Encore Capital (ECPG) Net Margin (2010 - 2026)

Encore Capital's (ECPG) quarterly Net Margin came in at 18.14% in Q1 2026, up 623.0% year-on-year from 2.51% in Q1 2025, and up 385.6% quarter-over-quarter from 6.35% in Q4 2025.

Encore Capital (ECPG) Net Margin (2010 - 2026) Analysis & Trends

Encore Capital has disclosed Net Margin across 17 years of filings, most recently posting 18.14% for Q1 2026.

  • Net Margin for Q1 2026 came in at 18.14%, up 623.0% year-over-year; the trailing twelve-month figure through Mar 2026 was 173.24% (up 19854.0% YoY), and the FY2025 annual result was 290.58%, up 45481.0% from the prior year.
  • Net Margin came in at 18.14% for Q1 2026 at Encore Capital, up from 6.35% in the prior quarter.
  • In the past five years, Net Margin ranged from a high of 672.18% in Q1 2022 to a low of 1097.72% in Q4 2024.
  • The 5-year median for Net Margin is 16.22% (2025), against an average of 4.44%.
  • Across the five-year window, Net Margin plunged 100011 bps in 2024 and surged 109137 bps in 2025, its largest moves.
  • Encore Capital's Net Margin stood at 317.96% in 2022, then jumped by 69 bps to 97.61% in 2023, then sank 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.
  • The last three Net Margin figures came in at 18.14% (Q1 2026), 6.35% (Q4 2025), and 16.22% (Q3 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Net Margin (Qtr)
1 Visa 541.66 Bn 529.25 Bn - 53.62%
2 Mastercard 437.55 Bn 427.34 Bn - 46.23%
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn 15.71%
4 Capital One Financial 112.47 Bn 35.97 Bn - 13.66%
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn 13.32%
6 Synchrony Financial 24.26 Bn 3.70 Bn - 16.44%
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn 30.76%
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn 15.15%
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn 13.84%
10 Encore Capital 1.77 Bn 1.54 Bn 440.58 Mn 18.14%

Historic Data

Download Data
DateValue
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%