Encore Capital (ECPG) Interest Income - Net (2012 - 2026)

Encore Capital (ECPG) posted Interest Income - Net of $402.4 million for Q1 2026, down 6.96% sequentially from $432.5 million in Q4 2025, and up 24.86% YoY from $322.2 million in Q1 2025.

Encore Capital (ECPG) Interest Income - Net (2012 - 2026) Analysis & Trends

Encore Capital has reported Interest Income - Net for 14 years, with the latest figure at $402.4 million in Q1 2026.

  • Quarterly Interest Income - Net rose 24.86% year-over-year to $402.4 million in Q1 2026, while the trailing twelve-month figure through Mar 2026 was $1.6 billion (up 42.72% YoY) and the FY2025 annual result came in at $1.5 billion, up 38.64% from the prior year.
  • Interest Income - Net retreated to $402.4 million in Q1 2026 per ECPG's latest filing, from $432.5 million in the prior quarter.
  • Over five years, Interest Income - Net peaked at $465.0 million in Q1 2022 and troughed at $191.7 million in Q4 2022.
  • A 5-year average of $310.5 million and a median of $293.9 million in 2024 frame the typical range for Interest Income - Net.
  • The sharpest annual moves came in 2023 and 2025: Interest Income - Net plunged 42.85% in 2023, then jumped 119.39% in 2025.
  • Over 5 years, Interest Income - Net stood at $191.7 million in 2022, then surged by 36.14% to $260.9 million in 2023, then retreated by 24.46% to $197.1 million in 2024, then surged by 119.39% to $432.5 million in 2025, then slipped by 6.96% to $402.4 million in 2026.
  • According to Business Quant data, Interest Income - Net over the past three periods registered $402.4 million, $432.5 million, and $386.1 million for Q1 2026, Q4 2025, and Q3 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Interest Income - Net (Qtr)
1 Visa 618.21 Bn 605.85 Bn - -
2 Mastercard 506.53 Bn 493.04 Bn - -
3 American Express 232.32 Bn 183.00 Bn 17.99 Bn 4.65 Bn
4 Capital One Financial 136.19 Bn 81.48 Bn - 12.37 Bn
5 PayPal Holdings 52.34 Bn 41.08 Bn - -
6 Eason Technology 35.89 Bn 35.89 Bn - -
7 Synchrony Financial 26.09 Bn 9.90 Bn - 4.61 Bn
8 Affirm Holdings 25.93 Bn 24.20 Bn - 418.69 Mn
9 SoFi Technologies 23.04 Bn 22.68 Bn -41.62 Mn 692.99 Mn
10 Encore Capital 2.11 Bn 1.89 Bn -14.20 Mn 402.36 Mn

Historic Data

Download Data
DateValue
Mar 31, 2026 402.36 Mn
Dec 31, 2025 432.46 Mn
Sep 30, 2025 386.11 Mn
Jun 30, 2025 368.18 Mn
Mar 31, 2025 322.25 Mn
Dec 31, 2024 197.12 Mn
Sep 30, 2024 300.17 Mn
Jun 30, 2024 293.91 Mn
Mar 31, 2024 272.62 Mn
Dec 31, 2023 260.95 Mn
Sep 30, 2023 259.06 Mn
Jun 30, 2023 273.06 Mn
Mar 31, 2023 265.80 Mn
Dec 31, 2022 191.68 Mn
Sep 30, 2022 268.44 Mn
Jun 30, 2022 319.86 Mn
Mar 31, 2022 465.05 Mn
Dec 31, 2021 287.99 Mn
Sep 30, 2021 371.75 Mn
Jun 30, 2021 383.58 Mn