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.
Analysis
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 Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Income - Net (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | - |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | - |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 4.65 Bn |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 12.37 Bn |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | - |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 448.78 Mn |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 4.61 Bn |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 788.20 Mn |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 1.95 Bn |
| 10 | Encore Capital | 2.10 Bn | 1.92 Bn | 455.04 Mn | 417.97 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 417.97 Mn |
| Mar 31, 2026 | 402.36 Mn |
| Dec 31, 2025 | 398.36 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 | 222.89 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 | 319.22 Mn |
| Sep 30, 2021 | 371.75 Mn |