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) Return on invested capital
Encore Capital Group Inc's return on invested capital over the twelve months to 30 September 2026 was 0.00%, down 4.4 percentage points from fiscal 2025 (4.36%). Over the past ten years it has ranged from −2.46% (fiscal 2023) to 6.83% (fiscal 2021); the current reading is higher than 82% of that period. That is below the Credit Services industry median of 4.56% and below the Financial sector median of 4.70%.
Return on invested capital, annual
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Annual newest first
| Period | Return on invested capital | Change (points) |
|---|---|---|
| FY2025 | 4.36% | 5.50 |
| FY2024 | −1.14% | 1.32 |
| FY2023 | −2.46% | (7.46) |
| FY2022 | 5.00% | (1.83) |
| FY2021 | 6.83% | 2.73 |
| FY2020 | 4.10% | 1.21 |
| FY2019 | 2.89% | 0.53 |
| FY2018 | 2.36% | 0.21 |
| FY2017 | 2.15% | 1.03 |
| FY2016 | 1.12% | (0.67) |
Against its own ten years
Return on invested capital against peers
| Company | Return on invested capital |
|---|---|
| JCAP Jefferson Capital, Inc. compare | 42.0% |
| ATLC Atlanticus Holdings Corporation compare | 22.3% |
| EZPW EZCORP, Inc. compare | 13.9% |
| WU The Western Union Company compare | 13.3% |
| SLM SLM Corporation compare | 8.72% |
| AGM Federal Agricultural Mortgage Corporation compare | 5.67% |
| UPST Upstart Holdings, Inc. compare | 1.53% |
| BFH Bread Financial Holdings, Inc. compare | 0.00% |
| ECPG Encore Capital Group Inc | 0.00% |
| Credit Services industry median | 4.56% |
| Financial sector median | 4.70% |
| Market median | 0.00% |
What Return on invested capital is
Return on Invested Capital shows how much after-tax operating profit a company earns on the money its lenders and shareholders have put in.
TTM: (Operating Income × 0.625) ÷ (Shareholders Equity (Total) (latest quarter) + Long Term Debt (Total) (latest quarter) + Current Part of Debt (latest quarter) − Cash & Short Term Investments (latest quarter)); Annual: (Operating Income × 0.625) ÷ (Shareholders Equity (Total) + Long Term Debt (Total) + Current Part of Debt − Cash & Short Term Investments)
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- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Debt to equity
- Current ratio
- Total debt
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