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Income Statement
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Balance Sheet
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Income Overview
Revenue
$491,872K
Net Income
$63,999K
Net Profit Margin
13.01%
EPS
$2.81
Unit: Thousand (K) dollars
Revenue Breakdown
Portfolio revenue
Changes in recoveries
Servicing revenue
Other revenues
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Total revenues
491,872
475,411
473,552
460,353
Salaries and employee benefits
119,585
114,541
117,445
117,118
Cost of legal collections
96,599
89,221
87,779
80,010
General and administrative expenses
38,724
39,629
44,383
39,220
Other operating expenses
36,831
34,833
36,178
37,056
Collection agency commissions
6,119
6,337
7,439
6,601
Depreciation and amortization
7,112
6,858
6,935
7,170
Impairment of assets
-
-
0
-
Total operating expenses
304,970
291,419
300,159
287,175
Income from operations
186,902
183,992
173,393
173,178
Interest expense
73,907
73,050
75,195
74,242
Loss on extinguishment of debt
-30,533
-
-1,614
-
Other income
385
790
1,234
929
Total other expense
-104,055
-72,260
-75,575
-73,313
Income before income taxes
82,847
111,732
97,818
99,865
Provision for income taxes
18,848
25,489
21,161
25,205
Net income
63,999
86,243
76,657
74,660
Basic EPS
2.97
3.97
3.433
3.22
Diluted EPS
2.81
3.86
3.367
3.17
Basic Average Shares
21,554,000
21,728,000
22,328,000
23,222,000
Diluted Average Shares
22,791,000
22,320,000
22,769,000
23,520,000
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Portfolio revenue
$400,242K
(10.82%↑ Y/Y)
Changes in recoveries
$71,115K
(27.91%↑ Y/Y)
Total debt purchasing
revenue
$471,357K
(13.10%↑ Y/Y)
Servicing revenue
$18,228K
(-18.26%↓ Y/Y)
Other revenues
$2,287K
(-24.99%↓ Y/Y)
Total revenues
$491,872K
(11.25%↑ Y/Y)
Income from operations
$186,902K
(24.00%↑ Y/Y)
Total operating
expenses
$304,970K
(4.66%↑ Y/Y)
Income before income
taxes
$82,847K
(6.19%↑ Y/Y)
Total other expense
-$104,055K
(-43.10%↓ Y/Y)
Other income
$385K
(-68.60%↓ Y/Y)
Salaries and employee
benefits
$119,585K
(1.57%↑ Y/Y)
Cost of legal
collections
$96,599K
(21.28%↑ Y/Y)
General and
administrative expenses
$38,724K
(-6.30%↓ Y/Y)
Other operating
expenses
$36,831K
(-0.43%↓ Y/Y)
Depreciation and
amortization
$7,112K
(-2.72%↓ Y/Y)
Collection agency
commissions
$6,119K
(-26.93%↓ Y/Y)
Net income
$63,999K
(8.99%↑ Y/Y)
Provision for income taxes
$18,848K
(-2.32%↓ Y/Y)
Interest expense
$73,907K
(-0.05%↓ Y/Y)
Loss on
extinguishment of debt
-$30,533K
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ENCORE CAPITAL GROUP INC (ECPG)
ENCORE CAPITAL GROUP INC (ECPG)