Encore Capital Group (ECPG) Financials

$29.92 +0.30 (+1.01%)

Closing price 04:00 PM Eastern

Extended Trading

$29.90 -0.02 (-0.05%)

As of 04:20 PM Eastern

Annual Income Statements for Encore Capital Group

This table shows Encore Capital Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Net Income / (Loss) Attributable to Common Shareholders	195	-206	-139
Consolidated Net Income / (Loss)	195	-206	-139
Net Income / (Loss) Continuing Operations	195	-206	-139
Total Pre-Tax Income	311	-180	-96
Total Operating Income	462	17	157
Total Gross Profit	1,023	831	893
Total Revenue	1,398	1,223	1,316
Operating Revenue	1,398	1,223	1,316
Total Cost of Revenue	375	392	423
Operating Cost of Revenue	375	392	423
Total Operating Expenses	561	815	736
Selling, General & Admin Expense	257	256	295
Depreciation Expense	46	42	32
Other Operating Expenses / (Income)	254	260	290
Impairment Charge	4.08	257	119
Total Other Income / (Expense), net	-151	-197	-254
Interest Expense	153	202	260
Other Income / (Expense), net	2.12	5.08	6.83
Income Tax Expense	116	26	43
Basic Earnings per Share	$8.06	($8.72)	($5.83)
Weighted Average Basic Shares Outstanding	24.14M	23.67M	23.87M
Diluted Earnings per Share	$7.46	($8.72)	($5.83)
Weighted Average Diluted Shares Outstanding	26.09M	23.67M	23.87M
Weighted Average Basic & Diluted Shares Outstanding	23.32M	23.55M	23.69M

This table shows Encore Capital Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Income / (Loss) Attributable to Common Shareholders	31	-73	19	26	19	-271	23	32	31	-225
Consolidated Net Income / (Loss)	31	-73	19	26	19	-271	23	32	31	-225
Net Income / (Loss) Continuing Operations	31	-73	19	26	19	-271	23	32	31	-225
Total Pre-Tax Income	42	-46	25	36	30	-272	30	43	41	-210
Total Operating Income	81	-2.31	70	88	76	-217	84	102	106	-134
Total Gross Profit	219	311	218	231	232	151	224	249	260	161
Total Revenue	308	401	322	327	327	247	328	355	367	266
Operating Revenue	308	401	322	327	327	247	328	355	367	266
Total Cost of Revenue	89	90	104	96	95	97	104	107	108	105
Operating Cost of Revenue	89	90	104	96	95	97	104	107	108	105
Total Operating Expenses	138	313	148	143	156	368	141	147	153	295
Selling, General & Admin Expense	66	69	66	61	64	66	67	68	71	90
Depreciation Expense	12	11	11	11	11	8.97	7.85	7.46	8.16	8.97
Other Operating Expenses / (Income)	61	230	72	71	81	36	66	72	75	77
Total Other Income / (Expense), net	-38	-44	-45	-52	-45	-55	-53	-59	-65	-76
Interest Expense	39	42	47	50	51	55	56	61	67	76
Other Income / (Expense), net	1.21	-1.27	1.73	-1.76	5.10	-0.00	2.67	2.05	1.58	0.54
Income Tax Expense	11	27	6.41	10	11	-0.93	7.25	10	10	15
Basic Earnings per Share	$1.31	($2.84)	$0.79	$1.11	$0.82	($11.44)	$0.98	$1.35	$1.28	($9.44)
Weighted Average Basic Shares Outstanding	23.96M	24.14M	23.55M	23.67M	23.71M	23.67M	23.78M	23.88M	23.91M	23.87M
Diluted Earnings per Share	$1.22	($2.45)	$0.75	$1.08	$0.79	($11.34)	$0.95	$1.34	$1.26	($9.38)
Weighted Average Diluted Shares Outstanding	25.92M	26.09M	24.94M	24.28M	24.38M	23.67M	24.47M	24.10M	24.41M	23.87M
Weighted Average Basic & Diluted Shares Outstanding	23.39M	23.32M	23.48M	23.49M	23.53M	23.55M	23.69M	23.69M	23.69M	23.69M

This table details how cash moves in and out of Encore Capital Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Net Change in Cash & Equivalents	-27	19	34
Net Cash From Operating Activities	211	153	156
Net Cash From Continuing Operating Activities	211	153	156
Net Income / (Loss) Continuing Operations	195	-206	-139
Consolidated Net Income / (Loss)	195	-206	-139
Depreciation Expense	46	42	32
Non-Cash Adjustments To Reconcile Net Income	-58	370	239
Changes in Operating Assets and Liabilities, net	27	-53	24
Net Cash From Investing Activities	-130	-402	-440
Net Cash From Continuing Investing Activities	-130	-402	-440
Purchase of Property, Plant & Equipment	-37	-25	-29
Purchase of Investments	-791	-1,060	-1,336
Sale of Property, Plant & Equipment	28	53	56
Other Investing Activities, net	670	630	869
Net Cash From Financing Activities	-107	268	318
Net Cash From Continuing Financing Activities	-107	268	318
Repayment of Debt	-800	-1,262	-2,674
Repurchase of Common Equity	-87	0.00	0.00
Issuance of Debt	780	1,530	3,031
Other Financing Activities, net	0.00	0.00	-40
Cash Interest Paid	131	164	211
Cash Income Taxes Paid	71	69	67

This table details how cash moves in and out of Encore Capital Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Change in Cash & Equivalents	-4.53	-0.51	16	23	-35	15	16	78	-6.90	-54
Net Cash From Operating Activities	56	56	36	27	54	37	51	36	46	24
Net Cash From Continuing Operating Activities	56	56	36	27	54	37	51	36	46	24
Net Income / (Loss) Continuing Operations	31	-73	19	26	19	-271	23	32	31	-225
Consolidated Net Income / (Loss)	31	-73	19	26	19	-271	23	32	31	-225
Depreciation Expense	12	11	11	11	11	8.97	7.85	7.46	8.16	8.97
Non-Cash Adjustments To Reconcile Net Income	20	97	18	11	24	317	19	3.10	-4.50	221
Changes in Operating Assets and Liabilities, net	-6.91	20	-12	-22	-0.97	-18	0.40	-7.03	12	19
Net Cash From Investing Activities	-76	-90	-131	-84	-56	-131	-91	-41	-44	-265
Net Cash From Continuing Investing Activities	-76	-90	-131	-84	-56	-131	-91	-41	-44	-265
Purchase of Property, Plant & Equipment	-9.13	-16	-4.89	-4.62	-7.26	-8.04	-6.86	-7.39	-6.20	-8.56
Purchase of Investments	-231	-222	-275	-270	-227	-288	-291	-276	-278	-492
Other Investing Activities, net	164	120	149	191	178	112	207	242	240	179
Net Cash From Financing Activities	15	33	110	80	-32	109	56	84	-9.01	187
Net Cash From Continuing Financing Activities	15	33	110	80	-32	109	56	84	-9.01	187
Repayment of Debt	-150	-99	-359	-135	-219	-548	-693	-561	-74	-1,345
Issuance of Debt	190	142	459	216	185	670	749	645	65	1,573
Other Financing Activities, net	-	-	10	-	2.37	-12	0.00	-	-	-40
Cash Interest Paid	30	37	38	41	41	44	46	34	58	72
Cash Income Taxes Paid	19	7.57	0.91	36	14	18	1.54	41	19	5.84

This table presents Encore Capital Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Total Assets	4,508	4,630	4,790
Total Current Assets	144	158	200
Cash & Equivalents	144	158	200
Plant, Property, & Equipment, net	114	104	81
Total Noncurrent Assets	4,251	4,368	4,509
Noncurrent Note & Lease Receivables	3,088	3,468	3,776
Goodwill	821	606	508
Other Noncurrent Operating Assets	341	293	225
Total Liabilities & Shareholders' Equity	4,508	4,630	4,790
Total Liabilities	3,329	3,694	4,022
Total Current Liabilities	198	190	234
Accounts Payable	198	190	234
Total Noncurrent Liabilities	3,131	3,504	3,789
Long-Term Debt	2,899	3,318	3,673
Other Noncurrent Operating Liabilities	232	186	116
Commitments & Contingencies	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	1,180	937	767
Total Preferred & Common Equity	1,180	937	767
Preferred Stock	0.00	0.00	0.00
Total Common Equity	1,180	937	767
Common Stock	0.23	11	20
Retained Earnings	1,278	1,049	910
Accumulated Other Comprehensive Income / (Loss)	-99	-124	-162

This table presents Encore Capital Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024
Total Assets	4,328	4,686	4,877	4,760	4,687	4,817	4,994
Total Current Assets	147	159	185	145	173	251	247
Cash & Equivalents	147	159	185	145	173	251	247
Plant, Property, & Equipment, net	104	110	107	102	103	102	104
Total Noncurrent Assets	4,077	4,417	4,584	4,513	4,411	4,464	4,643
Noncurrent Note & Lease Receivables	2,976	3,215	3,331	3,321	3,531	3,583	3,719
Goodwill	770	834	852	826	602	603	628
Other Noncurrent Operating Assets	331	368	401	367	278	278	295
Total Liabilities & Shareholders' Equity	4,328	4,686	4,877	4,760	4,687	4,817	4,994
Total Liabilities	3,135	3,502	3,643	3,562	3,733	3,829	3,946
Total Current Liabilities	197	180	203	191	180	198	223
Accounts Payable	197	180	203	191	180	198	223
Total Noncurrent Liabilities	2,937	3,322	3,440	3,371	3,553	3,631	3,723
Long-Term Debt	2,690	3,082	3,203	3,114	3,364	3,455	3,551
Other Noncurrent Operating Liabilities	247	240	236	257	189	176	172
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	1,193	1,184	1,234	1,199	954	988	1,048
Total Preferred & Common Equity	1,193	1,184	1,234	1,199	954	988	1,048
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	1,193	1,184	1,234	1,199	954	988	1,048
Common Stock	0.24	0.24	4.14	8.34	8.89	13	17
Retained Earnings	1,358	1,274	1,301	1,320	1,072	1,105	1,135
Accumulated Other Comprehensive Income / (Loss)	-166	-90	-71	-129	-127	-130	-104

This table displays calculated financial ratios and metrics derived from Encore Capital Group's official financial filings.

Metric	2022	2023	2024
Growth Metrics	-	-	-
Revenue Growth	-13.39%	-12.56%	7.66%
EBITDA Growth	-23.27%	-87.60%	210.33%
EBIT Growth	-24.56%	-95.35%	659.55%
NOPAT Growth	-43.25%	-96.00%	851.50%
Net Income Growth	-44.60%	-206.13%	32.57%
EPS Growth	-33.75%	-216.89%	33.14%
Operating Cash Flow Growth	-30.48%	-27.38%	2.08%
Free Cash Flow Firm Growth	-58.08%	-143.19%	77.42%
Invested Capital Growth	-1.46%	4.11%	3.52%
Revenue Q/Q Growth	3.24%	-11.18%	-4.65%
EBITDA Q/Q Growth	-20.03%	-77.32%	73.90%
EBIT Q/Q Growth	-21.45%	-90.81%	103.63%
NOPAT Q/Q Growth	-36.82%	125.74%	111.67%
Net Income Q/Q Growth	-43.40%	-2,233.77%	24.61%
EPS Q/Q Growth	-40.18%	-5,229.41%	25.16%
Operating Cash Flow Q/Q Growth	-14.34%	-11.06%	-7.81%
Free Cash Flow Firm Q/Q Growth	-54.17%	68.54%	74.14%
Invested Capital Q/Q Growth	5.31%	-1.73%	-2.55%
Profitability Metrics	-	-	-
Gross Margin	73.17%	67.98%	67.87%
EBITDA Margin	36.52%	5.18%	14.93%
Operating Margin	33.05%	1.35%	11.95%
EBIT Margin	33.20%	1.77%	12.47%
Profit (Net Income) Margin	13.91%	-16.89%	-10.58%
Tax Burden Percent	62.56%	114.55%	144.72%
Interest Burden Percent	66.98%	-834.05%	-58.61%
Effective Tax Rate	37.44%	0.00%	0.00%
Return on Invested Capital (ROIC)	7.29%	0.29%	2.64%
ROIC Less NNEP Spread (ROIC-NNEP)	3.89%	-7.09%	-4.88%
Return on Net Nonoperating Assets (RNNOA)	9.16%	-19.80%	-18.99%
Return on Equity (ROE)	16.45%	-19.52%	-16.34%
Cash Return on Invested Capital (CROIC)	8.77%	-3.74%	-0.81%
Operating Return on Assets (OROA)	10.19%	0.47%	3.49%
Return on Assets (ROA)	4.27%	-4.52%	-2.96%
Return on Common Equity (ROCE)	16.45%	-19.52%	-16.34%
Return on Equity Simple (ROE_SIMPLE)	16.49%	-22.05%	-18.15%
Net Operating Profit after Tax (NOPAT)	289	12	110
NOPAT Margin	20.68%	0.95%	8.37%
Net Nonoperating Expense Percent (NNEP)	3.40%	7.37%	7.52%
Return On Investment Capital (ROIC_SIMPLE)	7.09%	0.27%	2.48%
Cost of Revenue to Revenue	26.83%	32.02%	32.13%
SG&A Expenses to Revenue	18.38%	20.94%	22.38%
R&D to Revenue	0.00%	0.00%	0.00%
Operating Expenses to Revenue	40.12%	66.63%	55.92%
Earnings before Interest and Taxes (EBIT)	464	22	164
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	511	63	197
Valuation Ratios	-	-	-
Price to Book Value (P/BV)	0.95	1.28	1.47
Price to Tangible Book Value (P/TBV)	3.13	3.62	4.36
Price to Revenue (P/Rev)	0.80	0.98	0.86
Price to Earnings (P/E)	5.76	0.00	0.00
Dividend Yield	0.00%	0.00%	0.00%
Earnings Yield	17.35%	0.00%	0.00%
Enterprise Value to Invested Capital (EV/IC)	0.99	1.06	1.09
Enterprise Value to Revenue (EV/Rev)	2.77	3.56	3.50
Enterprise Value to EBITDA (EV/EBITDA)	7.59	68.73	23.42
Enterprise Value to EBIT (EV/EBIT)	8.35	201.44	28.05
Enterprise Value to NOPAT (EV/NOPAT)	13.40	376.15	41.81
Enterprise Value to Operating Cash Flow (EV/OCF)	18.40	28.46	29.49
Enterprise Value to Free Cash Flow (EV/FCFF)	11.15	0.00	0.00
Leverage & Solvency	-	-	-
Debt to Equity	2.46	3.54	4.79
Long-Term Debt to Equity	2.46	3.54	4.79
Financial Leverage	2.35	2.80	3.89
Leverage Ratio	3.85	4.32	5.53
Compound Leverage Factor	2.58	-36.02	-3.24
Debt to Total Capital	71.08%	77.99%	82.72%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	71.08%	77.99%	82.72%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%
Common Equity to Total Capital	28.92%	22.01%	17.28%
Debt to EBITDA	5.68	52.38	18.68
Net Debt to EBITDA	5.39	49.88	17.67
Long-Term Debt to EBITDA	5.68	52.38	18.68
Debt to NOPAT	10.03	286.67	33.35
Net Debt to NOPAT	9.53	272.99	31.53
Long-Term Debt to NOPAT	10.03	286.67	33.35
Altman Z-Score	1.23	0.78	0.81
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-
Current Ratio	0.73	0.83	0.86
Quick Ratio	0.73	0.83	0.86
Cash Flow Metrics	-	-	-
Free Cash Flow to Firm (FCFF)	348	-150	-34
Operating Cash Flow to CapEx	2,217.23%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	2.27	-0.74	-0.13
Operating Cash Flow to Interest Expense	1.37	0.76	0.60
Operating Cash Flow Less CapEx to Interest Expense	1.31	0.90	0.71
Efficiency Ratios	-	-	-
Asset Turnover	0.31	0.27	0.28
Accounts Receivable Turnover	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00
Fixed Asset Turnover	11.96	11.22	14.27
Accounts Payable Turnover	1.75	2.02	2.00
Days Sales Outstanding (DSO)	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00
Days Payable Outstanding (DPO)	208.12	180.92	182.74
Cash Conversion Cycle (CCC)	-208.12	-180.92	-182.74
Capital & Investment Metrics	-	-	-
Invested Capital	3,935	4,096	4,240
Invested Capital Turnover	0.35	0.30	0.32
Increase / (Decrease) in Invested Capital	-58	162	144
Enterprise Value (EV)	3,876	4,354	4,605
Market Capitalization	1,121	1,194	1,132
Book Value per Share	$50.44	$39.80	$32.39
Tangible Book Value per Share	$15.33	$14.03	$10.95
Total Capital	4,078	4,255	4,440
Total Debt	2,899	3,318	3,673
Total Long-Term Debt	2,899	3,318	3,673
Net Debt	2,755	3,160	3,473
Capital Expenditures (CapEx)	9.50	-28	-27
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-198	-190	-234
Debt-free Net Working Capital (DFNWC)	-54	-32	-34
Net Working Capital (NWC)	-54	-32	-34
Net Nonoperating Expense (NNE)	95	218	249
Net Nonoperating Obligations (NNO)	2,755	3,160	3,473
Total Depreciation and Amortization (D&A)	46	42	32
Debt-free, Cash-free Net Working Capital to Revenue	-14.18%	-15.53%	-17.74%
Debt-free Net Working Capital to Revenue	-3.88%	-2.58%	-2.56%
Net Working Capital to Revenue	-3.88%	-2.58%	-2.56%
Earnings Adjustments	-	-	-
Adjusted Basic Earnings per Share	$8.06	($8.72)	($5.83)
Adjusted Weighted Average Basic Shares Outstanding	24.14M	23.67M	23.87M
Adjusted Diluted Earnings per Share	$7.46	($8.72)	($5.83)
Adjusted Weighted Average Diluted Shares Outstanding	26.09M	23.67M	23.87M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	23.32M	23.55M	23.69M
Normalized Net Operating Profit after Tax (NOPAT)	292	191	194
Normalized NOPAT Margin	20.86%	15.66%	14.70%
Pre Tax Income Margin	22.24%	-14.74%	-7.31%
Debt Service Ratios	-	-	-
EBIT to Interest Expense	3.03	0.11	0.63
NOPAT to Interest Expense	1.89	0.06	0.42
EBIT Less CapEx to Interest Expense	2.97	0.24	0.74
NOPAT Less CapEx to Interest Expense	1.82	0.20	0.53
Payout Ratios	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%
Augmented Payout Ratio	44.72%	0.00%	0.00%

This table displays calculated financial ratios and metrics derived from Encore Capital Group's official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-25.42%	12.29%	-3.11%	-8.51%	6.15%	-38.35%	1.94%	8.81%	12.36%	7.39%
EBITDA Growth	-42.81%	-94.31%	-70.16%	-26.72%	-1.67%	-2,800.38%	13.74%	14.77%	26.15%	40.12%
EBIT Growth	-45.21%	-102.90%	-72.92%	-28.51%	-1.35%	-5,977.08%	20.02%	20.35%	33.55%	38.47%
NOPAT Growth	-53.52%	-101.46%	-74.14%	-25.77%	-18.75%	-9,322.69%	22.09%	20.91%	64.17%	38.22%
Net Income Growth	-62.31%	-196.10%	-89.40%	-56.48%	-38.59%	-270.31%	24.77%	22.34%	58.45%	16.79%
EPS Growth	-54.14%	-195.70%	-88.28%	-52.84%	-35.25%	-362.86%	26.67%	24.07%	59.49%	17.28%
Operating Cash Flow Growth	-10.60%	-38.72%	-34.14%	-39.30%	-4.89%	-34.09%	41.97%	33.71%	-14.30%	-35.99%
Free Cash Flow Firm Growth	19.68%	-86.80%	-108.13%	-185.86%	-206.40%	-652.32%	174.66%	142.99%	73.06%	24.15%
Invested Capital Growth	-7.45%	-1.46%	2.16%	9.87%	11.57%	4.11%	0.92%	-1.41%	4.39%	3.52%
Revenue Q/Q Growth	-13.77%	30.37%	-19.71%	1.37%	0.05%	-24.29%	-0.45%	8.19%	3.32%	-27.64%
EBITDA Q/Q Growth	-29.46%	-91.74%	973.01%	17.26%	-5.36%	-326.78%	145.19%	18.32%	4.02%	-207.65%
EBIT Q/Q Growth	-32.32%	-104.37%	2,110.91%	20.10%	-6.60%	-369.40%	139.71%	20.44%	3.64%	-224.13%
NOPAT Q/Q Growth	-30.40%	-102.70%	3,334.12%	22.19%	-23.81%	-412.96%	141.90%	21.01%	3.45%	-217.78%
Net Income Q/Q Growth	-47.89%	-332.16%	125.47%	41.23%	-26.48%	-1,500.08%	108.58%	38.48%	-4.78%	-835.26%
EPS Q/Q Growth	-46.72%	-300.82%	130.61%	44.00%	-26.85%	-1,535.44%	108.38%	41.05%	-5.97%	-844.44%
Operating Cash Flow Q/Q Growth	28.06%	-0.96%	-35.65%	-25.63%	100.63%	-31.37%	38.62%	-29.95%	28.60%	-48.74%
Free Cash Flow Firm Q/Q Growth	-2.76%	-84.24%	-161.26%	-814.84%	-20.50%	18.21%	108.28%	426.79%	-175.50%	-130.30%
Invested Capital Q/Q Growth	-3.47%	5.31%	4.39%	3.54%	-1.98%	-1.73%	1.19%	1.15%	3.79%	-2.55%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
Gross Margin	71.00%	77.55%	67.76%	70.64%	70.90%	60.88%	68.27%	69.99%	70.71%	60.61%
EBITDA Margin	30.34%	1.92%	25.69%	29.71%	28.11%	-84.19%	28.66%	31.34%	31.55%	-46.94%
Operating Margin	26.16%	-0.57%	21.77%	26.97%	23.12%	-87.81%	25.46%	28.66%	28.90%	-50.52%
EBIT Margin	26.55%	-0.89%	22.31%	26.43%	24.68%	-87.81%	26.27%	29.24%	29.33%	-50.32%
Profit (Net Income) Margin	10.23%	-18.22%	5.78%	8.06%	5.92%	-109.47%	7.08%	9.06%	8.35%	-84.82%
Tax Burden Percent	74.25%	159.34%	74.40%	72.40%	64.33%	99.66%	76.21%	75.70%	75.18%	107.30%
Interest Burden Percent	51.90%	1,283.91%	34.83%	42.09%	37.29%	125.09%	35.35%	40.92%	37.86%	157.11%
Effective Tax Rate	25.75%	0.00%	25.60%	27.60%	35.67%	0.00%	23.79%	24.30%	24.82%	0.00%
Return on Invested Capital (ROIC)	6.77%	-0.14%	5.53%	6.53%	5.18%	-18.72%	6.17%	6.89%	7.04%	-11.17%
ROIC Less NNEP Spread (ROIC-NNEP)	5.68%	-2.71%	4.36%	5.20%	4.12%	-22.73%	4.84%	5.44%	5.48%	-15.13%
Return on Net Nonoperating Assets (RNNOA)	11.35%	-6.38%	10.21%	11.94%	9.49%	-63.54%	13.85%	15.25%	15.29%	-58.89%
Return on Equity (ROE)	18.12%	-6.52%	15.74%	18.47%	14.67%	-82.25%	20.01%	22.13%	22.33%	-70.06%
Cash Return on Invested Capital (CROIC)	19.51%	8.77%	0.20%	-9.08%	-12.07%	-3.74%	-0.41%	2.14%	-3.08%	-0.81%
Operating Return on Assets (OROA)	8.10%	-0.27%	6.66%	7.69%	7.48%	-23.50%	7.35%	8.09%	8.30%	-14.06%
Return on Assets (ROA)	3.12%	-5.59%	1.73%	2.34%	1.79%	-29.29%	1.98%	2.50%	2.36%	-23.71%
Return on Common Equity (ROCE)	18.12%	-6.52%	15.74%	18.47%	14.67%	-82.25%	20.01%	22.13%	22.33%	-70.06%
Return on Equity Simple (ROE_SIMPLE)	28.82%	0.00%	3.16%	0.27%	-0.74%	0.00%	-21.16%	-19.84%	-17.62%	0.00%
Net Operating Profit after Tax (NOPAT)	60	-1.61	52	64	49	-152	64	77	80	-94
NOPAT Margin	19.43%	-0.40%	16.20%	19.53%	14.87%	-61.47%	19.40%	21.70%	21.73%	-35.36%
Net Nonoperating Expense Percent (NNEP)	1.09%	2.57%	1.18%	1.32%	1.06%	4.01%	1.32%	1.44%	1.57%	3.96%
Return On Investment Capital (ROIC_SIMPLE)	-	-0.04%	-	-	-	-3.57%	-	-	-	-2.12%
Cost of Revenue to Revenue	29.00%	22.45%	32.24%	29.36%	29.10%	39.12%	31.73%	30.01%	29.29%	39.39%
SG&A Expenses to Revenue	21.30%	17.08%	20.34%	18.64%	19.44%	26.73%	20.28%	19.03%	19.24%	33.81%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	44.84%	78.13%	45.99%	43.67%	47.78%	148.69%	42.82%	41.33%	41.81%	111.13%
Earnings before Interest and Taxes (EBIT)	82	-3.57	72	86	81	-217	86	104	108	-134
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	93	7.71	83	97	92	-208	94	111	116	-125
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.91	0.95	0.99	0.93	0.94	1.28	1.13	1.00	1.07	1.47
Price to Tangible Book Value (P/TBV)	2.57	3.13	3.36	2.99	3.01	3.62	3.05	2.57	2.67	4.36
Price to Revenue (P/Rev)	0.80	0.80	0.85	0.84	0.81	0.98	0.82	0.74	0.81	0.86
Price to Earnings (P/E)	3.16	5.76	31.43	345.23	0.00	0.00	0.00	0.00	0.00	0.00
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	31.65%	17.35%	3.18%	0.29%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Enterprise Value to Invested Capital (EV/IC)	0.97	0.99	1.00	0.98	0.98	1.06	1.03	1.00	1.02	1.09
Enterprise Value to Revenue (EV/Rev)	2.68	2.77	2.95	3.06	2.97	3.56	3.25	3.13	3.20	3.50
Enterprise Value to EBITDA (EV/EBITDA)	5.68	7.59	12.96	14.81	14.65	68.73	57.07	47.09	39.12	23.42
Enterprise Value to EBIT (EV/EBIT)	6.14	8.35	15.14	17.60	17.39	201.44	118.45	78.27	54.87	28.05
Enterprise Value to NOPAT (EV/NOPAT)	7.93	13.40	43.12	308.07	0.00	376.15	203.14	136.90	85.01	41.81
Enterprise Value to Operating Cash Flow (EV/OCF)	14.76	18.40	21.35	23.80	23.78	28.46	25.37	23.68	26.11	29.49
Enterprise Value to Free Cash Flow (EV/FCFF)	4.79	11.15	505.56	0.00	0.00	0.00	0.00	46.39	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	2.26	2.46	2.60	2.60	2.60	3.54	3.53	3.50	3.39	4.79
Long-Term Debt to Equity	2.26	2.46	2.60	2.60	2.60	3.54	3.53	3.50	3.39	4.79
Financial Leverage	2.00	2.35	2.34	2.29	2.30	2.80	2.86	2.80	2.79	3.89
Leverage Ratio	3.43	3.85	3.83	3.79	3.80	4.32	4.38	4.36	4.34	5.53
Compound Leverage Factor	1.78	49.49	1.33	1.59	1.42	5.40	1.55	1.79	1.64	8.69
Debt to Total Capital	69.28%	71.08%	72.24%	72.19%	72.21%	77.99%	77.91%	77.76%	77.21%	82.72%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	69.28%	71.08%	72.24%	72.19%	72.21%	77.99%	77.91%	77.76%	77.21%	82.72%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	30.72%	28.92%	27.76%	27.81%	27.79%	22.01%	22.09%	22.24%	22.79%	17.28%
Debt to EBITDA	4.21	5.68	9.75	11.41	11.15	52.38	45.02	38.80	31.41	18.68
Net Debt to EBITDA	3.98	5.39	9.24	10.75	10.63	49.88	42.71	35.99	29.22	17.67
Long-Term Debt to EBITDA	4.21	5.68	9.75	11.41	11.15	52.38	45.02	38.80	31.41	18.68
Debt to NOPAT	5.88	10.03	32.41	237.21	-69.27	286.67	160.26	112.81	68.24	33.35
Net Debt to NOPAT	5.56	9.53	30.74	223.52	-66.05	272.99	152.02	104.63	63.49	31.53
Long-Term Debt to NOPAT	5.88	10.03	32.41	237.21	-69.27	286.67	160.26	112.81	68.24	33.35
Altman Z-Score	1.01	0.89	0.92	0.89	0.91	0.61	0.83	0.84	0.84	0.61
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Current Ratio	0.74	0.73	0.88	0.91	0.76	0.83	0.96	1.27	1.11	0.86
Quick Ratio	0.74	0.73	0.88	0.91	0.76	0.83	0.96	1.27	1.11	0.86
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	360	57	-35	-318	-384	-314	26	137	-103	-238
Operating Cash Flow to CapEx	617.08%	345.41%	735.17%	578.39%	737.92%	457.35%	743.10%	483.26%	740.76%	275.18%
Free Cash Flow to Firm to Interest Expense	9.17	1.34	-0.74	-6.37	-7.59	-5.76	0.47	2.23	-1.54	-3.12
Operating Cash Flow to Interest Expense	1.43	1.32	0.77	0.53	1.06	0.67	0.91	0.58	0.69	0.31
Operating Cash Flow Less CapEx to Interest Expense	1.20	0.94	0.66	0.44	0.92	0.53	0.79	0.46	0.59	0.20
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.31	0.31	0.30	0.29	0.30	0.27	0.28	0.28	0.28	0.28
Accounts Receivable Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	12.03	11.96	12.29	12.52	13.35	11.22	12.32	12.79	13.42	14.27
Accounts Payable Turnover	1.85	1.75	1.86	1.88	1.98	2.02	2.18	2.01	2.01	2.00
Days Sales Outstanding (DSO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	197.14	208.12	195.77	194.64	184.06	180.92	167.74	181.59	181.81	182.74
Cash Conversion Cycle (CCC)	-197.14	-208.12	-195.77	-194.64	-184.06	-180.92	-167.74	-181.59	-181.81	-182.74
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	3,736	3,935	4,107	4,252	4,168	4,096	4,145	4,193	4,351	4,240
Invested Capital Turnover	0.35	0.35	0.34	0.33	0.35	0.30	0.32	0.32	0.32	0.32
Increase / (Decrease) in Invested Capital	-301	-58	87	382	432	162	38	-60	183	144
Enterprise Value (EV)	3,629	3,876	4,100	4,160	4,091	4,354	4,264	4,193	4,423	4,605
Market Capitalization	1,086	1,121	1,177	1,142	1,122	1,194	1,073	988	1,120	1,132
Book Value per Share	$49.95	$50.44	$50.77	$52.54	$51.04	$39.80	$40.11	$41.72	$44.24	$32.39
Tangible Book Value per Share	$17.73	$15.33	$15.01	$16.25	$15.87	$14.03	$14.78	$16.27	$17.73	$10.95
Total Capital	3,883	4,078	4,266	4,437	4,313	4,255	4,318	4,443	4,599	4,440
Total Debt	2,690	2,899	3,082	3,203	3,114	3,318	3,364	3,455	3,551	3,673
Total Long-Term Debt	2,690	2,899	3,082	3,203	3,114	3,318	3,364	3,455	3,551	3,673
Net Debt	2,543	2,755	2,923	3,019	2,969	3,160	3,191	3,205	3,303	3,473
Capital Expenditures (CapEx)	9.13	16	4.89	4.62	7.26	8.04	6.86	7.39	6.20	8.56
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-197	-198	-180	-203	-191	-190	-180	-198	-223	-234
Debt-free Net Working Capital (DFNWC)	-50	-54	-21	-18	-46	-32	-7.22	53	25	-34
Net Working Capital (NWC)	-50	-54	-21	-18	-46	-32	-7.22	53	25	-34
Net Nonoperating Expense (NNE)	28	72	34	37	29	119	40	45	49	131
Net Nonoperating Obligations (NNO)	2,543	2,755	2,923	3,019	2,969	3,160	3,191	3,205	3,303	3,473
Total Depreciation and Amortization (D&A)	12	11	11	11	11	8.97	7.85	7.46	8.16	8.97
Debt-free, Cash-free Net Working Capital to Revenue	-14.58%	-14.18%	-12.97%	-14.96%	-13.85%	-15.53%	-13.74%	-14.74%	-16.14%	-17.74%
Debt-free Net Working Capital to Revenue	-3.72%	-3.88%	-1.53%	-1.34%	-3.34%	-2.58%	-0.55%	3.96%	1.78%	-2.56%
Net Working Capital to Revenue	-3.72%	-3.88%	-1.53%	-1.34%	-3.34%	-2.58%	-0.55%	3.96%	1.78%	-2.56%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.31	($2.84)	$0.79	$1.11	$0.82	($11.44)	$0.98	$1.35	$1.28	($9.44)
Adjusted Weighted Average Basic Shares Outstanding	23.96M	24.14M	23.55M	23.67M	23.71M	23.67M	23.78M	23.88M	23.91M	23.87M
Adjusted Diluted Earnings per Share	$1.22	($2.45)	$0.75	$1.08	$0.79	($11.34)	$0.95	$1.34	$1.26	($9.38)
Adjusted Weighted Average Diluted Shares Outstanding	25.92M	26.09M	24.94M	24.28M	24.38M	23.67M	24.47M	24.10M	24.41M	23.87M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	23.39M	23.32M	23.48M	23.49M	23.53M	23.55M	23.69M	23.69M	23.69M	23.69M
Normalized Net Operating Profit after Tax (NOPAT)	60	-1.61	52	64	49	-152	64	77	80	-94
Normalized NOPAT Margin	19.43%	-0.40%	16.20%	19.53%	14.87%	-61.47%	19.40%	21.70%	21.73%	-35.36%
Pre Tax Income Margin	13.78%	-11.44%	7.77%	11.13%	9.20%	-109.85%	9.29%	11.97%	11.10%	-79.05%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	2.08	-0.08	1.53	1.73	1.59	-3.99	1.55	1.69	1.61	-1.75
NOPAT to Interest Expense	1.52	-0.04	1.11	1.28	0.96	-2.79	1.14	1.26	1.19	-1.23
EBIT Less CapEx to Interest Expense	1.85	-0.47	1.43	1.63	1.45	-4.13	1.42	1.57	1.52	-1.86
NOPAT Less CapEx to Interest Expense	1.29	-0.42	1.01	1.18	0.82	-2.94	1.02	1.14	1.10	-1.34
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	110.32%	44.72%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Frequently Asked Questions About Encore Capital Group's Financials

When does Encore Capital Group's fiscal year end?

According to the most recent income statement we have on file, Encore Capital Group's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Encore Capital Group's net income changed over the last 2 years?

Encore Capital Group's net income appears to be on an upward trend, with a most recent value of -$139.24 million in 2024, falling from $194.56 million in 2022. The previous period was -$206.49 million in 2023.

What is Encore Capital Group's operating income?

Encore Capital Group's total operating income in 2024 was $157.33 million, based on the following breakdown:

Total Gross Profit: $893.45 million
Total Operating Expenses: $736.12 million

How has Encore Capital Group revenue changed over the last 2 years?

Over the last 2 years, Encore Capital Group's total revenue changed from $1.40 billion in 2022 to $1.32 billion in 2024, a change of -5.9%.

How much debt does Encore Capital Group have?

Encore Capital Group's total liabilities were at $4.02 billion at the end of 2024, a 8.9% increase from 2023, and a 20.8% increase since 2022.

How much cash does Encore Capital Group have?

In the past 2 years, Encore Capital Group's cash and equivalents has ranged from $143.91 million in 2022 to $199.87 million in 2024, and is currently $199.87 million as of their latest financial filing in 2024.

How has Encore Capital Group's book value per share changed over the last 2 years?

Over the last 2 years, Encore Capital Group's book value per share changed from 50.44 in 2022 to 32.39 in 2024, a change of -35.8%.

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This page (NASDAQ:ECPG) was last updated on 4/15/2025 by MarketBeat.com Staff

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Encore Capital Group (ECPG) Financials

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Encore Capital Group (ECPG) Financials

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