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| Date | Value |
|---|---|
| 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 |