Earnings summaries and quarterly performance for ENCORE CAPITAL GROUP.
Executive leadership at ENCORE CAPITAL GROUP.
Ashish Masih
Detailed
Chief Executive Officer
CEO
Andrew E. Asch
Detailed
Senior Vice President, General Counsel, Government Affairs and Corporate Secretary
John Yung
Detailed
President of International and Cabot Credit Management
Ryan B. Bell
Detailed
President, Midland Credit Management
Tomas C. Hernanz
Detailed
Executive Vice President, Chief Financial Officer and Treasurer
Board of directors at ENCORE CAPITAL GROUP.
Research analysts who have asked questions during ENCORE CAPITAL GROUP earnings calls.
Mark Hughes
Truist Securities
6 questions for ECPG
Also covers: AIZ, AJG, AMBC +41 more
Robert Dodd
Raymond James
5 questions for ECPG
Also covers: , ARCC, BBDC +24 more
John Rowan
Janney Montgomery Scott
4 questions for ECPG
Also covers: CACC, ENVA, FCFS +5 more
Mike Grondahl
Lake Street Capital Markets
4 questions for ECPG
Also covers: ABL, ACCS, APLD +34 more
David Scharf
Citizens Capital Markets and Advisory
2 questions for ECPG
Also covers: AFRM, ENVA, EZPW +11 more
Logan Hennen
Northland Securities
2 questions for ECPG
Also covers: CAN, MFIN
Zach Oster
Citizens Capital Markets
2 questions for ECPG
Zachary Oster
Citizens JMP
1 question for ECPG
Also covers: OPFI
Recent press releases and 8-K filings for ECPG.
ECPG Reports Strong Q3 2025 Financial Results with Significant EPS and Revenue Growth
ECPG
Earnings
Revenue Acceleration/Inflection
New Projects/Investments
- ECPG reported Q3 2025 EPS of $3.17, marking a 152% increase compared to Q3 2024.
- Total revenues for Q3 2025 grew 25.4% to $460.4 million, primarily driven by a 20% increase in collections to a record $663 million.
- Portfolio purchases rose 23% to $346 million in Q3 2025, with the company continuing to allocate capital to U.S. opportunities for higher returns.
- The company's leverage decreased to 2.5x in Q3 2025, and it secured an additional $550 million in liquidity, with no significant debt maturities until 2028.
Nov 5, 2025, 10:00 PM
Encore Capital Group Reports Strong Q3 2025 Results, Raises 2025 Guidance, and Expands Share Repurchase Program
ECPG
Earnings
Guidance Update
Share Buyback
- Encore Capital Group reported strong Q3 2025 results, with portfolio purchases up 23% to $346 million and collections increasing 20% to a record $663 million, leading to earnings per share (EPS) of $3.17, up over 150% compared to Q3 2024.
- The company's leverage improved to 2.5x at the end of Q3 2025, down from 2.7x a year ago, even with continued significant portfolio purchases.
- Encore repurchased $10 million of shares in Q3 2025 and an additional $25 million so far in Q4 2025, totaling approximately $60 million year-to-date, and the board authorized an additional $300 million under the share repurchase program.
- For 2025, the company raised its guidance for global collections to approximately $2.55 billion (an 18% increase) and anticipates global portfolio purchasing to exceed $1.35 billion.
Nov 5, 2025, 10:00 PM
Encore Capital Group Reports Strong Q3 2025 Results with Increased Collections and Share Repurchase Authorization
ECPG
Earnings
Guidance Update
Share Buyback
- Encore Capital Group reported strong Q3 2025 results, with earnings per share of $3.17, a 150% increase compared to Q3 2024, and net income up 144% to $75 million.
- The company achieved record global collections of $663 million, up 20% year-over-year, and record Estimated Remaining Collections (ERC) of $9.5 billion, up 10%. Global portfolio purchases increased 23% to $346 million.
- Leverage improved to 2.5 times at the end of Q3 2025. The company repurchased approximately $60 million of shares year-to-date and authorized an additional $300 million under its share repurchase program.
- Encore raised its 2025 guidance for global collections, now expecting growth of approximately 18% to $2.55 billion, and anticipates global portfolio purchasing to exceed $1.35 billion.
Nov 5, 2025, 10:00 PM
Encore Capital Group Reports Strong Q3 2025 Results, Raises Collections Guidance
ECPG
Earnings
Guidance Update
Share Buyback
- Encore Capital Group delivered strong financial results in Q3 2025, with earnings per share (EPS) of $3.17, an increase of over 150% compared to Q3 2024. This performance was supported by record global collections of $663 million, up 20%, and total revenues of $460 million, reflecting 25% growth.
- The company's global portfolio purchases in Q3 2025 reached $346 million, a 23% increase year-over-year, with 75% of deployed capital allocated to the U.S. market. Encore anticipates global portfolio purchasing in 2025 to exceed $1.35 billion, driven by favorable U.S. market conditions including robust supply and attractive pricing.
- Leverage improved to 2.5 times at the end of Q3 2025, down from 2.7 times a year prior. The board authorized an additional $300 million under its share repurchase program, bringing year-to-date share repurchases to approximately $60 million.
- Encore raised its full-year 2025 guidance for global collections, now expecting growth of approximately 18% to $2.55 billion, an increase of $50 million from its previous guidance.
Nov 5, 2025, 10:00 PM
Encore Capital Group Announces Third Quarter 2025 Financial Results
ECPG
Earnings
Guidance Update
Share Buyback
- Encore Capital Group reported record global collections of $663 million, an increase of 20% compared to the prior year, and global portfolio purchases of $346 million, up 23%, for the third quarter ended September 30, 2025.
- Earnings per share for Q3 2025 increased by 152% to $3.17 compared to $1.26 a year ago.
- The company repurchased approximately $60 million of its shares year-to-date and its board authorized a $300 million addition to its existing share repurchase program.
- Encore Capital Group raised its full-year 2025 global collections guidance to approximately $2.55 billion, reflecting 18% year-over-year growth.
Nov 5, 2025, 9:12 PM
Encore Capital Group, Inc. Details Terms of New 6.625% Senior Secured Notes Due 2031
ECPG
Debt Issuance
- Encore Capital Group, Inc. has issued U.S. dollar-denominated 6.625% Senior Secured Notes due 2031.
- The company may redeem these notes, in whole or in part, on or after October 15, 2027, at redemption prices of 103.313% in 2027, 101.656% in 2028, and 100.000% in 2029 and thereafter.
- Prior to October 15, 2027, the notes can be redeemed at 106.625% plus accrued interest using Net Cash Proceeds from an Equity Offering, not exceeding 40% of the original principal amount, provided at least 60% remains outstanding.
- The company is required to provide annual reports within 120 days after fiscal year-end and quarterly reports within 60 days after the end of the first three fiscal quarters, starting with the quarter ending September 30, 2025.
Oct 2, 2025, 9:17 PM
Encore Capital Group Reports Strong Q2 2025 Financial Results
ECPG
Earnings
Guidance Update
Share Buyback
- Encore Capital Group reported earnings per share of $2.49 for the second quarter ended June 30, 2025, an 86% increase compared to $1.34 in the prior year period.
- Global portfolio purchases in Q2 2025 increased 32% year-over-year to $367 million, including a record $317 million in the U.S..
- Global collections reached a record $655 million in Q2 2025, representing a 20% increase from the second quarter last year.
- The company raised its full-year global collections guidance to approximately $2.5 billion, reflecting 15.5% year-over-year growth.
Aug 6, 2025, 8:16 PM
Quarterly earnings call transcripts for ENCORE CAPITAL GROUP.
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