Encore Capital (ECPG) Interest Coverage Ratio (2010 - 2026)

Encore Capital (ECPG) posted Interest Coverage Ratio of 2.52 for Q1 2026, up 9.23% sequentially from 2.31 in Q4 2025, and up 37.34% YoY from 1.83 in Q1 2025.

Encore Capital (ECPG) Interest Coverage Ratio (2010 - 2026) Analysis & Trends

Encore Capital (ECPG) has 17 years of Interest Coverage Ratio data on file, last reported at 2.52 in Q1 2026.

  • Quarterly Interest Coverage Ratio rose 37.34% year-over-year to 2.52 in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 2.3 (up 202.52% YoY) and the FY2025 annual result came in at 2.13, up 242.24% from the prior year.
  • Interest Coverage Ratio climbed to 2.52 in Q1 2026 per ECPG's latest filing, from 2.31 in the prior quarter.
  • The five-year high for Interest Coverage Ratio was 7.65 in Q1 2022, with the low at 3.99 in Q4 2023.
  • Average Interest Coverage Ratio over 5 years is 1.61, with a median of 1.76 recorded in 2023.
  • Year-over-year, Interest Coverage Ratio plunged 7215.5% in 2023 and surged 217.71% in 2025.
  • Encore Capital's Interest Coverage Ratio stood at 0.05 in 2022, then sank by 7215.5% to 3.99 in 2023, then jumped by 50.84% to 1.96 in 2024, then surged by 217.71% to 2.31 in 2025, then increased by 9.23% to 2.52 in 2026.
  • Business Quant data shows ECPG's Interest Coverage Ratio at 2.52 in Q1 2026, 2.31 in Q4 2025, and 2.33 in Q3 2025.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Interest Cover (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 40.64
2 Mastercard 465.55 Bn 455.34 Bn - 26.52
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 1.80
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn -
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 0.78
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn 0.12
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 0.49
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 1.23
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn -
10 Encore Capital 2.04 Bn 1.81 Bn 440.58 Mn 2.52

Historic Data

Download Data
DateValue
Mar 31, 2026 2.52
Dec 31, 2025 2.31
Sep 30, 2025 2.33
Jun 30, 2025 2.04
Mar 31, 2025 1.83
Dec 31, 2024 -1.96
Sep 30, 2024 1.59
Jun 30, 2024 1.66
Mar 31, 2024 1.50
Dec 31, 2023 -3.99
Sep 30, 2023 1.49
Jun 30, 2023 1.76
Mar 31, 2023 1.50
Dec 31, 2022 -0.05
Sep 30, 2022 2.05
Jun 30, 2022 3.21
Mar 31, 2022 7.65
Dec 31, 2021 3.26
Sep 30, 2021 4.08
Jun 30, 2021 3.95