Balance Sheet
Cash Flow Statement
Daily Values
Growth Metrics
Income Statement
Others
Ratios
Asset Utilization RatioAssets AverageEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginGross MarginInterest Coverage RatioInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

Encore Capital (ECPG) Times Interest Earned (2016 - 2026)

Encore Capital's Times Interest Earned history spans 16 years, with the latest figure at $2.31 for Q4 2025.

  • On a quarterly basis, Times Interest Earned rose 217.71% to $2.31 in Q4 2025 year-over-year; TTM through Dec 2025 was $2.13, a 242.24% increase, with the full-year FY2025 number at $2.13, up 242.24% from a year prior.
  • Times Interest Earned hit $2.31 in Q4 2025 for Encore Capital, down from $2.33 in the prior quarter.
  • Over the last five years, Times Interest Earned for ECPG hit a ceiling of $7.65 in Q1 2022 and a floor of -$3.99 in Q4 2023.
  • Historically, Times Interest Earned has averaged $1.99 across 5 years, with a median of $1.94 in 2025.
  • Biggest five-year swings in Times Interest Earned: surged 318.94% in 2021 and later crashed 7215.5% in 2023.
  • Tracing ECPG's Times Interest Earned over 5 years: stood at $3.26 in 2021, then crashed by 101.67% to -$0.05 in 2022, then crashed by 7215.5% to -$3.99 in 2023, then surged by 50.84% to -$1.96 in 2024, then soared by 217.71% to $2.31 in 2025.
  • Business Quant data shows Times Interest Earned for ECPG at $2.31 in Q4 2025, $2.33 in Q3 2025, and $2.04 in Q2 2025.