ECPG
Encore Capital Group, Inc.54.35
+0.64+1.19%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
1.25BP/E (TTM)
-Basic EPS (TTM)
-1.80Dividend Yield
0%Recent Filings
8-K
Encore's Q3 surges 23%
Encore Capital Group reported robust Q3 2025 results, with global portfolio purchases surging 23% to $346 million and collections hitting a record $663 million, up 20% year-over-year. U.S. operations led the charge, boosting purchases 13% to $261 million and collections 25% to $502 million through tech upgrades and market opportunities, while Europe added steady gains. Earnings per share jumped 152% to $3.17. The company raised full-year collections guidance to $2.55 billion but flagged risks from economic uncertainties.
10-Q
Q3 FY2025 results
Encore Capital Group posted solid Q3 FY2025 results, with total revenues climbing 25.4% year-over-year to $460.4M, fueled by a 27.3% surge in debt purchasing revenue to $433.8M from stronger U.S. collections and $346.1M in portfolio purchases. Operating income jumped 63.3% to $173.2M, while diluted EPS rose to $3.17 from $1.26, reconciling neatly with 23.5M weighted shares. Gross collections hit $663.0M, up 20.5% y/y, driven by enhanced U.S. strategies, yet net cash from operations dipped slightly to $136.4M YTD amid $140.7M in positive recovery variances. Liquidity holds firm at $172.5M cash and $491.1M revolver availability, with total debt at $3.93B; post-quarter, they issued $500M notes due 2031 and settled $100M convertibles in cash. Collections outpace forecasts. Regulatory scrutiny on debt practices lingers as a key risk.
8-K
Q3 results beat expectations
Encore Capital Group reported robust Q3 2025 results, with portfolio purchases surging 23% to $346 million and collections hitting a record $663 million, up 20% year-over-year, fueled by strong U.S. demand amid elevated charge-off rates. U.S. operations shone brightest, delivering 25% collection growth, while Europe lagged due to subdued lending. EPS leaped 152% to $3.17. Leverage dipped to 2.5x, bolstering liquidity to $736 million.
8-K
Encore issues $500M notes
Encore Capital Group issued $500 million in 6.625% senior secured notes due 2031 on October 1, 2025, guaranteed by key subsidiaries and secured by most assets. Proceeds repaid revolver drawings under the Global Senior Facility and covered fees. This bolsters liquidity while layering on secured debt.
10-Q
Q2 FY2025 results
Encore Capital Group posted solid Q2 FY2025 results, with total revenues climbing 24.4% year-over-year to $442.1M, fueled by a 27.2% surge in debt purchasing revenue to $416.8M from stronger U.S. collections and positive changes in recoveries. Operating income jumped 48.0% to $150.7M, while diluted EPS rose 85.8% to $2.49, reconciling neatly with 23.6M weighted shares. Gross collections hit $655.0M, up 19.8% y/y, driven by enhanced U.S. strategies, yet operating expenses grew 15.0% on higher legal and staffing costs. Liquidity holds firm with $172.9M in cash and $397.2M available under the Global Senior Facility, despite $4.0B in total borrowings; the company upsized this facility to $1.5B in May. Share repurchases totaled $15.0M in the quarter. Regulatory scrutiny under the FDCPA remains a persistent headwind.
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