Encore Capital Group, Inc. (ECPG) quarterly cash flow statement — complete operating, investing & financing 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 |
|---|
| Cash from Operations | 82.33M | 16.81M | 81.58M | 9.52M | 45.28M | 23.54M | 45.93M | 35.71M | 50.98M | 36.78M | 53.59M | 26.71M | 35.91M | 55.8M | 56.35M | 44M | 54.53M | 91.06M | 63.02M | 79.85M |
| Operating CF Margin % | 17.41% | 3.55% | 17.72% | 2.15% | 11.53% | 8.86% | 12.51% | 10.05% | 15.53% | 13.26% | 17.31% | 8.27% | 11.49% | 23.85% | 18.31% | 12.33% | 10.91% | 25.49% | 15.27% | 18.67% |
| Operating CF Growth % | 81.8% | -28.6% | 77.63% | -73.33% | -11.18% | -35.99% | -14.3% | 33.71% | 41.97% | -34.09% | -4.89% | -39.3% | -34.14% | -38.72% | -10.6% | -44.89% | -21.11% | 44.82% | 56.52% | -42.52% |
| Net Income | 86.24M | 76.66M | 74.66M | 58.72M | 46.8M | -225.31M | 30.64M | 32.18M | 23.24M | -270.76M | 19.34M | 26.3M | 18.63M | -73.12M | 31.49M | 60.44M | 175.75M | 76.08M | 83.57M | 96.79M |
| Depreciation & Amortization | 6.86M | 6.93M | 7.17M | 7.31M | 7.34M | 8.97M | 8.16M | 7.46M | 7.85M | 8.97M | 11.2M | 10.7M | 10.87M | 15.36M | 11.66M | 11.65M | 11.83M | 12.38M | 14.14M | 12.05M |
| Stock-Based Compensation | 0 | 5.22M | 4.34M | 5.28M | 3.42M | 2.28M | 3.74M | 4.64M | 3.36M | 2.84M | 3.09M | 3.87M | 4.05M | 3.17M | 3.19M | 5.12M | 3.92M | 5.43M | 3.85M | 5.65M |
| Deferred Taxes | 0 | 29.82M | 0 | 0 | 0 | -24M | 2.53M | -980K | 170K | -56.87M | -1.83M | 1.42M | 1.37M | 44.28M | -1.57M | 893K | 2.81M | 43.88M | -3.41M | -1.79M |
| Other Non-Cash Items | -50.95M | -64.44M | -59.51M | -46.62M | -16.18M | 229.25M | -4.12M | 1.1M | 16.85M | 313.74M | 17.99M | 10.38M | 12.25M | 94.52M | 21.97M | -16.72M | -158.24M | -19.27M | -55.64M | -45.15M |
| Working Capital Changes | 40.17M | -37.38M | 54.92M | -15.17M | 3.9M | 32.35M | 4.98M | -8.69M | -483K | 38.87M | 3.8M | -25.97M | -11.26M | -28.41M | -10.39M | -17.38M | 18.46M | -27.43M | 20.52M | 12.31M |
| Change in Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | 35.28M | -29.99M | 52.5M | -33.56M | 7.4M | 25.32M | 14.36M | 10.99M | 5.74M | 0 | -10.11M | 6.63M | -8.12M | 15.08M | -8.12M | -29.12M | -34.18M | 14.79M | 9.46M | -23.76M |
| Cash from Investing | -27.41M | -27.04M | -45.9M | -69.37M | -100.28M | -264.73M | -43.82M | -41M | -90.88M | -131.22M | -56.48M | -83.53M | -130.72M | -89.56M | -75.78M | -2.12M | 37.09M | 27.09M | 72.11M | 145.43M |
| Capital Expenditures | -4.86M | -6.93M | -6.02M | -6.33M | -6.99M | -8.77M | -5.99M | -7.39M | -6.86M | -34.94M | -7.26M | -4.62M | -4.88M | -16.16M | -9.13M | -4.86M | -7.08M | -9.21M | -13.81M | -6.56M |
| CapEx % of Revenue | 1.03% | 1.46% | 1.31% | 1.43% | 1.78% | 3.3% | 1.63% | 2.08% | 2.09% | 12.6% | 2.35% | 1.43% | 1.56% | 6.9% | 2.97% | 1.36% | 1.42% | 2.58% | 3.35% | 1.53% |
| Acquisitions | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| 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 Investing | 8.52M | -20.11M | -39.88M | -63.04M | -93.29M | 17.69M | -37.83M | 17.18M | 12.31M | 38.38M | 15.51M | 15.85M | -17.89M | 6.73M | 3.42M | -17.06M | -4.84M | 4.12M | 1.92M | 7.24M |
| Cash from Financing | 18.61M | -5.7M | -36.67M | 46.89M | 40.34M | 187.29M | -9.01M | 83.7M | 55.79M | 109.43M | -31.75M | 80.25M | 110.37M | 33.25M | 14.91M | -37.58M | -118.02M | -91.02M | -195.03M | -209.54M |
| Debt Issued (Net) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Equity Issued (Net) | -20.09M | -55.07M | -10.11M | -15.21M | -10M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -10.25M | -25.92M | -25.14M | -25.69M | -302.49M | -40.7M | -27.03M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | -20.09M | -55.07M | -10.11M | -15.21M | -10M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -10.25M | -25.92M | -25.14M | -25.69M | -302.49M | -40.7M | -27.03M |
| Other Financing | -14.03M | -23.08M | -7.32M | -5.95M | -10.25M | -50.01M | -23.44M | 3.6M | 13.36M | -2.57M | -8.51M | 2.3M | -6.48M | -5.62M | -6.21M | -1.46M | -9.06M | 758K | -1.63M | -15.41M |
| Net Change in Cash | 70.42M | -15.7M | -408K | -14.22M | -12.75M | -47.49M | -3.27M | 77.63M | 14.63M | 13.65M | -40.16M | 26.1M | 14.86M | -3.12M | -7.26M | -5.92M | -29.43M | 31.4M | -40.27M | 13.92M |
| Free Cash Flow | 77.47M | 9.88M | 75.56M | 3.19M | 38.29M | 14.78M | 39.73M | 28.32M | 44.12M | 1.84M | 46.33M | 22.09M | 31.03M | 39.65M | 47.22M | 39.14M | 47.45M | 81.85M | 49.21M | 73.29M |
| FCF Margin % | 16.38% | 2.09% | 16.41% | 0.72% | 9.75% | 5.56% | 10.82% | 7.97% | 13.44% | 0.66% | 14.96% | 6.84% | 9.92% | 16.94% | 15.34% | 10.97% | 9.5% | 22.91% | 11.93% | 17.13% |
| FCF Growth % | 102.31% | -33.14% | 90.21% | -88.72% | -13.21% | 704.35% | -14.24% | 28.2% | 42.2% | -95.37% | -1.88% | -43.56% | -34.61% | -51.56% | -4.06% | -46.59% | -27.36% | 60.69% | 60.63% | -45.07% |
| FCF per Share | 3.47 | 0.43 | 3.21 | 0.14 | 1.58 | 0.62 | 1.63 | 1.18 | 1.80 | 0.08 | 1.90 | 0.91 | 1.24 | 1.68 | 1.82 | 1.48 | 1.73 | 2.72 | 1.57 | 2.33 |
| FCF Conversion (FCF/Net Income) | 0.95x | 0.22x | 1.09x | 0.16x | 0.97x | -0.10x | 1.50x | 1.11x | 2.19x | -0.14x | 2.77x | 1.02x | 1.93x | -0.76x | 1.79x | 0.73x | 0.31x | 1.20x | 0.75x | 0.83x |
| Interest Paid | 0 | 0 | 0 | 92.53M | 41.3M | 71.63M | 58.01M | 34.48M | 46.47M | 43.7M | 40.95M | 41.09M | 38.07M | 36.56M | 30.46M | 32.59M | 31.77M | 32.06M | 31.18M | 31.89M |
| Taxes Paid | 0 | 0 | 0 | 28.03M | 1.25M | 5.84M | 18.89M | 40.82M | 1.54M | 17.92M | 13.78M | 35.91M | 908K | 7.57M | 19.04M | 43.72M | 949K | -776K | 18.54M | 23.46M |