Encore Capital (ECPG) Times Interest Earned (2010 - 2026)
Encore Capital's (ECPG) quarterly Times Interest Earned came in at 2.53 in Q2 2026, up 24.06% year-over-year from 2.04 in Q2 2025, and little changed quarter-over-quarter from 2.52 in Q1 2026.
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Encore Capital (ECPG) Times Interest Earned (2010 - 2026) Analysis & Trends
Encore Capital has disclosed Times Interest Earned across 17 years of filings, most recently posting 2.53 for Q2 2026.
- In Q2 2026, Times Interest Earned rose 24.06% year-over-year to 2.53; the TTM figure through Jun 2026 stood at 2.42 (up 168.87% YoY), while the FY2025 annual figure was 2.13, up 242.24% from the prior year.
- Times Interest Earned came in at 2.53 for Q2 2026 at Encore Capital, roughly flat from 2.52 in the prior quarter.
- In the past five years, Times Interest Earned ranged from a high of 7.65 in Q1 2022 to a low of 3.99 in Q4 2023.
- Average Times Interest Earned over 5 years is 1.66, with a median of 1.8 recorded in 2025.
- Year-over-year, Times Interest Earned sank 7215.5% in 2023 and surged 217.71% in 2025.
- Over 5 years, Times Interest Earned stood at 0.05 in 2022, then slumped by 7215.5% to 3.99 in 2023, then jumped by 50.84% to 1.96 in 2024, then surged by 217.71% to 2.31 in 2025, then climbed by 9.67% to 2.53 in 2026.
- Per Business Quant data, the three most recent Times Interest Earned figures were 2.53 in Q2 2026, 2.52 in Q1 2026, and 2.31 in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Times Interest Earned (Qtr) |
|---|---|---|---|---|---|
| 1 | Orix | 44.18 Bn | 44.51 Bn | 4.68 Bn | 2.98 |
| 2 | Royalty Pharma | 33.59 Bn | 35.70 Bn | - | 1.42 |
| 3 | Royal Gold | 21.14 Bn | 21.00 Bn | 390.45 Mn | 27.97 |
| 4 | OR Royalties | 6.88 Bn | 6.81 Bn | 82.22 Mn | 23.43 |
| 5 | Encore Capital | 2.11 Bn | 1.93 Bn | 455.04 Mn | 2.53 |
| 6 | Atlanticus Holdings | 1.41 Bn | 851.50 Mn | 686.46 Mn | 4.28 |
| 7 | Jefferson Capital | 1.18 Bn | 1.16 Bn | - | 2.68 |
| 8 | Lufax Holding | 1.04 Bn | -1.23 Bn | - | -3.98 |
| 9 | Upbound | 998.67 Mn | 893.37 Mn | 594.84 Mn | 2.13 |
| 10 | Metalla Royalty & Streaming | 942.93 Mn | 931.86 Mn | 4.75 Mn | 7.70 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 2.53 |
| Mar 31, 2026 | 2.52 |
| Dec 31, 2025 | 2.31 |
| Sep 30, 2025 | 2.33 |
| Jun 30, 2025 | 2.04 |
| Mar 31, 2025 | 1.83 |
| Dec 31, 2024 | -1.96 |
| Sep 30, 2024 | 1.59 |
| Jun 30, 2024 | 1.66 |
| Mar 31, 2024 | 1.50 |
| Dec 31, 2023 | -3.99 |
| Sep 30, 2023 | 1.49 |
| Jun 30, 2023 | 1.76 |
| Mar 31, 2023 | 1.50 |
| Dec 31, 2022 | -0.05 |
| Sep 30, 2022 | 2.05 |
| Jun 30, 2022 | 3.21 |
| Mar 31, 2022 | 7.65 |
| Dec 31, 2021 | 3.26 |
| Sep 30, 2021 | 4.08 |