Encore Capital (ECPG) Times Interest Earned (2010 - 2026)

Encore Capital's (ECPG) quarterly Times Interest Earned came in at $2.52 in Q1 2026, up 37.34% year-on-year from $1.83 in Q1 2025, and up 9.23% quarter-over-quarter from $2.31 in Q4 2025.

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 $2.52 for Q1 2026.

  • Times Interest Earned for Q1 2026 came in at $2.52, up 37.34% year-over-year; the trailing twelve-month figure through Mar 2026 was $2.3 (up 202.52% YoY), and the FY2025 annual result was $2.13, up 242.24% from the prior year.
  • Times Interest Earned came in at $2.52 for Q1 2026 at Encore Capital, up from $2.31 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.
  • The 5-year median for Times Interest Earned is $1.76 (2023), against an average of $1.61.
  • Across the five-year window, Times Interest Earned slumped 7215.5% in 2023 and jumped 217.71% in 2025, its largest moves.
  • Encore Capital's Times Interest Earned stood at -$0.05 in 2022, then plunged 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 advanced by 9.23% to $2.52 in 2026.
  • The last three Times Interest Earned figures came in at $2.52 (Q1 2026), $2.31 (Q4 2025), and $2.33 (Q3 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Times Interest Earned (Qtr)
1 Visa 541.66 Bn 529.25 Bn - 40.64
2 Mastercard 437.55 Bn 427.34 Bn - 26.52
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn 1.80
4 Capital One Financial 112.47 Bn 35.97 Bn - 1.66
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn -
6 Synchrony Financial 24.26 Bn 3.70 Bn - 2.08
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn 0.78
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn 0.12
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn 0.49
10 Encore Capital 1.77 Bn 1.54 Bn 440.58 Mn 2.52

Historic Data

Download Data
DateValue
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
Jun 30, 2021 3.95