ENCORE CAPITAL GROUP INC
For the period ended Sep 30, 2025. Filed Nov 5, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 5, 2025
ECPG$108.02-3.5%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Condensed Consolidated Statements of Income
(In Thousands, Except Per Share Amounts)
(Unaudited)
| Three Months EndedSeptember 30, | Nine Months EndedSeptember 30, | |||
|---|---|---|---|---|
| 2025 | 2024 | 2025 | 2024 | |
| Revenues | ||||
| Portfolio revenue | $370,126 | $328,119 | $1,076,518 | $965,901 |
| Changes in recoveries | 63,636 | 12,675 | 140,699 | 6,020 |
| Total debt purchasing revenue | 433,762 | 340,794 | 1,217,217 | 971,921 |
| Servicing revenue | 22,175 | 22,772 | 67,022 | 64,258 |
| Other revenues | 4,416 | 3,505 | 11,011 | 14,563 |
| Total revenues | 460,353 | 367,071 | 1,295,250 | 1,050,742 |
| Operating expenses | ||||
| Salaries and employee benefits | 117,118 | 107,502 | 340,788 | 318,294 |
| Cost of legal collections | 80,010 | 67,339 | 227,672 | 190,309 |
| General and administrative expenses | 39,220 | 38,808 | 121,565 | 111,828 |
| Other operating expenses | 37,056 | 31,804 | 108,298 | 93,016 |
| Collection agency commissions | 6,601 | 7,370 | 21,848 | 22,308 |
| Depreciation and amortization | 7,170 | 8,158 | 21,825 | 23,467 |
| Total operating expenses | 287,175 | 260,981 | 841,996 | 759,222 |
| Income from operations | 173,178 | 106,090 | 453,254 | 291,520 |
| Other expense | ||||
| Interest expense | (74,242) | (66,906) | (218,715) | (184,047) |
| Other income | 929 | 1,578 | 3,802 | 6,291 |
| Total other expense | (73,313) | (65,328) | (214,913) | (177,756) |
| Income before income taxes | 99,865 | 40,762 | 238,341 | 113,764 |
| Provision for income taxes | (25,205) | (10,119) | (58,164) | (27,701) |
| Net income | $74,660 | $30,643 | $180,177 | $86,063 |
| Earnings per share: | ||||
| Basic | $3.22 | $1.28 | $7.66 | $3.61 |
| Diluted | $3.17 | $1.26 | $7.57 | $3.54 |
| Weighted average shares outstanding: | ||||
| Basic | 23,222 | 23,912 | 23,534 | 23,859 |
| Diluted | 23,520 | 24,407 | 23,789 | 24,324 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.