Encore Capital Group, Inc. (ECPG) quarterly balance sheet — complete assets, liabilities & equity history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Total Current Assets | 4.66B | 191.03M | 251.18M | 248.03M | 238.32M | 245.87M | 340.24M | 329.38M | 230.69M | 209.09M | 238.76M | 277.62M | 228.51M | 208.64M | 186.49M | 195.61M | 211.55M | 258.51M | 211.15M | 253.75M |
| Cash & Short-Term Investments | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash Only | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Short-Term Investments | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Days Sales Outstanding | 425.48 | 6.65 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Days Inventory Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Non-Current Assets | 608.78M | 5.15B | 5.01B | 4.94B | 4.73B | 4.54B | 731.68M | 4.49B | 4.46B | 4.42B | 4.52B | 4.6B | 4.46B | 4.3B | 4.14B | 4.26B | 4.4B | 4.35B | 4.34B | 4.43B |
| Property, Plant & Equipment | 79.29M | 138.71M | 142.08M | 145.11M | 141.86M | 138.69M | 164.61M | 162.67M | 166.02M | 170.98M | 170.55M | 178.6M | 181.6M | 183.97M | 175.92M | 187.99M | 182.58M | 188.67M | 193.06M | 189.24M |
| Fixed Asset Turnover | 4.34x | 3.37x | 3.21x | 3.08x | 2.80x | 1.75x | 2.24x | 2.16x | 1.95x | 1.62x | 1.77x | 1.79x | 1.71x | 1.30x | 1.69x | 1.93x | 2.69x | 1.87x | 2.16x | 2.23x |
| Goodwill | 529.49M | 0 | 535.63M | 542.91M | 519.41M | 507.81M | 628.13M | 602.81M | 602.4M | 606.48M | 826.01M | 852.2M | 834.17M | 821.21M | 769.55M | 824.21M | 876.54M | 897.79M | 895.51M | 915.07M |
| Intangible Assets | 0 | 536.29M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 48K | 18.8M | 20.75M | 21.37M | 22.11M | 25.48M | 29.37M | 33.44M | 36.32M | 38.22M | 41.19M |
| Long-Term Investments | 0 | 4.39B | 4.27B | 4.18B | 3.95B | 3.78B | 0 | 3.58B | 3.53B | 3.47B | 3.32B | 3.33B | 3.21B | 3.09B | 2.98B | 3.04B | 3.14B | 3.07B | 3.1B | 3.17B |
| Other Non-Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Assets | 5.45B | 5.34B | 5.26B | 5.19B | 4.97B | 4.79B | 4.99B | 4.82B | 4.69B | 4.63B | 4.76B | 4.88B | 4.69B | 4.51B | 4.33B | 4.46B | 4.61B | 4.61B | 4.55B | 4.68B |
| Asset Turnover | 0.09x | 0.09x | 0.09x | 0.09x | 0.08x | 0.05x | 0.07x | 0.07x | 0.07x | 0.06x | 0.06x | 0.07x | 0.07x | 0.05x | 0.07x | 0.08x | 0.11x | 0.08x | 0.09x | 0.09x |
| Asset Growth % | 9.68% | 11.48% | 5.29% | 7.78% | 6.03% | 3.44% | 4.9% | -1.22% | 0.03% | 2.71% | 9.99% | 9.35% | 1.55% | -2.17% | -4.88% | -4.71% | -3.27% | -5.27% | -3.85% | -1.29% |
| Total Current Liabilities | 0 | 321K | 1.19B | 1.21B | 1.15B | 233.54M | 278.95M | 207.32M | 567.49M | 219.24M | 1.09B | 1.1B | 990.7M | 266.61M | 872.22M | 835.71M | 879.92M | 743.69M | 517.96M | 648.09M |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 173.93M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days Payables Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Short-Term Debt | 0 | 321K | 927.25M | 999.68M | 916.41M | 0 | 0 | 9.77M | 387.28M | 29.31M | 902.79M | 899.54M | 810.73M | 68.39M | 674.74M | 634.54M | 650.08M | 514.11M | 303.48M | 457.38M |
| Deferred Revenue (Current) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Current Liabilities | 0 | 0 | 259.88M | 214.66M | 234M | 233.54M | 278.95M | 197.56M | 180.21M | 16M | 190.65M | 203.05M | 179.97M | 198.22M | 197.47M | 201.17M | 229.84M | 229.59M | 214.49M | 190.71M |
| Current Ratio | - | 595.09x | 0.21x | 0.20x | 0.21x | 1.05x | 1.22x | 1.59x | 0.41x | 0.95x | 0.22x | 0.25x | 0.23x | 0.78x | 0.21x | 0.23x | 0.24x | 0.35x | 0.41x | 0.39x |
| Quick Ratio | - | 595.09x | 0.21x | 0.20x | 0.21x | 1.05x | 1.22x | 1.59x | 0.41x | 0.95x | 0.22x | 0.25x | 0.23x | 0.78x | 0.21x | 0.23x | 0.24x | 0.35x | 0.41x | 0.39x |
| Cash Conversion Cycle | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Non-Current Liabilities | 4.42B | 4.36B | 3.12B | 3.08B | 3B | 3.79B | 3.67B | 3.62B | 3.17B | 3.47B | 2.47B | 2.54B | 2.51B | 3.06B | 2.26B | 2.39B | 2.49B | 2.68B | 2.63B | 2.68B |
| Long-Term Debt | 0 | 4.07B | 3.01B | 2.96B | 2.87B | 3.67B | 3.55B | 3.44B | 2.97B | 3.29B | 2.21B | 2.3B | 2.27B | 2.82B | 2.01B | 2.15B | 2.28B | 2.48B | 2.48B | 2.53B |
| Capital Lease Obligations | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Deferred Tax Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Non-Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | 4.42B | 4.36B | 4.31B | 4.3B | 4.15B | 4.02B | 3.95B | 3.83B | 3.73B | 3.69B | 3.56B | 3.64B | 3.5B | 3.33B | 3.13B | 3.23B | 3.37B | 3.42B | 3.15B | 3.33B |
| Total Debt | 0 | 4.13B | 3.93B | 3.97B | 3.79B | 3.67B | 3.55B | 3.46B | 3.36B | 3.32B | 3.11B | 3.2B | 3.08B | 2.9B | 2.69B | 2.79B | 2.93B | 3B | 2.8B | 3B |
| Net Debt | -227.2M | 3.98B | 3.76B | 3.79B | 3.6B | 3.47B | 3.3B | 3.2B | 3.19B | 3.16B | 2.97B | 3.02B | 2.92B | 2.75B | 2.54B | 2.64B | 2.77B | 2.81B | 2.64B | 2.8B |
| Debt / Equity | - | 4.23x | 4.13x | 4.43x | 4.63x | 4.79x | 3.39x | 3.50x | 3.53x | 3.54x | 2.60x | 2.60x | 2.60x | 2.46x | 2.26x | 2.27x | 2.35x | 2.53x | 2.00x | 2.21x |
| Debt / EBITDA | - | 22.91x | 21.81x | 25.09x | 27.73x | - | 31.08x | 31.61x | 36.79x | - | 35.91x | 32.43x | 38.04x | 222.05x | 29.19x | 21.39x | 10.60x | 21.97x | 15.47x | 16.10x |
| Net Debt / EBITDA | -1.20x | 22.05x | 20.86x | 24.00x | 26.36x | - | 28.91x | 29.32x | 34.90x | - | 34.24x | 30.56x | 36.08x | 211.02x | 27.59x | 20.21x | 10.02x | 20.58x | 14.59x | 15.03x |
| Interest Coverage | 2.58x | 2.30x | 2.42x | 2.14x | 1.90x | -1.82x | 1.69x | 1.63x | 1.58x | -4.06x | 1.64x | 1.65x | 1.44x | -0.18x | 1.99x | 3.16x | 7.55x | 3.14x | 3.55x | 3.65x |
| Total Equity | 1.03B | 976.75M | 952.91M | 895.97M | 819.06M | 767.33M | 1.05B | 988.13M | 953.86M | 936.54M | 1.2B | 1.23B | 1.18B | 1.18B | 1.19B | 1.23B | 1.25B | 1.19B | 1.4B | 1.35B |
| Equity Growth % | 26.34% | 27.29% | -9.08% | -9.33% | -14.13% | -18.07% | -12.57% | -19.91% | -19.45% | -20.61% | 0.49% | 0.18% | -4.99% | -0.48% | -14.72% | -9.06% | -2.53% | -2.85% | 24.09% | 29.93% |
| Book Value per Share | 46.36 | 42.89 | 40.52 | 38.00 | 33.75 | 32.14 | 42.94 | 41.01 | 38.98 | 39.45 | 49.17 | 50.82 | 47.48 | 50.10 | 46.03 | 46.63 | 45.35 | 39.46 | 44.60 | 43.11 |
| Total Shareholders' Equity | 1.03B | 976.75M | 952.91M | 895.97M | 819.06M | 767.33M | 1.05B | 988.13M | 953.86M | 936.54M | 1.2B | 1.23B | 1.18B | 1.18B | 1.19B | 1.23B | 1.25B | 1.19B | 1.4B | 1.35B |
| Common Stock | 215K | 217K | 229K | 231K | 235K | 237K | 237K | 237K | 237K | 235K | 235K | 235K | 235K | 233K | 235K | 240K | 244K | 245K | 296K | 304K |
| Retained Earnings | 0 | 1.1B | 1.08B | 1.02B | 956.72M | 909.93M | 1.14B | 1.1B | 1.07B | 1.05B | 1.32B | 1.3B | 1.27B | 1.28B | 1.36B | 1.35B | 1.31B | 1.24B | 1.35B | 1.27B |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated OCI | -132.44M | -128.11M | -131.29M | -119.48M | -147.54M | -162.13M | -104.38M | -129.96M | -127.44M | -123.92M | -129.49M | -70.9M | -90.37M | -98.82M | -165.72M | -118.58M | -63.91M | -53.55M | -59.63M | -59.04M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |