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) Total debt
Encore Capital Group Inc's total debt at the end of fiscal 2025 was $4.0B, up 8.95% from $3.7B in fiscal 2024. At the end of the quarter to 30 September 2026 it was $4.2B. Over the past ten years it has ranged from $2.8B (fiscal 2016) to $4.0B (fiscal 2025) — the current reading is the highest in ten years. Encore Capital Group Inc ranks 18th of 51 Credit Services companies by total debt.
Total debt, annual
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Annual newest first
| Period | Total debt | Change |
|---|---|---|
| FY2025 | $4.0B | 8.95% |
| FY2024 | $3.7B | 10.69% |
| FY2023 | $3.3B | 14.46% |
| FY2022 | $2.9B | (3.29%) |
| FY2021 | $3.0B | (8.66%) |
| FY2020 | $3.3B | (6.59%) |
| FY2019 | $3.5B | 0.65% |
| FY2018 | $3.5B | 1.27% |
| FY2017 | $3.4B | 22.84% |
| FY2016 | $2.8B | (4.69%) |
Quarterly newest first
| Period | Total debt | Change |
|---|---|---|
| Sep 2026 | $4.2B | 1.39% |
| Jun 2026 | $4.2B | 3.63% |
| Mar 2026 | $4.0B | 0.80% |
| Dec 2025 | $4.0B | 1.71% |
| 43 more quarters | Free account |
Against its own ten years
Total debt against peers
| Company | Total debt |
|---|---|
| SLM SLM Corporation compare | $5.5B |
| ECPG Encore Capital Group Inc | $4.2B |
| BFH Bread Financial Holdings, Inc. compare | $3.1B |
| WU The Western Union Company compare | $2.9B |
| AGM Federal Agricultural Mortgage Corporation compare | $2.3B |
| UPST Upstart Holdings, Inc. compare | $1.8B |
| ATLC Atlanticus Holdings Corporation compare | $699.2M |
| EZPW EZCORP, Inc. compare | $519.5M |
| JCAP Jefferson Capital, Inc. compare | — |
What Total debt is
Total Debt tells an investor how much a company has borrowed in all, whether the money is due within a year or later.
Long Term Debt (Total) + Current Part of Debt
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