Encore Capital (ECPG) Gross Margin (2010 - 2026)
Encore Capital's (ECPG) quarterly Gross Margin came in at 92.67% in Q1 2026, up 139.0% year-on-year from 38.78% in Q1 2025, and down 10.02% quarter-over-quarter from 103.0% in Q4 2025.
Encore Capital (ECPG) Gross Margin (2010 - 2026) Analysis & Trends
Encore Capital has disclosed Gross Margin across 17 years of filings, most recently posting 92.67% for Q1 2026.
- Gross Margin for Q1 2026 came in at 92.67%, up 139.0% year-over-year; the trailing twelve-month figure through Mar 2026 was 15.18% (down 5536.0% YoY), and the FY2025 annual result was 63.46%, down 918.0% from the prior year.
- Gross Margin came in at 92.67% for Q1 2026 at Encore Capital, down from 103.0% in the prior quarter.
- In the past five years, Gross Margin ranged from a high of 103.0% in Q4 2025 to a low of 84.1% in Q4 2024.
- The 5-year median for Gross Margin is 3.37% (2022), against an average of 25.95%.
- Across the five-year window, Gross Margin plunged 17353 bps in 2024 and surged 18710 bps in 2025, its largest moves.
- Encore Capital's Gross Margin stood at 24.0% in 2022, then soared by 473 bps to 89.43% in 2023, then plunged by 194 bps to 84.1% in 2024, then soared by 222 bps to 103.0% in 2025, then declined by 10 bps to 92.67% in 2026.
- The last three Gross Margin figures came in at 92.67% (Q1 2026), 103.0% (Q4 2025), and 91.95% (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Gross Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | - |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | - |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 92.17% |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | - |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 93.80% |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | - |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 78.22% |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 84.45% |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 94.24% |
| 10 | Encore Capital | 1.77 Bn | 1.54 Bn | 440.58 Mn | 92.67% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 92.67% |
| Dec 31, 2025 | 103.00% |
| Sep 30, 2025 | 91.95% |
| Jun 30, 2025 | 91.63% |
| Mar 31, 2025 | 91.28% |
| Dec 31, 2024 | -84.10% |
| Sep 30, 2024 | -39.66% |
| Jun 30, 2024 | -46.14% |
| Mar 31, 2024 | 90.75% |
| Dec 31, 2023 | 89.43% |
| Sep 30, 2023 | -40.55% |
| Jun 30, 2023 | -25.42% |
| Mar 31, 2023 | -22.01% |
| Dec 31, 2022 | -24.00% |
| Sep 30, 2022 | 90.81% |
| Jun 30, 2022 | -15.21% |
| Mar 31, 2022 | -3.37% |
| Dec 31, 2021 | 92.99% |
| Sep 30, 2021 | 93.89% |
| Jun 30, 2021 | 93.40% |