Encore Capital Group Inc.
Encore Capital Group (Nasdaq: ECPG) is an international specialty finance company that purchases portfolios of defaulted consumer receivables at discounts and works with consumers to repay their obligations. It also provides debt servicing and portfolio management for credit originators, including collections for… From the company’s description.
Over the twelve months to Sep 30, 2026, Encore Capital Group Inc. reported revenue of $1.99B, up 27.2% from a year earlier, and net income of $350.91M. Its operating margin was 39.0%, and operations generated $176.44M in cash. In fiscal 2025, it reported revenue of $1.77B, up 34.4% from fiscal 2024, and net income of $256.83M.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Encore Capital Group Inc. does
In the company’s own words
Encore Capital Group (Nasdaq: ECPG) is an international specialty finance company that purchases portfolios of defaulted consumer receivables at discounts and works with consumers to repay their obligations. It also provides debt servicing and portfolio management for credit originators, including collections for non-performing consumer and business accounts in Europe. Encore operates primarily through Midland Credit Management (MCM) in the United States and Cabot Credit Management in Europe and the United Kingdom; additional operations include Encore Asset Reconstruction Company in India and a portfolio investment in Mexico. MCM and Cabot purchase receivables from banks, credit unions, consumer finance companies, retailers and other originators, and use call centers, direct mail, digital channels and, where appropriate, legal action to manage accounts. Cabot also provides early-stage collections, business process outsourcing and contingent collections services. As of December 31, 2025, Encore had approximately 7,350 employees. Its website is www.encorecapital.com.
Company details
- Sector
- Financials
- Industry (SIC)
- Banks & Brokers
- Headquarters
- SAN DIEGO, CA
- Fiscal year end
- December
- CIK
- 1084961
- SIC
- 6153
Financial performance, year by year
Fiscal 2011–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Encore Capital Group Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Encore Capital Group Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Encore Capital Group Inc.’s bonds, as funds hold them
Funds report holding 7 issues of Encore Capital Group Inc.’s debt, $733.74M at market value — what funds hold, not the company’s total debt. Weighted-average coupon 7.31%, maturing 2028 to 2032.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
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