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) Operating cash flow
Encore Capital Group Inc's operating cash flow for fiscal 2025 was $153.2M, unchanged from fiscal 2024. Over the twelve months to 30 September 2026 it was $176.4M. Over the past ten years it has ranged from $116.1M (fiscal 2015) to $312.9M (fiscal 2020); the current reading is higher than 45% of that period. Encore Capital Group Inc ranks 32nd of 52 Credit Services companies by operating cash flow.
Operating cash flow, annual
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Annual newest first
| Period | Operating cash flow | Change |
|---|---|---|
| FY2025 | $153.2M | (1.90%) |
| FY2024 | $156.2M | 2.08% |
| FY2023 | $153.0M | (27.38%) |
| FY2022 | $210.7M | (30.48%) |
| FY2021 | $303.1M | (3.14%) |
| FY2020 | $312.9M | 27.84% |
| FY2019 | $244.7M | 31.02% |
| FY2018 | $186.8M | 50.86% |
| FY2017 | $123.8M | (5.00%) |
| FY2016 | $130.3M | 12.21% |
Quarterly newest first
| Period | Operating cash flow | Change |
|---|---|---|
| Sep 2026 | $106.7M | — |
| Jun 2026 | −$29.4M | — |
| Mar 2026 | $82.3M | 389.72% |
| Dec 2025 | $16.8M | (79.39%) |
| 43 more quarters | Free account |
Against its own ten years
Operating cash flow against peers
| Company | Operating cash flow |
|---|---|
| BFH Bread Financial Holdings, Inc. compare | $2.2B |
| ATLC Atlanticus Holdings Corporation compare | $1.1B |
| WU The Western Union Company compare | $456.6M |
| AGM Federal Agricultural Mortgage Corporation compare | $310.1M |
| JCAP Jefferson Capital, Inc. compare | $221.1M |
| EZPW EZCORP, Inc. compare | $181.6M |
| ECPG Encore Capital Group Inc | $176.4M |
| UPST Upstart Holdings, Inc. compare | −$114.3M |
| SLM SLM Corporation compare | −$381.6M |
What Operating cash flow is
Operating Cash Flow shows how much cash a company’s day-to-day business actually brings in, after paying suppliers, staff and taxes.
Reported line item
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- Price to free cash flow
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