY2022 | 0.7× | (12.11%) |
| FY2021 | 0.8× | (5.73%) |
| FY2020 | 0.9× | 2.00% |
| FY2019 | 0.9× | 57.12% |
| FY2018 | 0.5× | (26.61%) |
| FY2017 | 0.7× | 16.59% |
| FY2016 | 0.6× | 49.73% |
Quarterly newest first
| Period | Current ratio | Change |
|---|---|---|
| Sep 2026 | 0.6× | (35.76%) |
| Jun 2026 | 1.0× | 6.45% |
| Mar 2026 | 0.9× | 32.27% |
| Dec 2025 | 0.7× | 2.59% |
| 43 more quarters | Free account |
Against its own ten years
Current ratio against peers
| Company | Current ratio |
|---|---|
| EZPW EZCORP, Inc. compare | 4.8× |
| SLM SLM Corporation compare | 1.2× |
| BFH Bread Financial Holdings, Inc. compare | 1.2× |
| ECPG Encore Capital Group Inc | 0.6× |
| AGM Federal Agricultural Mortgage Corporation compare | 0.6× |
| UPST Upstart Holdings, Inc. compare | 0.6× |
| JCAP Jefferson Capital, Inc. compare | 0.0× |
| WU The Western Union Company compare | 0.0× |
| ATLC Atlanticus Holdings Corporation compare | 0.0× |
| Credit Services industry median | 1.3× |
| Financial sector median | 1.0× |
| Market median | 1.6× |
What Current ratio is
Current Ratio shows whether a company’s short-term assets are enough to cover the bills and debts it must pay within the next year.
Current Assets (Total) ÷ Current Liabilities (Total)
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- Net income
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- Free cash flow
- Operating cash flow
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- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Total debt
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- Book value per share
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- Piotroski F-score
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