ENCORE CAPITAL GROUP INC
For the period ended Mar 31, 2026. Filed May 6, 2026.
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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.
Mar 31, 2026 · Filed May 6, 2026
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 EndedMarch 31, | ||
|---|---|---|
| 2026 | 2025 | |
| Revenues | ||
| Portfolio revenue | $390,019 | $345,218 |
| Changes in recoveries | 62,740 | 21,464 |
| Total debt purchasing revenue | 452,759 | 366,682 |
| Servicing revenue | 20,638 | 22,547 |
| Other revenues | 2,014 | 3,546 |
| Total revenues | 475,411 | 392,775 |
| Operating expenses | ||
| Salaries and employee benefits | 114,541 | 105,932 |
| Cost of legal collections | 89,221 | 68,013 |
| General and administrative expenses | 39,629 | 41,018 |
| Other operating expenses | 34,833 | 34,252 |
| Collection agency commissions | 6,337 | 6,873 |
| Depreciation and amortization | 6,858 | 7,344 |
| Total operating expenses | 291,419 | 263,432 |
| Income from operations | 183,992 | 129,343 |
| Other expense | ||
| Interest expense | (73,050) | (70,530) |
| Other income | 790 | 1,647 |
| Total other expense | (72,260) | (68,883) |
| Income before income taxes | 111,732 | 60,460 |
| Provision for income taxes | (25,489) | (13,664) |
| Net income | $86,243 | $46,796 |
| Earnings per share: | ||
| Basic | $3.97 | $1.96 |
| Diluted | $3.86 | $1.93 |
| Weighted average shares outstanding: | ||
| Basic | 21,728 | 23,879 |
| Diluted | 22,320 | 24,269 |
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