Encore Capital (ECPG) Cost of Revenue (2010 - 2026)
Encore Capital (ECPG) posted Cost of Revenue of $34.8 million for Q1 2026, down 3.72% sequentially from $36.2 million in Q4 2025, and up 1.7% YoY from $34.3 million in Q1 2025.
Encore Capital (ECPG) Cost of Revenue (2010 - 2026) Analysis & Trends
Encore Capital (ECPG) has 17 years of Cost of Revenue data on file, last reported at $34.8 million in Q1 2026.
- Quarterly Cost of Revenue rose 1.7% year-over-year to $34.8 million in Q1 2026, while the trailing twelve-month figure through Mar 2026 was $145.1 million (up 7.7% YoY) and the FY2025 annual result came in at $144.5 million, up 10.45% from the prior year.
- Cost of Revenue fell to $34.8 million in Q1 2026 per ECPG's latest filing, from $36.2 million in the prior quarter.
- The five-year high for Cost of Revenue was $37.8 million in Q4 2024, with the low at $26.3 million in Q2 2023.
- Average Cost of Revenue over 5 years is $31.3 million, with a median of $30.4 million recorded in 2024.
- Year-over-year, Cost of Revenue slipped 4.97% in 2022 and grew 28.9% in 2024.
- Encore Capital's Cost of Revenue stood at $28.5 million in 2022, then increased by 2.8% to $29.3 million in 2023, then increased by 28.9% to $37.8 million in 2024, then fell by 4.26% to $36.2 million in 2025, then decreased by 3.72% to $34.8 million in 2026.
- Business Quant data shows ECPG's Cost of Revenue at $34.8 million in Q1 2026, $36.2 million in Q4 2025, and $37.1 million in Q3 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Cost of Rev (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | - |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | - |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 1.48 Bn |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 518.00 Mn |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 72.85 Mn |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 171.12 Mn |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 121.00 Mn |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 17.20 Mn |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 121.17 Mn |
| 10 | Encore Capital | 2.04 Bn | 1.81 Bn | 440.58 Mn | 34.83 Mn |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 34.83 Mn |
| Mar 31, 2026 | 34.83 Mn |
| Dec 31, 2025 | 36.18 Mn |
| Dec 31, 2025 | 36.18 Mn |
| Sep 30, 2025 | 37.06 Mn |
| Sep 30, 2025 | 37.06 Mn |
| Jun 30, 2025 | 36.99 Mn |
| Jun 30, 2025 | 36.99 Mn |
| Mar 31, 2025 | 34.25 Mn |
| Mar 31, 2025 | 34.25 Mn |
| Dec 31, 2024 | 37.79 Mn |
| Dec 31, 2024 | 37.79 Mn |
| Sep 30, 2024 | 31.80 Mn |
| Sep 30, 2024 | 31.80 Mn |
| Jun 30, 2024 | 30.85 Mn |
| Jun 30, 2024 | 30.85 Mn |
| Mar 31, 2024 | 30.37 Mn |
| Mar 31, 2024 | 30.37 Mn |
| Dec 31, 2023 | 29.32 Mn |
| Dec 31, 2023 | 29.32 Mn |