Encore Capital (ECPG) FCF Margin (2010 - 2026)

Encore Capital's (ECPG) quarterly FCF Margin came in at 58.29% in Q1 2026, up 2252.0% year-on-year from 2.48% in Q1 2025, and down 152.0% quarter-over-quarter from 112.1% in Q4 2025.

Encore Capital (ECPG) FCF Margin (2010 - 2026) Analysis & Trends

Encore Capital has disclosed FCF Margin across 17 years of filings, most recently posting 58.29% for Q1 2026.

  • FCF Margin for Q1 2026 came in at 58.29%, up 2252.0% year-over-year; the trailing twelve-month figure through Mar 2026 was 699.07% (down 64780.0% YoY), and the FY2025 annual result was 1398.23%, down 154821.0% from the prior year.
  • FCF Margin came in at 58.29% for Q1 2026 at Encore Capital, down from 112.1% in the prior quarter.
  • In the past five years, FCF Margin ranged from a high of 2601.6% in Q3 2024 to a low of 2484.42% in Q2 2024.
  • The 5-year median for FCF Margin is 58.29% (2026), against an average of 204.25%.
  • Across the five-year window, FCF Margin sank 327640 bps in 2023 and surged 347523 bps in 2024, its largest moves.
  • Encore Capital's FCF Margin stood at 720.7% in 2022, then soared by 87 bps to 90.6% in 2023, then jumped by 181 bps to 73.02% in 2024, then soared by 54 bps to 112.1% in 2025, then tumbled by 152 bps to 58.29% in 2026.
  • The last three FCF Margin figures came in at 58.29% (Q1 2026), 112.1% (Q4 2025), and 16.41% (Q3 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) FCF Margin (Qtr)
1 Visa 541.66 Bn 529.25 Bn - 23.37%
2 Mastercard 437.55 Bn 427.34 Bn - 33.56%
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn 14.04%
4 Capital One Financial 112.47 Bn 35.97 Bn - 35.91%
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn 10.81%
6 Synchrony Financial 24.26 Bn 3.70 Bn - 45.78%
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn 6,779.64%
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn -216.52%
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn 65.22%
10 Encore Capital 1.77 Bn 1.54 Bn 440.58 Mn -58.29%

Historic Data

Download Data
DateValue
Mar 31, 2026 -58.29%
Dec 31, 2025 112.10%
Sep 30, 2025 16.41%
Jun 30, 2025 81.18%
Mar 31, 2025 -80.82%
Dec 31, 2024 73.02%
Sep 30, 2024 2,601.60%
Jun 30, 2024 -2,484.42%
Mar 31, 2024 13.44%
Dec 31, 2023 -90.60%
Sep 30, 2023 -873.63%
Jun 30, 2023 -2,442.53%
Mar 31, 2023 137.38%
Dec 31, 2022 -720.70%
Sep 30, 2022 -162.71%
Jun 30, 2022 833.87%
Mar 31, 2022 -427.48%
Dec 31, 2021 148.53%
Sep 30, 2021 -96.85%
Jun 30, 2021 55.30%