Encore Capital Group, Inc.

ECPG

ECPGEncore Capital Group, Inc. US flag

NASDAQ Global Select

78.15

USD

+0.06

- -

1.68BMarket Cap

Income Statement (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	449	557	773	1,043	1,130	1,029	1,187	1,362	1,398	1,501	1,614	1,398	1,223	1,316	1,769
+ Sales & Services Revenue	449	557	773	1,043	1,130	1,029	1,187	1,362	1,398	1,501	1,614	1,398	1,223	1,316	1,769
- Cost of Revenue	249	285	385	478	530	518	560	622	643	667	687	629	651	713	803
+ Cost of Goods & Services	249	285	385	478	530	518	560	622	643	667	687	629	651	713	803
Gross Profit	200	272	388	565	600	511	628	740	755	834	928	770	571	604	966
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	80	117	190	257	318	270	303	335	298	301	295	303	298	327	339
+ Selling, General & Admin	40	62	110	140	191	134	158	158	148	149	138	146	145	164	166
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	40	55	80	117	126	136	145	176	149	152	157	158	153	163	173
Operating Income (Loss)	120	155	198	308	282	242	325	405	457	534	633	466	273	276	627
- Non-Operating (Income) Loss	22	25	77	167	184	184	193	249	256	251	197	155	454	373	290
+ Interest Expense, Net	19	13	53	130	146	186	204	237	218	209	170	153	202	238	280
+ Interest Expense	19	23	69	158	175	186	204	237	218	209	170	153	202	238	280
- Interest Income	- -	10	16	28	28	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	2	12	25	37	38	-2	-11	11	38	41	27	2	252	135	10
Pretax Income	99	130	121	142	98	57	131	156	201	283	437	311	-180	-96	336
- Income Tax Expense (Benefit)	38	52	45	49	27	38	52	47	32	70	85	116	26	43	79
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	61	79	75	93	71	19	79	110	169	213	351	195	-206	-139	257
- Net Extraordinary Losses (Gains)	- -	9	-1	-16	28	-117	-8	-12	2	1	1	- -	- -	- -	- -
+ Discontinued Operations	- -	-9	-2	5	-23	-2	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	-1	18	- -	-21	51	-115	-8	-12	2	1	1	- -	- -	- -	- -
Income (Loss) Incl. MI	61	69	77	109	43	136	87	122	167	211	350	195	-206	-139	257
- Minority Interest	- -	- -	2	5	-2	60	4	6	-1	-1	- -	- -	- -	- -	- -
Net Income, GAAP	61	69	75	104	45	77	83	116	168	212	351	195	-206	-139	257
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	61	69	75	104	45	77	83	116	168	212	351	195	-206	-139	257
EBIT	120	155	198	308	282	242	325	405	457	534	633	466	273	276	627
EBITDA	125	161	212	336	315	276	365	447	498	576	683	513	315	309	655
EBITDA Margin (%)	27.82	28.9	27.4	32.16	27.91	26.85	30.71	32.78	35.64	38.39	42.33	36.66	25.78	23.47	37.05
EBITA	120	155	198	308	282	242	325	405	457	534	633	466	273	276	627
Gross Margin (%)	44.51	48.79	50.21	54.19	53.1	49.66	52.87	54.32	54	55.57	57.48	55.04	46.72	45.85	54.6
Operating Margin (%)	26.78	27.85	25.65	29.56	24.98	23.46	27.34	29.76	32.7	35.54	39.22	33.34	22.37	21	35.43
Profit Margin (%)	13.58	12.48	9.74	9.94	3.99	7.44	7.01	8.51	12.01	14.11	21.73	13.91	-16.89	-10.58	14.52
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Depreciation Expense	5	6	14	27	33	35	40	41	41	43	50	46	42	32	29
Basic Weighted Avg Shares	25	25	25	26	26	26	26	28	31	31	30	24	24	24	23
Basic EPS, GAAP	2.48	2.8	3.05	4.01	1.75	2.98	3.2	4.09	5.38	6.74	11.64	8.06	-8.72	-5.83	11.05
Basic EPS from Cont Ops	2.47	3.16	3.06	3.6	2.75	0.75	3.05	3.88	5.41	6.76	11.66	8.06	-8.72	-5.83	11.05
Diluted Weighted Avg Shares	26	26	26	27	27	26	26	29	31	32	31	26	24	24	24
Diluted EPS, GAAP	2.37	2.69	2.87	3.77	1.69	2.96	3.15	4.06	5.33	6.68	11.26	7.46	-8.72	-5.83	10.91
Diluted EPS from Cont Ops	2.36	3.04	2.88	3.39	2.66	0.74	3	3.84	5.37	6.7	11.27	7.46	-8.72	-5.83	10.91

Balance Sheet (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	16	163	392	457	595	223	378	284	265	278	259	209	200	276	240
+ Cash, Cash Equivalents & STI	8	18	126	124	124	150	212	157	192	189	190	144	158	200	157
+ Cash & Cash Equivalents	8	18	126	124	124	150	212	157	192	189	190	144	158	200	157
+ ST Investments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accounts & Notes Receiv	2	139	238	294	34	34	63	75	45	27	23	16	9	30	34
+ Accounts Receivable, Net	2	- -	9	8	14	15	26	28	28	27	23	16	9	19	21
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	139	229	286	20	19	38	47	17	- -	- -	- -	- -	11	13
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	5	6	28	38	437	40	102	52	28	63	46	49	33	46	49
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	797	1,008	2,293	3,293	3,580	3,447	4,113	4,347	4,645	4,586	4,350	4,300	4,430	4,514	5,100
+ Property, Plant & Equip, Net	18	23	56	67	73	72	76	116	195	199	189	184	171	139	139
+ Property, Plant & Equip	44	54	116	144	173	181	206	231	298	329	342	339	340	323	342
- Accumulated Depreciation	26	30	60	77	100	109	130	115	102	130	153	155	169	184	203
+ LT Investments & Receivables	716	873	1,590	2,144	2,441	2,383	2,891	3,138	3,284	3,292	3,066	3,088	3,468	3,776	4,372
+ LT Investments	716	873	1,590	2,144	2,441	2,383	2,891	3,138	3,284	3,292	3,066	3,088	3,468	3,776	4,372
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	63	112	647	1,083	1,067	992	1,146	1,094	1,165	1,095	1,095	1,027	791	599	589
+ Total Intangible Assets	16	56	528	919	941	813	1,005	929	936	952	934	843	606	508	536
+ Goodwill	16	55	504	898	925	785	929	868	884	907	898	821	606	508	536
+ Other Intangible Assets	- -	- -	24	22	16	28	76	61	51	45	36	22	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	46	56	119	163	126	179	141	165	230	143	161	184	185	91	53
Total Assets	812	1,171	2,685	3,750	4,175	3,670	4,491	4,632	4,910	4,865	4,608	4,508	4,630	4,790	5,340
+ Payables & Accruals	30	44	137	232	291	234	285	288	224	216	230	198	190	234	230
+ Accounts Payable	30	44	137	232	291	234	285	288	224	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	-3	- -	- -	- -	- -	- -	- -	- -	216	230	198	190	234	230
+ ST Debt	305	258	356	591	731	686	576	727	1,086	628	514	68	29	- -	- -
+ ST Borrowings	305	258	356	591	731	686	576	727	1,086	628	514	68	29	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	- -	- -	- -	232	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	- -	- -	- -	232	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Current Liabilities	335	302	493	823	1,254	920	861	1,015	1,310	843	744	267	219	234	230
+ LT Debt	84	448	1,494	2,182	2,213	2,120	2,871	2,764	2,427	2,654	2,483	2,830	3,289	3,673	4,001
+ LT Borrowings	75	439	1,482	2,167	2,202	2,115	2,865	2,756	2,419	2,646	2,476	2,825	3,286	3,672	4,001
+ LT Finance Leases	9	9	12	15	11	5	6	8	8	8	7	6	3	1	1
+ Other LT Liabilities	22	16	95	80	59	30	35	34	147	147	196	232	186	116	131
+ Accrued Liabilities	16	8	7	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	7	7	88	80	59	30	35	34	147	147	196	232	186	116	131
Total Noncurrent Liabilities	106	464	1,590	2,262	2,272	2,150	2,906	2,797	2,574	2,801	2,679	3,062	3,475	3,789	4,133
Total Liabilities	441	766	2,083	3,085	3,526	3,070	3,767	3,812	3,885	3,644	3,423	3,329	3,694	4,022	4,363
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	124	88	172	126	111	104	43	209	223	231	- -	- -	11	20	- -
+ Common Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	123	88	172	125	111	103	43	208	223	230	- -	- -	11	19	- -
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	250	319	395	498	543	561	616	720	888	1,056	1,239	1,278	1,049	910	1,105
+ Other Equity	-2	-2	5	-1	-58	-105	-77	-111	-89	-69	-54	-99	-124	-162	-128
Equity Before Minority Interest	372	406	572	632	603	562	582	818	1,022	1,218	1,185	1,180	937	767	977
+ Minority/Non Controlling Interest	- -	- -	31	33	46	38	142	2	3	2	- -	- -	- -	- -	- -
Total Equity	372	406	602	665	648	601	724	820	1,025	1,220	1,185	1,180	937	767	977
Total Liabilities & Equity	812	1,171	2,685	3,750	4,175	3,670	4,491	4,632	4,910	4,865	4,608	4,508	4,630	4,790	5,340
Shares Outstanding	25	23	25	26	25	26	26	31	31	31	25	23	24	24	22
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	9	9	12	15	11	5	6	8	8	8	7	6	3	1	1
Net Debt	372	679	1,712	2,634	2,809	2,651	3,229	3,326	3,313	3,084	2,801	2,749	3,157	3,472	3,844
Net Debt to Equity	100.11	167.38	284.16	396.14	433.16	441.48	446	405.72	323.07	252.78	236.29	233.06	337.08	452.46	393.54
Tangible Common Equity Ratio	44.61	31.37	3.46	-8.99	-9.03	-7.45	-8.06	-2.94	2.26	6.85	6.84	9.18	8.2	6.06	9.17
Current Ratio	0.05	0.54	0.8	0.55	0.47	0.24	0.44	0.28	0.2	0.33	0.35	0.78	0.91	1.18	1.04
Cash Conversion Cycle	-38.9	-46.34	-83.75	-138.05	-176.46	-179.82	-163.08	-160.79	-138.02	-54.67	5.56	5.05	3.76	3.89	4.13

Cash Flow Statement (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	61	72	74	91	71	19	79	110	169	213	351	195	-206	-139	257
+ Depreciation & Amortization	5	6	14	27	33	35	40	41	41	43	50	46	42	32	29
+ Non-Cash Items	13	7	-12	-33	34	67	34	32	96	109	-101	7	312	235	-139
+ Stock-Based Compensation	8	9	13	17	22	13	10	13	13	17	18	15	14	14	18
+ Deferred Income Taxes	-2	-7	-28	-48	-17	-53	29	17	21	9	35	46	-56	-22	30
+ Asset Impairment Charge	- -	10	- -	- -	49	- -	- -	- -	11	- -	- -	4	257	119	- -
+ Other Non-Cash Adj	8	-5	4	-2	-21	107	-6	2	52	84	-155	-58	97	124	-187
+ Chg in Non-Cash Work Cap	6	14	-1	21	-20	7	-29	4	-61	-51	3	-38	5	28	6
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	6	7	- -	22	-35	25	-27	24	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	3	4	11	10	43	2	2	16	-62	-18	-36	-31	-10	56	-4
+ Inc (Dec) in Other	-4	3	-12	-11	-28	-20	-4	-36	1	-34	39	-7	16	-28	10
+ Net Cash From Disc Ops	- -	- -	- -	5	-2	2	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	85	99	75	112	116	130	124	187	245	313	303	211	153	156	153
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	31	28	53	56	38
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	31	28	53	56	38
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-6	-6	-13	-23	-29	-32	-28	-67	-40	-35	-50	-77	-52	-29	-26
+ Acq of Fixed Prod Assets	-6	-6	-13	-23	-29	-32	-28	-67	-40	-35	-50	-77	-52	-29	-26
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	-49	-1	-17	-33	- -	- -	- -	- -	- -	-391	-87	- -	- -	-90
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	-49	-1	-17	-33	- -	- -	- -	- -	- -	-391	-87	- -	- -	-90
+ Net Change in LT Investment	-83	-152	297	-229	-114	-239	-336	-321	-170	93	362	-81	-402	-477	-252
+ Dec in LT Investment	301	407	546	634	636	668	709	810	866	737	1,020	709	658	860	1,137
+ Inc in LT Investment	-384	-559	-250	-863	-750	-907	-1,046	-1,131	-1,035	-644	-657	-791	-1,060	-1,336	-1,389
+ Net Cash From Acq & Div	- -	-187	-449	-446	-277	105	-96	-2	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	106	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	-187	-449	-446	-277	-1	-96	-2	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	- -	2	-52	-57	-54	-3	9	-7	7	24	-3	- -	-1	9	-2
+ Net Cash From Disc Ops	- -	- -	- -	-52	-52	15	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-88	-344	-217	-755	-473	-169	-452	-398	-202	83	340	-130	-402	-440	-243
+ Dividends Paid	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Debt	-1	331	300	857	646	51	702	823	34	-750	-327	267	483	352	150
+ Cash From Debt	146	623	984	3,270	2,501	1,651	3,377	2,057	1,762	4,955	1,998	1,559	2,726	3,031	1,773
+ Repayments of Debt	-147	-292	-684	-2,413	-1,855	-1,600	-2,675	-1,234	-1,728	-5,705	-2,325	-1,292	-2,244	-2,679	-1,624
+ Other Financing Activities	2	-27	-54	-214	-213	-8	-324	-657	-53	347	62	-288	-214	-34	-14
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	1	255	246	626	400	43	378	166	-20	-403	-656	-107	268	318	45
Effect of Foreign Exchange Rates	- -	- -	5	15	-14	-9	12	-10	12	4	13	-19	-5	8	1
Net Changes in Cash	-3	9	104	-17	44	5	50	-44	23	-8	-13	-27	19	34	-45
EBITDA	125	161	212	336	315	276	365	447	498	576	683	513	315	309	655
EBITDA Margin (%)	27.82	28.9	27.4	32.16	27.91	26.85	30.71	32.78	35.64	38.39	42.33	36.66	25.78	23.47	37.05
Free Cash Flow	79	92	61	88	88	99	96	119	205	278	253	134	101	127	127
Net Cash Paid for Acquisitions	- -	187	449	446	277	-105	96	2	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	91	106	104	192	214	161	219	286	388	436	389	230	- -	- -	341
Free Cash Flow to Equity	78	423	362	946	734	150	798	942	239	-472	-44	429	637	536	314
Free Cash Flow per Basic Share	3.22	3.71	2.49	3.42	3.4	3.84	3.68	4.21	6.57	8.85	8.38	5.56	4.28	5.32	5.46
Price/Free Cash Flow	6.06	7.55	14.93	9.07	5.35	4.58	7.32	2.64	3.91	3.55	5.47	4.35	5.87	6.15	7.13
Cash Flow to Net Income	1.39	1.42	0.99	1.08	2.57	1.7	1.49	1.61	1.46	1.48	0.86	1.08	-0.74	-1.12	0.6
Capital Expenditures	-6	-6	-13	-23	-29	-32	-28	-67	-40	-35	-50	-77	-52	-29	-26