ECPG · XBRL financial data

Encore Capital Group financial statements, every quarter

The same tables from 12 filings, lined up. Matched by XBRL tag: renamed lines keep their history.

How these numbers work

Every number comes from the company's XBRL financial data filed with the SEC, and each one links to its filing.
Lines are matched by XBRL tag, so a line renamed between filings keeps its history.
* marks a quarter worked out from the filing totals: the 10-K year minus the first three quarters, or a year-to-date total minus the earlier one. Fourth-quarter earnings per share is fourth-quarter net income over the fourth-quarter weighted shares.
0 means a filing states zero; a dash (—) means no filing states that number.
“year only” means the 10-K gives the full year but not the quarters needed to work out the fourth. A worked-out quarter of revenue, cost of revenue or operating cash flow more than twice the company's largest quarter of the two years before is shown this way too.
Gross profit is shown as the company reports it; a worked-out quarter must equal revenue less cost of revenue for that quarter, or it is a dash.
Operating income can be above gross profit when the company books other operating income between the two, shown on its own line.
Shares outstanding come from each filing's cover page, as of the date printed there.
Quarters are fiscal: Q2 FY27 is the second quarter of the company's fiscal 2027.

Income statement

Fiscal quarters (ECPG's year ends in late December)

In millions of dollars	Q3 FY23Sep 30, 2023	Q4 FY23Dec 31, 2023	Q1 FY24Mar 31, 2024	Q2 FY24Jun 30, 2024	Q3 FY24Sep 30, 2024	Q4 FY24Dec 31, 2024	Q1 FY25Mar 31, 2025	Q2 FY25Jun 30, 2025	Q3 FY25Sep 30, 2025	Q4 FY25Dec 31, 2025	Q1 FY26Mar 31, 2026	Q2 FY26Jun 30, 2026
Revenue	310	277*	328	355	367	266*	393	442	460	474*	475	492
Revenue from contracts with customers	20	20*	20	21	23	21*	23	22	22	21*	21	18
General and administrative	36	37*	36	37	39	52*	41	41	39	44*	40	39
Total operating expenses	234	495*	245	253	261	400*	263	291	287	300*	291	305
Operating income (loss)	76	(217)*	84	102	106	(134)*	129	151	173	173*	184	187
Interest expense	51	55*	56	61	67	68*	71	74	74	75*	73	74
Other income (expense)	5	(0)*	3	2	2	1*	2	1	1	1*	1	0
Income tax expense (benefit)	11	(1)*	7	10	10	15*	14	19	25	21*	25	19
Net income (loss)	19	(271)*	23	32	31	(225)*	47	59	75	77*	86	64
Earnings per share, basic USD per share	0.82	(11.40)*	0.98	1.35	1.28	(9.42)*	1.96	2.50	3.22	3.43*	3.97	2.97
Earnings per share, diluted USD per share	0.79	—	0.95	1.34	1.26	—	1.93	2.49	3.17	3.36*	3.86	2.81
Weighted average shares, basic millions of shares	24	24*	24	24	24	24*	24	24	23	22*	22	22
Weighted average shares, diluted millions of shares	24	21*	24	24	24	23*	24	24	24	23*	22	23

Fiscal quarters (ECPG's year ends in late December)

In millions of dollars	Q3 FY23Sep 30, 2023	Q4 FY23Dec 31, 2023	Q1 FY24Mar 31, 2024	Q2 FY24Jun 30, 2024	Q3 FY24Sep 30, 2024	Q4 FY24Dec 31, 2024	Q1 FY25Mar 31, 2025	Q2 FY25Jun 30, 2025	Q3 FY25Sep 30, 2025	Q4 FY25Dec 31, 2025	Q1 FY26Mar 31, 2026	Q2 FY26Jun 30, 2026
Cash and cash equivalents	145	158	173	251	247	200	187	173	172	157	227	183
Property and equipment, net	102	104	103	102	104	81	82	84	82	82	79	81
Right-of-use asset	68	67	63	60	61	58	60	61	60	57	53	50
Goodwill	826	606	602	603	628	508	519	543	536	536	529	529
Total assets	4,760	4,630	4,687	4,817	4,994	4,790	4,970	5,191	5,258	5,340	5,451	5,565
Total liabilities	3,562	3,694	3,733	3,829	3,946	4,022	4,151	4,295	4,305	4,363	4,416	4,487
Retained earnings	1,320	1,049	1,072	1,105	1,135	910	957	1,015	1,084	1,105	1,167	1,210
Total stockholders' equity	1,199	937	954	988	—	—	—	—	—	—	—	—
Total liabilities and equity	4,760	4,630	4,687	4,817	4,994	4,790	4,970	5,191	5,258	5,340	5,451	5,565
Common shares outstanding (cover page) millions of shares	24	24	24	24	24	24	23	23	22	21	21	21

Fiscal quarters (ECPG's year ends in late December)

In millions of dollars	Q3 FY23Sep 30, 2023	Q4 FY23Dec 31, 2023	Q1 FY24Mar 31, 2024	Q2 FY24Jun 30, 2024	Q3 FY24Sep 30, 2024	Q4 FY24Dec 31, 2024	Q1 FY25Mar 31, 2025	Q2 FY25Jun 30, 2025	Q3 FY25Sep 30, 2025	Q4 FY25Dec 31, 2025	Q1 FY26Mar 31, 2026	Q2 FY26Jun 30, 2026
Net income (loss)	19	(271)*	23	32	31	(225)*	47	59	75	77*	86	64
Stock-based compensation	3*	3*	3	5*	4*	2*	3	5*	4*	5*	5	6*
Depreciation and amortization	11*	9*	8	7*	8*	9*	7	7*	7*	7*	7	7*
Net cash from operating activities	54*	37*	51	36*	46*	24*	45	10*	82*	17*	82	(29)*
Purchases of property and equipment	7*	8*	7	7*	6*	9*	7	6*	6*	7*	5	8*
Net cash from investing activities	(56)*	(131)*	(91)	(41)*	(44)*	(265)*	(100)	(69)*	(46)*	(27)*	(27)	(103)*
Share repurchases	—	year only	—	—	—	year only	—	—	—	year only	—	—
Net cash from financing activities	(32)*	109*	56	84*	(9)*	187*	40	47*	(37)*	(6)*	19	88*

SIC 6153 and related industry codes, similar size. Each row is the latest quarter reported.

How peers are chosen

SIC 6153 and related industry codes with public float (or, where float is missing, quarterly revenue) between 0.2x and 5x the company's.
Each row is the latest quarter the company has reported, named in the Quarter column; when that filing is a 10-K, it is the fourth quarter, never the full year.
Runway shows only for companies burning cash with under $10B of public float.
* marks a quarter worked out from the filing totals: for a 10-Q, the year-to-date total less the earlier one.
A cell reading “not reported” means the filings give no figure for that quarter alone.

Company	Cash ($M)	Revenue, quarter ($M)	Operating cash flow, quarter ($M)	Shares outstanding	Runway	Quarter
Encore Capital Group	183	492	(29)*	21.2M	6.2 quarters	Q2 FY26 10-QJun 30, 2026
Pra Group	132	372	(36)*	37.6M	3.7 quarters	Q2 FY26 10-QJun 30, 2026
Jefferson Capital	20	178	43*	57.4M	—	Q2 FY26 10-QJun 30, 2026
Plumas Bancorp	114	not reported	15*	6.9M	—	Q3 FY26 10-QSep 30, 2026

Not investment advice. Not affiliated with the U.S. SEC.