Encore Capital (ECPG) Net Margin (2010 - 2026)
Encore Capital (ECPG) posted Net Margin of 18.14% for Q1 2026, up 385.6% sequentially from 6.35% in Q4 2025, and up 623.0% YoY from 2.51% in Q1 2025.
Encore Capital (ECPG) Net Margin (2010 - 2026) Analysis & Trends
Encore Capital (ECPG) has 17 years of Net Margin data on file, last reported at 18.14% in Q1 2026.
- Quarterly Net Margin rose 623.0% year-over-year to 18.14% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 173.24% (up 19854.0% YoY) and the FY2025 annual result came in at 290.58%, up 45481.0% from the prior year.
- Net Margin rose to 18.14% in Q1 2026 per ECPG's latest filing, from 6.35% in the prior quarter.
- The five-year high for Net Margin was 672.18% in Q1 2022, with the low at 1097.72% in Q4 2024.
- Average Net Margin over 5 years is 4.44%, with a median of 16.22% recorded in 2025.
- Year-over-year, Net Margin slumped 100011 bps in 2024 and soared 109137 bps in 2025.
- Encore Capital's Net Margin stood at 317.96% in 2022, then jumped by 69 bps to 97.61% in 2023, then slumped by 1025 bps to 1097.72% in 2024, then surged by 99 bps to 6.35% in 2025, then jumped by 386 bps to 18.14% in 2026.
- Business Quant data shows ECPG's Net Margin at 18.14% in Q1 2026, 6.35% in Q4 2025, and 16.22% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 53.62% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 46.23% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 15.71% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 13.32% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 30.76% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 15.15% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 13.84% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 21.04% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 14.05% |
| 10 | Encore Capital | 2.04 Bn | 1.81 Bn | 440.58 Mn | 18.14% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 18.14% |
| Dec 31, 2025 | -6.35% |
| Sep 30, 2025 | 16.22% |
| Jun 30, 2025 | 13.28% |
| Mar 31, 2025 | 11.91% |
| Dec 31, 2024 | -1,097.72% |
| Sep 30, 2024 | 134.56% |
| Jun 30, 2024 | 152.47% |
| Mar 31, 2024 | 7.08% |
| Dec 31, 2023 | -97.61% |
| Sep 30, 2023 | 97.22% |
| Jun 30, 2023 | 125.21% |
| Mar 31, 2023 | 82.47% |
| Dec 31, 2022 | -317.96% |
| Sep 30, 2022 | 10.23% |
| Jun 30, 2022 | 254.07% |
| Mar 31, 2022 | 672.18% |
| Dec 31, 2021 | 21.29% |
| Sep 30, 2021 | 20.25% |
| Jun 30, 2021 | 22.63% |