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 | 548.22 Bn | 535.81 Bn | - | 40.64 |
| 2 | Mastercard | 437.48 Bn | 427.27 Bn | - | 26.52 |
| 3 | American Express | 231.87 Bn | 177.83 Bn | 17.43 Bn | 1.80 |
| 4 | Capital One Financial | 125.74 Bn | 49.24 Bn | - | 1.66 |
| 5 | PayPal Holdings | 38.80 Bn | 29.46 Bn | 7.84 Bn | - |
| 6 | Synchrony Financial | 25.78 Bn | 5.22 Bn | - | 2.08 |
| 7 | Affirm Holdings | 24.65 Bn | 22.93 Bn | 261.64 Mn | 0.78 |
| 8 | SoFi Technologies | 22.89 Bn | 19.49 Bn | 929.25 Mn | 0.12 |
| 9 | Ally Financial | 14.15 Bn | 13.70 Bn | 1.98 Bn | 0.49 |
| 10 | Encore Capital | 1.80 Bn | 1.57 Bn | 440.58 Mn | 2.52 |
Historic Data
Download Data| Date | Value |
|---|---|
| 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 |