Encore Capital Group Inc (ECPG) stock
ECPGNasdaqShort-Term Business Credit InstitutionsFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 4, 2026Score 11/3027% below fair value
$109.49−0.37 (-0.34%)
Close on Nov 13, 2026Market cap $2.32BP/E 7.0Yield –
Encore Capital profit margin
Profit margin (net margin) is net income as a percentage of revenue.
Encore Capital's profit margin for the twelve months ending Sep 30, 2026 was 17.7%. For fiscal 2025 it was 14.5%, against -10.6% the year before. The highest annual figure on record is 21.7% in fiscal 2021.
Annual profit margin
| Period | Period end | Value | Change (pts) |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 14.5% | +25.1 |
| FY2024 | Dec 31, 2024 | -10.6% | +6.3 |
| FY2023 | Dec 31, 2023 | -16.9% | −30.8 |
| FY2022 | Dec 31, 2022 | 13.9% | −7.8 |
| FY2021 | Dec 31, 2021 | 21.7% | +7.6 |
| FY2020 | Dec 31, 2020 | 14.1% | +2.2 |
| FY2019 | Dec 31, 2019 | 11.9% | +3.2 |
| FY2018 | Dec 31, 2018 | 8.8% | +1.5 |
| FY2017 | Dec 31, 2017 | 7.3% | +0.4 |
| FY2016 | Dec 31, 2016 | 6.9% | +2.9 |
| FY2015 | Dec 31, 2015 | 4.0% | −5.9 |
| FY2014 | Dec 31, 2014 | 9.9% | +0.2 |
| FY2013 | Dec 31, 2013 | 9.7% | −2.7 |
| FY2012 | Dec 31, 2012 | 12.5% | −1.1 |
| FY2011 | Dec 31, 2011 | 13.6% | +0.1 |
| FY2010 | Dec 31, 2010 | 13.5% | +3.0 |
| FY2009 | Dec 31, 2009 | 10.4% | – |
Quarterly profit margin
Change is against the same quarter a year earlier.
| Period | Period end | Value | Change (pts) |
|---|---|---|---|
| Q3 FY2026 | Sep 30, 2026 | 22.8% | +6.6 |
| Q2 FY2026 | Jun 30, 2026 | 13.0% | −0.3 |
| Q1 FY2026 | Mar 31, 2026 | 18.1% | +6.2 |
| Q4 FY2025 | Dec 31, 2025 | 16.2% | +101.0 |
| Q3 FY2025 | Sep 30, 2025 | 16.2% | +7.9 |
| Q2 FY2025 | Jun 30, 2025 | 13.3% | +4.2 |
| Q1 FY2025 | Mar 31, 2025 | 11.9% | +4.8 |
| Q4 FY2024 | Dec 31, 2024 | -84.8% | +12.8 |
| Q3 FY2024 | Sep 30, 2024 | 8.3% | +2.1 |
| Q2 FY2024 | Jun 30, 2024 | 9.1% | +0.9 |
| Q1 FY2024 | Mar 31, 2024 | 7.1% | +1.1 |
| Q4 FY2023 | Dec 31, 2023 | -97.6% | −66.4 |
| Q3 FY2023 | Sep 30, 2023 | 6.2% | −4.0 |
| Q2 FY2023 | Jun 30, 2023 | 8.1% | −8.8 |
| Q1 FY2023 | Mar 31, 2023 | 6.0% | −29.2 |
| Q4 FY2022 | Dec 31, 2022 | -31.2% | −52.5 |
| Q3 FY2022 | Sep 30, 2022 | 10.2% | −10.0 |
| Q2 FY2022 | Jun 30, 2022 | 16.9% | −5.6 |
| Q1 FY2022 | Mar 31, 2022 | 35.2% | +12.5 |
| Q4 FY2021 | Dec 31, 2021 | 21.3% | +11.5 |
| Q3 FY2021 | Sep 30, 2021 | 20.3% | +6.7 |
| Q2 FY2021 | Jun 30, 2021 | 22.6% | −8.0 |
| Q1 FY2021 | Mar 31, 2021 | 22.7% | +26.3 |
| Q4 FY2020 | Dec 31, 2020 | 9.8% | −2.6 |
| Q3 FY2020 | Sep 30, 2020 | 13.5% | +2.4 |
| Q2 FY2020 | Jun 30, 2020 | 30.6% | +20.0 |
| Q1 FY2020 | Mar 31, 2020 | -3.6% | −17.9 |
| Q4 FY2019 | Dec 31, 2019 | 12.4% | −1.1 |
| Q3 FY2019 | Sep 30, 2019 | 11.2% | +5.0 |
| Q2 FY2019 | Jun 30, 2019 | 10.6% | +3.1 |
| Q1 FY2019 | Mar 31, 2019 | 14.2% | +7.6 |
| Q4 FY2018 | Dec 31, 2018 | 13.5% | +9.5 |
| Q3 FY2018 | Sep 30, 2018 | 6.2% | −3.0 |
| Q2 FY2018 | Jun 30, 2018 | 7.5% | +0.6 |
| Q1 FY2018 | Mar 31, 2018 | 6.7% | −1.4 |
| Q4 FY2017 | Dec 31, 2017 | 4.0% | −4.4 |
| Q3 FY2017 | Sep 30, 2017 | 9.2% | – |
| Q2 FY2017 | Jun 30, 2017 | 7.0% | – |
| Q1 FY2017 | Mar 31, 2017 | 8.1% | – |
| Q4 FY2016 | Dec 31, 2016 | 8.4% | – |
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