Financial insights of ECPG

MyFinsight

For the quarter ending 2025-09-30, ECPG made $460,353K in revenue. $74,660K in net income. Net profit margin of 16.22%.

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

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Total revenues	460,353	442,122	392,775	367,071
Salaries and employee benefits	117,118	117,738	105,932	107,502
Cost of legal collections	80,010	79,649	68,013	67,339
General and administrative expenses	39,220	41,327	41,018	38,808
Other operating expenses	37,056	36,990	34,252	31,804
Collection agency commissions	6,601	8,374	6,873	7,370
Depreciation and amortization	7,170	7,311	7,344	8,158
Total operating expenses	287,175	291,389	263,432	260,981
Income from operations	173,178	150,733	129,343	106,090
Interest expense	74,242	73,943	70,530	66,906
Other income	929	1,226	1,647	1,578
Total other expense	-73,313	-72,717	-68,883	-65,328
Income before income taxes	99,865	78,016	60,460	40,762
Provision for income taxes	25,205	19,295	13,664	10,119
Net income	74,660	58,721	46,796	30,643

Basic (shares)	23,222,000	23,507,000	23,879,000	23,912,000
Basic (usd per share)	3.22	2.5	1.96	1.28
Diluted (shares)	23,520,000	23,578,000	24,269,000	24,407,000
Diluted (usd per share)	3.17	2.49	1.93	1.26