Encore Capital ECPG
NASDAQ ECPG
$98.94 -3.04 (-2.98%)
At close: Aug 28, 2026 · 4:00 PM EDT

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

Encore Capital (ECPG) posted Times Interest Earned of $2.52 for Q1 2026, down 40.3% sequentially from $4.22 in Q4 2025, and up 37.34% YoY from $1.83 in Q1 2025.

Analysis

Encore Capital (ECPG) Times Interest Earned (2010 - 2026) Analysis & Trends

Encore Capital has reported Times Interest Earned for 17 years, with the latest figure at $2.52 in Q1 2026.

  • Quarterly Times Interest Earned rose 37.34% year-over-year to $2.52 in Q1 2026, while the trailing twelve-month figure through Mar 2026 was $2.6 (up 241.84% YoY) and the FY2025 annual result came in at $2.13, up 242.24% from the prior year.
  • Times Interest Earned fell to $2.52 in Q1 2026 per ECPG's latest filing, from $4.22 in the prior quarter.
  • Over five years, Times Interest Earned peaked at $7.65 in Q1 2022 and troughed at -$13.21 in Q4 2023.
  • A 5-year average of $1.18 and a median of $1.76 in 2023 frame the typical range for Times Interest Earned.
  • The sharpest annual moves came in 2023 and 2025: Times Interest Earned tumbled 24153.44% in 2023, then jumped 315.37% in 2025.
  • Over 5 years, Times Interest Earned stood at -$0.05 in 2022, then sank by 24153.44% to -$13.21 in 2023, then soared by 85.17% to -$1.96 in 2024, then soared by 315.37% to $4.22 in 2025, then sank by 40.3% to $2.52 in 2026.
  • According to Business Quant data, Times Interest Earned over the past three periods registered $2.52, $4.22, and $2.33 for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Set

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Times Interest Earned (Qtr)
1 Visa 680.39 Bn 668.03 Bn - 35.45
2 Mastercard 518.33 Bn 504.84 Bn - 25.63
3 American Express 224.91 Bn 175.59 Bn 17.99 Bn 1.79
4 Capital One Financial 132.31 Bn 77.60 Bn - 1.95
5 PayPal Holdings 46.25 Bn 35.00 Bn - -
6 Affirm Holdings 26.22 Bn 24.59 Bn - 1.24
7 Synchrony Financial 25.37 Bn 9.17 Bn - 2.22
8 SoFi Technologies 23.30 Bn 20.18 Bn 1.02 Bn 0.05
9 Ally Financial 12.85 Bn 5.01 Bn 2.08 Bn 0.50
10 Encore Capital 2.10 Bn 1.92 Bn 455.04 Mn 2.53
Historic Data

Historic Data

Download Data
DateValue
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