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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) Net Margin (2016 - 2026)

Encore Capital's Net Margin history spans 16 years, with the latest figure at 4.5% for Q4 2025.

  • On a quarterly basis, Net Margin rose 8933.0% to 4.5% in Q4 2025 year-over-year; TTM through Dec 2025 was 11.73%, a 2231.0% increase, with the full-year FY2025 number at 14.52%, up 2510.0% from a year prior.
  • Net Margin hit 4.5% in Q4 2025 for Encore Capital, down from 336.69% in the prior quarter.
  • Over the last five years, Net Margin for ECPG hit a ceiling of 336.69% in Q3 2025 and a floor of 1377.92% in Q4 2023.
  • Historically, Net Margin has averaged 20.36% across 5 years, with a median of 21.7% in 2021.
  • Biggest five-year swings in Net Margin: plummeted -138476bps in 2023 and later soared 129310bps in 2024.
  • Tracing ECPG's Net Margin over 5 years: stood at 21.29% in 2021, then tumbled by -68bps to 6.84% in 2022, then tumbled by -20254bps to 1377.92% in 2023, then surged by 94bps to 84.82% in 2024, then surged by 105bps to 4.5% in 2025.
  • Business Quant data shows Net Margin for ECPG at 4.5% in Q4 2025, 336.69% in Q3 2025, and 13.28% in Q2 2025.