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Asset Utilization RatioAssets AverageEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginGross MarginInterest Coverage RatioInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

Encore Capital (ECPG) Interest Coverage Ratio (2016 - 2026)

Encore Capital's Interest Coverage Ratio history spans 16 years, with the latest figure at 2.31 for Q4 2025.

  • On a quarterly basis, Interest Coverage Ratio rose 217.71% to 2.31 in Q4 2025 year-over-year; TTM through Dec 2025 was 2.13, a 242.24% increase, with the full-year FY2025 number at 2.13, up 242.24% from a year prior.
  • Interest Coverage Ratio hit 2.31 in Q4 2025 for Encore Capital, down from 2.33 in the prior quarter.
  • Over the last five years, Interest Coverage Ratio for ECPG hit a ceiling of 7.65 in Q1 2022 and a floor of 3.99 in Q4 2023.
  • Historically, Interest Coverage Ratio has averaged 1.99 across 5 years, with a median of 1.94 in 2025.
  • Biggest five-year swings in Interest Coverage Ratio: surged 318.94% in 2021 and later crashed 7215.5% in 2023.
  • Tracing ECPG's Interest Coverage Ratio over 5 years: stood at 3.26 in 2021, then crashed by 101.67% to 0.05 in 2022, then crashed by 7215.5% to 3.99 in 2023, then surged by 50.84% to 1.96 in 2024, then soared by 217.71% to 2.31 in 2025.
  • Business Quant data shows Interest Coverage Ratio for ECPG at 2.31 in Q4 2025, 2.33 in Q3 2025, and 2.04 in Q2 2025.