Encore Capital (ECPG) Gross Margin (2010 - 2026)
Encore Capital (ECPG) posted Gross Margin of 68.78% for Q1 2026, up 0.79% sequentially from 69.33% in Q4 2025, and down 1687.0% YoY from 4.33% in Q1 2025.
Encore Capital (ECPG) Gross Margin (2010 - 2026) Analysis & Trends
Encore Capital has reported Gross Margin for 17 years, with the latest figure at 68.78% in Q1 2026.
- Quarterly Gross Margin fell 1687.0% year-over-year to 68.78% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 72.35% (down 1005.0% YoY) and the FY2025 annual result came in at 63.46%, down 918.0% from the prior year.
- Gross Margin climbed to 68.78% in Q1 2026 per ECPG's latest filing, from 69.33% in the prior quarter.
- Over five years, Gross Margin peaked at 102.67% in Q4 2022 and troughed at 84.1% in Q4 2024.
- A 5-year average of 17.49% and a median of 15.21% in 2022 frame the typical range for Gross Margin.
- The sharpest annual moves came in 2023 and 2024: Gross Margin jumped 11959 bps in 2023, then slumped 18157 bps in 2024.
- Over 5 years, Gross Margin stood at 102.67% in 2022, then fell by 5 bps to 97.47% in 2023, then tumbled by 186 bps to 84.1% in 2024, then rose by 18 bps to 69.33% in 2025, then rose by 1 bps to 68.78% in 2026.
- According to Business Quant data, Gross Margin over the past three periods registered 68.78%, 69.33%, and 91.95% for Q1 2026, Q4 2025, and Q3 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Gross Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | - |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | - |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 91.60% |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | - |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | - |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | - |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | - |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -32.14% |
| 10 | Encore Capital | 2.11 Bn | 1.89 Bn | -14.20 Mn | -68.78% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | -68.78% |
| Dec 31, 2025 | -69.33% |
| Sep 30, 2025 | 91.95% |
| Jun 30, 2025 | -65.87% |
| Mar 31, 2025 | -51.91% |
| Dec 31, 2024 | -84.10% |
| Sep 30, 2024 | 91.34% |
| Jun 30, 2024 | 91.32% |
| Mar 31, 2024 | -49.01% |
| Dec 31, 2023 | 97.47% |
| Sep 30, 2023 | 90.97% |
| Jun 30, 2023 | 91.84% |
| Mar 31, 2023 | -22.01% |
| Dec 31, 2022 | 102.67% |
| Sep 30, 2022 | -28.62% |
| Jun 30, 2022 | -15.21% |
| Mar 31, 2022 | 94.59% |
| Dec 31, 2021 | 98.35% |
| Sep 30, 2021 | 13.97% |
| Jun 30, 2021 | 11.96% |