Encore Capital (ECPG) Operating Margin (2010 - 2026)
Encore Capital's (ECPG) quarterly Operating Margin came in at 38.7% in Q1 2026, up 577.0% year-on-year from 5.72% in Q1 2025, and up 369.37% quarter-over-quarter from 14.37% in Q4 2025.
Encore Capital (ECPG) Operating Margin (2010 - 2026) Analysis & Trends
Encore Capital has disclosed Operating Margin across 17 years of filings, most recently posting 38.7% for Q1 2026.
- Operating Margin for Q1 2026 came in at 38.7%, up 577.0% year-over-year; the trailing twelve-month figure through Mar 2026 was 398.36% (up 35394.0% YoY), and the FY2025 annual result was 708.97%, up 52341.0% from the prior year.
- Operating Margin came in at 38.7% for Q1 2026 at Encore Capital, up from 14.37% in the prior quarter.
- In the past five years, Operating Margin ranged from a high of 1013.59% in Q1 2022 to a low of 653.79% in Q4 2024.
- The 5-year median for Operating Margin is 37.62% (2025), against an average of 177.05%.
- Across the five-year window, Operating Margin plunged 70304 bps in 2023 and surged 63942 bps in 2025, its largest moves.
- Encore Capital's Operating Margin stood at 10.02% in 2022, then tumbled by 681 bps to 78.3% in 2023, then tumbled by 735 bps to 653.79% in 2024, then jumped by 98 bps to 14.37% in 2025, then jumped by 369 bps to 38.7% in 2026.
- The last three Operating Margin figures came in at 38.7% (Q1 2026), 14.37% (Q4 2025), and 37.62% (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 64.42% |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 58.43% |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 18.77% |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | - |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 17.81% |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | - |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 26.44% |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 3.39% |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 35.49% |
| 10 | Encore Capital | 1.77 Bn | 1.54 Bn | 440.58 Mn | 38.70% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 38.70% |
| Dec 31, 2025 | -14.37% |
| Sep 30, 2025 | 37.62% |
| Jun 30, 2025 | 34.09% |
| Mar 31, 2025 | 32.93% |
| Dec 31, 2024 | -653.79% |
| Sep 30, 2024 | 465.88% |
| Jun 30, 2024 | 482.49% |
| Mar 31, 2024 | 25.46% |
| Dec 31, 2023 | -78.30% |
| Sep 30, 2023 | 379.62% |
| Jun 30, 2023 | 419.23% |
| Mar 31, 2023 | 310.55% |
| Dec 31, 2022 | -10.02% |
| Sep 30, 2022 | 26.16% |
| Jun 30, 2022 | 500.03% |
| Mar 31, 2022 | 1,013.59% |
| Dec 31, 2021 | 34.71% |
| Sep 30, 2021 | 40.39% |
| Jun 30, 2021 | 40.75% |