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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 - 2025)

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

  • For Q4 2025, Interest Coverage Ratio rose 217.71% year-over-year to 2.31; the TTM value through Dec 2025 reached 2.13, up 242.24%, while the annual FY2025 figure was 2.13, 242.24% up from the prior year.
  • Interest Coverage Ratio for Q4 2025 was 2.31 at Encore Capital, down from 2.33 in the prior quarter.
  • Across five years, Interest Coverage Ratio topped out at 7.65 in Q1 2022 and bottomed at 3.99 in Q4 2023.
  • The 5-year median for Interest Coverage Ratio is 1.94 (2025), against an average of 1.99.
  • The largest annual shift saw Interest Coverage Ratio skyrocketed 318.94% in 2021 before it tumbled 7215.5% in 2023.
  • A 5-year view of Interest Coverage Ratio shows it 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.
  • Per Business Quant, the three most recent readings for ECPG's Interest Coverage Ratio are 2.31 (Q4 2025), 2.33 (Q3 2025), and 2.04 (Q2 2025).