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
DateValue
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%