Encore Capital (ECPG) Interest Coverage Ratio (2010 - 2026)
Encore Capital (ECPG) posted Interest Coverage Ratio of 2.52 for Q1 2026, down 40.3% sequentially from 4.22 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 has reported Interest Coverage Ratio for 17 years, with the latest figure 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 2.6 (up 241.84% YoY) and the FY2025 annual result came in at 2.13, up 242.24% from the prior year.
- Interest Coverage Ratio fell to 2.52 in Q1 2026 per ECPG's latest filing, from 4.22 in the prior quarter.
- Over five years, Interest Coverage Ratio peaked at 7.65 in Q1 2022 and troughed at 13.21 in Q4 2023.
- A 5-year average of 1.18 and a median of 1.76 in 2023 frame the typical range for Interest Coverage Ratio.
- The sharpest annual moves came in 2023 and 2025: Interest Coverage Ratio tumbled 24153.44% in 2023, then jumped 315.37% in 2025.
- Over 5 years, Interest Coverage Ratio stood at 0.05 in 2022, then sank by 24153.44% to 13.21 in 2023, then soared by 85.17% to 1.96 in 2024, then soared by 315.37% to 4.22 in 2025, then sank by 40.3% to 2.52 in 2026.
- According to Business Quant data, Interest Coverage Ratio over the past three periods registered 2.52, 4.22, and 2.33 for Q1 2026, Q4 2025, and Q3 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 35.45 |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 25.63 |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 1.79 |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 1.53 |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 1.46 |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 2.22 |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 0.78 |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -3.03 |
| 10 | Encore Capital | 2.11 Bn | 1.89 Bn | -14.20 Mn | 2.52 |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 2.52 |
| Dec 31, 2025 | 4.22 |
| 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 | -13.21 |
| 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 | 1.79 |
| Sep 30, 2021 | 4.08 |
| Jun 30, 2021 | 3.95 |