Encore Capital (ECPG) EBT Margin (2010 - 2026)
Encore Capital (ECPG) posted EBT Margin of 23.5% for Q1 2026, up 389.97% sequentially from 8.11% in Q4 2025, and up 811.0% YoY from 2.58% in Q1 2025.
Encore Capital (ECPG) EBT Margin (2010 - 2026) Analysis & Trends
Encore Capital (ECPG) has 17 years of EBT Margin data on file, last reported at 23.5% in Q1 2026.
- Quarterly EBT Margin rose 811.0% year-over-year to 23.5% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 226.54% (up 24103.0% YoY) and the FY2025 annual result came in at 380.32%, up 49381.0% from the prior year.
- EBT Margin climbed to 23.5% in Q1 2026 per ECPG's latest filing, from 8.11% in the prior quarter.
- The five-year high for EBT Margin was 882.63% in Q1 2022, with the low at 1023.04% in Q4 2024.
- Average EBT Margin over 5 years is 48.38%, with a median of 21.69% recorded in 2025.
- Year-over-year, EBT Margin plunged 92509 bps in 2024 and soared 101494 bps in 2025.
- Encore Capital's EBT Margin stood at 199.54% in 2022, then jumped by 51 bps to 97.95% in 2023, then slumped by 944 bps to 1023.04% in 2024, then surged by 99 bps to 8.11% in 2025, then surged by 390 bps to 23.5% in 2026.
- Business Quant data shows ECPG's EBT Margin at 23.5% in Q1 2026, 8.11% in Q4 2025, and 21.69% in Q3 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 63.88% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 57.30% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 19.98% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 16.68% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 32.10% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 18.14% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 19.03% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 27.07% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 16.65% |
| 10 | Encore Capital | 2.04 Bn | 1.81 Bn | 440.58 Mn | 23.50% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 23.50% |
| Dec 31, 2025 | -8.11% |
| Sep 30, 2025 | 21.69% |
| Jun 30, 2025 | 17.65% |
| Mar 31, 2025 | 15.39% |
| Dec 31, 2024 | -1,023.04% |
| Sep 30, 2024 | 179.00% |
| Jun 30, 2024 | 201.40% |
| Mar 31, 2024 | 9.29% |
| Dec 31, 2023 | -97.95% |
| Sep 30, 2023 | 151.12% |
| Jun 30, 2023 | 172.95% |
| Mar 31, 2023 | 110.85% |
| Dec 31, 2022 | -199.54% |
| Sep 30, 2022 | 13.78% |
| Jun 30, 2022 | 351.81% |
| Mar 31, 2022 | 882.63% |
| Dec 31, 2021 | 23.83% |
| Sep 30, 2021 | 26.24% |
| Jun 30, 2021 | 28.38% |