Encore Capital Group (ECPG)
Buys charged-off consumer debt and recovers it through U.S. and European platforms.
$97.00
Pre-market+0.38 (+0.39%)
At close$96.62(+3.88%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 310 | 277 | 328 | 355 | 367 | 266 | 393 | 442 | 460 | 474 | 473 | 492 |
| Cost of revenue | 159 | 163 | 170 | 178 | 139 | 182 | 106 | 118 | 204 | 31 | 144 | 305 |
| Gross profit | 150 | 115 | 158 | 177 | 228 | 84 | 287 | 324 | 257 | 443 | 329 | 187 |
| 75 | 332 | 74 | 75 | 122 | 218 | 158 | 174 | 83 | 269 | 146 | 0 | |
| 36 | 37 | 36 | 37 | 39 | 52 | 41 | 41 | 39 | 44 | 0 | 39 | |
| General & administrative | 36 | 37 | 36 | 37 | 39 | 52 | 41 | 41 | 39 | 44 | 0 | 39 |
| Other expenses | 39 | 295 | 38 | 38 | 83 | 166 | 116 | 132 | 44 | 225 | 146 | −39 |
| Operating income | 76 | −217 | 84 | 102 | 106 | −134 | 129 | 151 | 173 | 173 | 183 | 187 |
| −45 | −55 | −53 | −59 | −65 | −76 | −69 | −73 | −73 | −76 | −71 | −104 | |
| Interest income | 0 | 0 | 0 | 0 | −4 | 11 | 0 | 0 | 0 | 0 | 454 | 0 |
| Interest expense | 47 | 55 | 52 | 61 | 63 | 80 | 67 | 71 | 71 | 75 | 71 | 74 |
| Other non-operating income | −2 | 4 | 1 | 2 | 2 | 11 | 2 | 2 | 3 | 0 | 1 | 30 |
| Income before tax | 30 | −272 | 30 | 43 | 41 | −210 | 60 | 78 | 100 | 98 | 112 | 83 |
| Income tax expense | 11 | −1 | 7 | 10 | 10 | 15 | 14 | 19 | 25 | 21 | 25 | 19 |
| Net income from continuing operations | 19 | −271 | 23 | 32 | 31 | −225 | 47 | 59 | 75 | 77 | 86 | 64 |
| Net income | 19 | −271 | 23 | 32 | 31 | −225 | 47 | 59 | 75 | 77 | 86 | 64 |
| EPS, basic | $0.82 | −$11.40 | $0.98 | $1.35 | $1.28 | −$9.42 | $1.96 | $2.50 | $3.22 | $3.43 | $3.97 | $2.97 |
| EPS, diluted | $0.79 | −$11.40 | $0.79 | $1.34 | $1.26 | −$9.42 | $1.93 | $2.49 | $3.17 | $3.37 | $3.86 | $2.81 |
| Weighted average shares, basic | 24 | 24 | 24 | 24 | 24 | 24 | 24 | 24 | 23 | 22 | 22 | 22 |
| Weighted average shares, diluted | 24 | 24 | 24 | 24 | 24 | 24 | 24 | 24 | 24 | 23 | 22 | 23 |
| EBITDA | 88 | −212 | 91 | 108 | 112 | −136 | 135 | 156 | 178 | 180 | 189 | 164 |
| Depreciation & amortization | 11 | 9 | 8 | 7 | 8 | 9 | 7 | 7 | 7 | 7 | 7 | 7 |
| EBIT | 77 | −221 | 83 | 100 | 104 | −145 | 128 | 149 | 170 | 173 | 182 | 157 |
