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 10/3025% below fair value
$112.35+4.33 (+4.01%)
Close on Nov 11, 2026Market cap $2.38BP/E 7.2Yield –
Encore Capital operating margin
Operating margin is operating income as a percentage of revenue.
Encore Capital's operating margin for the twelve months ending Sep 30, 2026 was 39.0%. For fiscal 2025 it was 35.4%, against 12.0% the year before. The highest annual figure on record is 39.2% in fiscal 2021.
Annual operating margin
| Period | Period end | Value | Change (pts) |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 35.4% | +23.5 |
| FY2024 | Dec 31, 2024 | 12.0% | +10.6 |
| FY2023 | Dec 31, 2023 | 1.4% | −31.7 |
| FY2022 | Dec 31, 2022 | 33.1% | −6.2 |
| FY2021 | Dec 31, 2021 | 39.2% | +3.7 |
| FY2020 | Dec 31, 2020 | 35.5% | +3.8 |
| FY2019 | Dec 31, 2019 | 31.8% | +1.1 |
| FY2018 | Dec 31, 2018 | 30.7% | +2.4 |
| FY2017 | Dec 31, 2017 | 28.3% | +6.6 |
| FY2016 | Dec 31, 2016 | 21.7% | −3.3 |
| FY2015 | Dec 31, 2015 | 25.0% | −4.6 |
| FY2014 | Dec 31, 2014 | 29.6% | +3.9 |
| FY2013 | Dec 31, 2013 | 25.6% | −2.2 |
| FY2012 | Dec 31, 2012 | 27.9% | +1.1 |
| FY2011 | Dec 31, 2011 | 26.8% | +0.9 |
| FY2010 | Dec 31, 2010 | 25.9% | +4.8 |
| FY2009 | Dec 31, 2009 | 21.1% | – |
Quarterly operating margin
Change is against the same quarter a year earlier.
| Period | Period end | Value | Change (pts) |
|---|---|---|---|
| Q3 FY2026 | Sep 30, 2026 | 42.3% | +4.7 |
| Q2 FY2026 | Jun 30, 2026 | 38.0% | +3.9 |
| Q1 FY2026 | Mar 31, 2026 | 38.7% | +5.8 |
| Q4 FY2025 | Dec 31, 2025 | 36.6% | +87.1 |
| Q3 FY2025 | Sep 30, 2025 | 37.6% | +8.7 |
| Q2 FY2025 | Jun 30, 2025 | 34.1% | +5.4 |
| Q1 FY2025 | Mar 31, 2025 | 32.9% | +7.5 |
| Q4 FY2024 | Dec 31, 2024 | -50.5% | +27.8 |
| Q3 FY2024 | Sep 30, 2024 | 28.9% | +4.5 |
| Q2 FY2024 | Jun 30, 2024 | 28.7% | +1.4 |
| Q1 FY2024 | Mar 31, 2024 | 25.5% | +3.0 |
| Q4 FY2023 | Dec 31, 2023 | -78.3% | −77.3 |
| Q3 FY2023 | Sep 30, 2023 | 24.4% | −1.8 |
| Q2 FY2023 | Jun 30, 2023 | 27.3% | −6.1 |
| Q1 FY2023 | Mar 31, 2023 | 22.4% | −30.6 |
| Q4 FY2022 | Dec 31, 2022 | -1.0% | −35.7 |
| Q3 FY2022 | Sep 30, 2022 | 26.2% | −14.2 |
| Q2 FY2022 | Jun 30, 2022 | 33.3% | −7.4 |
| Q1 FY2022 | Mar 31, 2022 | 53.0% | +12.7 |
| Q4 FY2021 | Dec 31, 2021 | 34.7% | +2.2 |
| Q3 FY2021 | Sep 30, 2021 | 40.4% | +5.1 |
| Q2 FY2021 | Jun 30, 2021 | 40.7% | −10.8 |
| Q1 FY2021 | Mar 31, 2021 | 40.4% | +24.1 |
| Q4 FY2020 | Dec 31, 2020 | 32.5% | −0.1 |
| Q3 FY2020 | Sep 30, 2020 | 35.3% | +4.1 |
| Q2 FY2020 | Jun 30, 2020 | 51.6% | +18.6 |
| Q1 FY2020 | Mar 31, 2020 | 16.3% | −15.8 |
| Q4 FY2019 | Dec 31, 2019 | 32.6% | −0.7 |
| Q3 FY2019 | Sep 30, 2019 | 31.2% | +2.2 |
| Q2 FY2019 | Jun 30, 2019 | 33.0% | +3.4 |
| Q1 FY2019 | Mar 31, 2019 | 32.1% | +5.1 |
| Q4 FY2018 | Dec 31, 2018 | 33.2% | +13.0 |
| Q3 FY2018 | Sep 30, 2018 | 29.0% | −4.9 |
| Q2 FY2018 | Jun 30, 2018 | 29.6% | +1.9 |
| Q1 FY2018 | Mar 31, 2018 | 27.1% | −0.8 |
| Q4 FY2017 | Dec 31, 2017 | 20.2% | −12.0 |
| Q3 FY2017 | Sep 30, 2017 | 33.9% | – |
| Q2 FY2017 | Jun 30, 2017 | 27.7% | – |
| Q1 FY2017 | Mar 31, 2017 | 27.9% | – |
| Q4 FY2016 | Dec 31, 2016 | 32.2% | – |
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