Encore Capital Group Financial Ratios
NASDAQ: ECPGFinanceFinance CompaniesUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Encore Capital Group ratio analysis
Encore Capital Group earned a net margin of 14.5% in FY 2025, up from -10.6% a year earlier. Return on equity reached 26.3%, meaning Encore Capital Group generated 0.26 dollars of profit for every dollar of shareholders' equity. Debt-to-equity stood at 4.13 versus 4.83 the year before.
At the end of FY 2025, ECPG traded at 5.1 times earnings; across the 8 fiscal years shown, its year-end P/E ranged from 5.1 to 13.4, with a median of 6.3. Valuation ratios use the closing share price on each fiscal year-end date and diluted shares from the income statement; profitability and leverage ratios use reported annual figures. Current valuation multiples are on the statistics page.
Summary generated from market data by MetaCap's automated system. Methodology
Encore Capital Group financial ratios (annual)
| Ratio | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E ratio (at fiscal year end) | 5.12 | — | — | 6.43 | 5.52 | 5.83 | 6.65 | 6.21 | 13.37 | 9.68 |
| Price / sales | 0.73 | 0.86 | 0.98 | 0.83 | 1.16 | 0.82 | 0.79 | 0.54 | 0.95 | 0.66 |
| Price / book | 1.33 | 1.48 | 1.28 | 0.98 | 1.58 | 1.01 | 1.08 | 0.87 | 1.88 | 1.32 |
| Operating margin | 35.4% | 12.0% | 1.4% | 33.1% | 39.2% | 35.5% | 31.8% | 30.7% | 28.3% | 21.7% |
| Net margin | 14.5% | -10.6% | -16.9% | 13.9% | 21.7% | 14.1% | 11.9% | 8.8% | 7.3% | 6.9% |
| Free cash flow margin | 7.2% | 9.7% | 10.5% | 12.4% | 16.7% | 18.5% | 14.6% | 9.0% | 8.4% | 8.9% |
| Return on equity (ROE) | 26.3% | -18.1% | -22.0% | 16.5% | 29.6% | 17.4% | 16.4% | 14.2% | 14.3% | 13.7% |
| Return on assets (ROA) | 4.8% | -2.9% | -4.5% | 4.3% | 7.6% | 4.4% | 3.4% | 2.5% | 1.9% | 2.1% |
| Debt / equity | 4.13 | 4.83 | 3.59 | 2.49 | 2.58 | 2.77 | 3.51 | 4.37 | 6.06 | 5.12 |
| Revenue growth | 34.4% | 7.7% | -12.6% | -13.4% | 7.5% | 6.8% | 6.5% | 15.3% | 2.9% | -1.5% |
| EPS growth | — | — | -216.9% | -33.7% | 68.6% | 25.3% | 31.3% | 28.9% | 6.4% | 75.1% |