Encore Capital (ECPG) Gross Margin (2010 - 2026)
Encore Capital (ECPG) posted Gross Margin of 92.67% for Q1 2026, down 10.02% sequentially from 103.0% in Q4 2025, and up 139.0% YoY from 38.78% in Q1 2025.
Encore Capital (ECPG) Gross Margin (2010 - 2026) Analysis & Trends
Encore Capital (ECPG) has 17 years of Gross Margin data on file, last reported at 92.67% in Q1 2026.
- Quarterly Gross Margin rose 139.0% year-over-year to 92.67% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 15.18% (down 5536.0% YoY) and the FY2025 annual result came in at 63.46%, down 918.0% from the prior year.
- Gross Margin slipped to 92.67% in Q1 2026 per ECPG's latest filing, from 103.0% in the prior quarter.
- The five-year high for Gross Margin was 103.0% in Q4 2025, with the low at 84.1% in Q4 2024.
- Average Gross Margin over 5 years is 25.95%, with a median of 3.37% recorded in 2022.
- Year-over-year, Gross Margin slumped 17353 bps in 2024 and soared 18710 bps in 2025.
- Encore Capital's Gross Margin stood at 24.0% in 2022, then soared by 473 bps to 89.43% in 2023, then sank by 194 bps to 84.1% in 2024, then soared by 222 bps to 103.0% in 2025, then decreased by 10 bps to 92.67% in 2026.
- Business Quant data shows ECPG's Gross Margin at 92.67% in Q1 2026, 103.0% in Q4 2025, and 91.95% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Gross Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | - |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | - |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 92.17% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 93.80% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 78.22% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 84.45% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 94.24% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 97.03% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 71.98% |
| 10 | Encore Capital | 2.04 Bn | 1.81 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% |