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

Encore Capital (ECPG) posted Times Interest Earned of $2.52 for Q1 2026, up 9.23% sequentially from $2.31 in Q4 2025, and up 37.34% YoY from $1.83 in Q1 2025.

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

Encore Capital (ECPG) has 17 years of Times Interest Earned data on file, last reported 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 $2.3 (up 202.52% YoY) and the FY2025 annual result came in at $2.13, up 242.24% from the prior year.
  • Times Interest Earned climbed to $2.52 in Q1 2026 per ECPG's latest filing, from $2.31 in the prior quarter.
  • The five-year high for Times Interest Earned was $7.65 in Q1 2022, with the low at -$3.99 in Q4 2023.
  • Average Times Interest Earned over 5 years is $1.61, with a median of $1.76 recorded in 2023.
  • Year-over-year, Times Interest Earned plunged 7215.5% in 2023 and surged 217.71% in 2025.
  • Encore Capital's Times Interest Earned stood at -$0.05 in 2022, then sank 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 increased by 9.23% to $2.52 in 2026.
  • Business Quant data shows ECPG's Times Interest Earned at $2.52 in Q1 2026, $2.31 in Q4 2025, and $2.33 in Q3 2025.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Times Interest Earned (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 40.64
2 Mastercard 465.55 Bn 455.34 Bn - 26.52
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 1.80
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn -
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 0.78
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn 0.12
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 0.49
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 1.23
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn -
10 Encore Capital 2.04 Bn 1.81 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