For the year ending 2025-12-31, ECPG had -$44,533K decrease in cash & cash equivalents over the period. $126,929K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Income from operations | 626,647 |
| Segment Reporting Other Item Amount | -3,422 |
| Other segment items | -3,422 |
| Interest Expense Nonoperating | 293,910 |
| Interest expenses | 293,910 |
| Provision for income taxes | 79,325 |
| Net income (loss) | 256,834 |
| Depreciation and amortization | 28,760 |
| Other non-cash interest expense, net | -14,364 |
| Stock-based compensation expense | 18,269 |
| Deferred income taxes | 29,819 |
| Goodwill impairment | 0 |
| Tangible asset impairment charges | 0 |
| Changes in recoveries | 208,771 |
| Other, net | 7,654 |
| Other assets | -9,923 |
| Accounts payable, accrued liabilities and other liabilities | -3,653 |
| Net cash provided by operating activities | 153,199 |
| Purchases of receivable portfolios, net of put-backs | 1,389,064 |
| Collections applied to receivable portfolios | 1,136,991 |
| Purchases of real estate owned | 0 |
| Purchases of property and equipment | 26,270 |
| Proceeds from sale of real estate owned | 37,650 |
| Other, net | 1,893 |
| Net cash used in investing activities | -242,586 |
| Payment of loan and debt refinancing costs | 10,210 |
| Proceeds from credit facilities | 1,273,254 |
| Repayment of credit facilities | 1,359,011 |
| Proceeds from senior secured notes | 500,000 |
| Repayment of senior secured notes | 115,965 |
| Proceeds from issuance of convertible senior notes | 0 |
| Repayment of convertible senior notes | 106,206 |
| Repayment of other debt | 42,469 |
| Payments to settle derivative instruments | 0 |
| Repurchase and retirement of common stock | 90,402 |
| Other, net | -4,137 |
| Net cash provided by financing activities | 44,854 |
| Net (decrease) increase in cash and cash equivalents | -44,533 |
| Effect of exchange rate changes on cash and cash equivalents | 1,452 |
| Cash and cash equivalents, beginning of period | 199,865 |
| Cash and cash equivalents, end of period | 156,784 |
ENCORE CAPITAL GROUP INC (ECPG)
ENCORE CAPITAL GROUP INC (ECPG)