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.
Analysis
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.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Gross Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | - |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | - |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 91.60% |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | - |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | - |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | - |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | - |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 83.58% |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 90.90% |
| 10 | Encore Capital | 2.10 Bn | 1.92 Bn | 455.04 Mn | 92.51% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 92.51% |
| Mar 31, 2026 | 92.67% |
| Dec 31, 2025 | 92.36% |
| Sep 30, 2025 | 91.95% |
| Jun 30, 2025 | 91.63% |
| Mar 31, 2025 | 91.28% |
| Dec 31, 2024 | 85.77% |
| Sep 30, 2024 | 91.34% |
| Jun 30, 2024 | 91.32% |
| Mar 31, 2024 | 90.75% |
| Dec 31, 2023 | 89.43% |
| Sep 30, 2023 | 90.97% |
| Jun 30, 2023 | 91.84% |
| Mar 31, 2023 | 91.19% |
| Dec 31, 2022 | 87.81% |
| Sep 30, 2022 | 90.81% |
| Jun 30, 2022 | 92.32% |
| Mar 31, 2022 | 94.59% |
| Dec 31, 2021 | 92.99% |
| Sep 30, 2021 | 93.89% |