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) Free cash flow
Encore Capital Group Inc's free cash flow for fiscal 2025 was $164.6M, down 10.2% from $183.3M in fiscal 2024. Over the twelve months to 30 September 2026 it was $176.4M. Over the past ten years it has ranged from $87.5M (fiscal 2015) to $313.1M (fiscal 2019); the current reading is higher than 64% of that period. Encore Capital Group Inc ranks 30th of 52 Credit Services companies by free cash flow.
Free cash flow, annual
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Annual newest first
| Period | Free cash flow | Change |
|---|---|---|
| FY2025 | $164.6M | (10.24%) |
| FY2024 | $183.3M | 19.12% |
| FY2023 | $153.9M | (4.89%) |
| FY2022 | $161.8M | (46.20%) |
| FY2021 | $300.8M | 8.11% |
| FY2020 | $278.3M | (11.12%) |
| FY2019 | $313.1M | 162.39% |
| FY2018 | $119.3M | 24.69% |
| FY2017 | $95.7M | (3.01%) |
| FY2016 | $98.7M | 12.73% |
Quarterly newest first
| Period | Free cash flow | Change |
|---|---|---|
| Sep 2026 | $106.7M | — |
| Jun 2026 | −$37.8M | — |
| Mar 2026 | $77.5M | 63.00% |
| Dec 2025 | $47.5M | (37.10%) |
| 43 more quarters | Free account |
Against its own ten years
Free cash flow against peers
| Company | Free cash flow |
|---|---|
| BFH Bread Financial Holdings, Inc. compare | $2.2B |
| ATLC Atlanticus Holdings Corporation compare | $1.1B |
| AGM Federal Agricultural Mortgage Corporation compare | $312.2M |
| WU The Western Union Company compare | $276.2M |
| JCAP Jefferson Capital, Inc. compare | $219.7M |
| ECPG Encore Capital Group Inc | $176.4M |
| EZPW EZCORP, Inc. compare | $138.3M |
| UPST Upstart Holdings, Inc. compare | −$128.5M |
| SLM SLM Corporation compare | −$381.6M |
What Free cash flow is
Free Cash Flow tells an investor how much cash a company’s operations generate after paying for its investment in physical and intangible assets.
Operating Cash Flow + Property, Plant, Equipment Change (Net) + Intangible Assets Change (Net)
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- Price to free cash flow
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