ECPG: the cashflow

MyFinsight

For the quarter ending 2025-09-30, ECPG had -$990K decrease in cash & cash equivalents over the period. $75,563K in free cash flow.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Cash Flow	2025-09-30	2025-06-30
Net income	74,660	105,517
Depreciation and amortization	7,170	14,655
Other non-cash interest expense, net	-3,940	-7,211
Stock-based compensation expense	4,341	8,707
Changes in recoveries	63,636	77,063
Other, net	186	7,045
Other assets	-2,419	-14,897
Accounts payable, accrued liabilities and other liabilities	52,501	-26,162
Net cash provided by operating activities	81,581	54,807
Purchases of receivable portfolios, net of put-backs	340,832	725,391
Collections applied to receivable portfolios	292,892	553,400
Purchases of property and equipment	6,018	13,320
Other, net	-8,061	-15,659
Net cash used in investing activities	-45,897	-169,652
Payment of loan and debt refinancing costs	1,401	2,491
Proceeds from credit facilities	263,146	549,605
Repayment of credit facilities	280,989	418,463
Proceeds from senior secured notes	0	0
Repayment of senior secured notes	0	0
Repurchase and retirement of common stock	10,114	25,215
Other, net	-7,316	-16,206
Net cash provided by financing activities	-36,674	87,230
Net (decrease) increase in cash and cash equivalents	-990	-27,615
Effect of exchange rate changes on cash	1,228	-
Cash and cash equivalents at beginning of period	199,865	-
Cash and cash equivalents at end of period	172,488	-

Unit: Thousand (K) dollars