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
DateValue
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%