Encore Capital (ECPG) EBIT Margin (2010 - 2026)
Encore Capital (ECPG) posted EBIT Margin of 38.7% for Q1 2026, up 369.37% sequentially from 14.37% in Q4 2025, and up 577.0% YoY from 5.72% in Q1 2025.
Encore Capital (ECPG) EBIT Margin (2010 - 2026) Analysis & Trends
Encore Capital (ECPG) has 17 years of EBIT Margin data on file, last reported at 38.7% in Q1 2026.
- Quarterly EBIT Margin rose 577.0% year-over-year to 38.7% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 398.36% (up 35394.0% YoY) and the FY2025 annual result came in at 708.97%, up 52341.0% from the prior year.
- EBIT Margin improved to 38.7% in Q1 2026 per ECPG's latest filing, from 14.37% in the prior quarter.
- The five-year high for EBIT Margin was 1013.59% in Q1 2022, with the low at 653.79% in Q4 2024.
- Average EBIT Margin over 5 years is 177.05%, with a median of 37.62% recorded in 2025.
- Year-over-year, EBIT Margin slumped 70304 bps in 2023 and soared 63942 bps in 2025.
- Encore Capital's EBIT Margin stood at 10.02% in 2022, then plunged by 681 bps to 78.3% in 2023, then plunged by 735 bps to 653.79% in 2024, then jumped by 98 bps to 14.37% in 2025, then jumped by 369 bps to 38.7% in 2026.
- Business Quant data shows ECPG's EBIT Margin at 38.7% in Q1 2026, 14.37% in Q4 2025, and 37.62% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBIT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 64.42% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 58.43% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 18.77% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 17.81% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 26.44% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 3.39% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 35.49% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 24.11% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 15.96% |
| 10 | Encore Capital | 2.04 Bn | 1.81 Bn | 440.58 Mn | 38.70% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 38.70% |
| Dec 31, 2025 | -14.37% |
| Sep 30, 2025 | 37.62% |
| Jun 30, 2025 | 34.09% |
| Mar 31, 2025 | 32.93% |
| Dec 31, 2024 | -653.79% |
| Sep 30, 2024 | 465.88% |
| Jun 30, 2024 | 482.49% |
| Mar 31, 2024 | 25.46% |
| Dec 31, 2023 | -78.30% |
| Sep 30, 2023 | 379.62% |
| Jun 30, 2023 | 419.23% |
| Mar 31, 2023 | 310.55% |
| Dec 31, 2022 | -10.02% |
| Sep 30, 2022 | 26.16% |
| Jun 30, 2022 | 500.03% |
| Mar 31, 2022 | 1,013.59% |
| Dec 31, 2021 | 34.71% |
| Sep 30, 2021 | 40.39% |
| Jun 30, 2021 | 40.75% |