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| 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% |