Overview
Encore
Encore Capital Group is an international specialty finance company providing debt recovery solutions and other related services for consumers across a broad range of financial assets. The company purchases portfolios of defaulted consumer receivables at deep discounts to face value and manages them by working with individuals as they repay their obligations and work toward financial recovery. Defaulted receivables are consumers' unpaid financial commitments
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Read More to credit originators, including banks, credit unions, consumer finance companies, and commercial retailers. Defaulted receivables may also include receivables subject to bankruptcy proceedings. The company also provides debt servicing and other portfolio management services to credit originators for non-performing loans in Europe. The company generates about 65% of its revenue from its home country, the US.
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Read More to credit originators, including banks, credit unions, consumer finance companies, and commercial retailers. Defaulted receivables may also include receivables subject to bankruptcy proceedings. The company also provides debt servicing and other portfolio management services to credit originators for non-performing loans in Europe. The company generates about 65% of its revenue from its home country, the US.
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Ashish Masih
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Nondepository Credit Intermediation
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Credit Intermediation and Related Activities
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Finance and Insurance
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Purchasers of accounts receivable and commercial paper
Activities Related to Credit Intermediation
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Agencies, Brokerages, and Other Insurance Related Activities
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Depository Credit Intermediation
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Insurance Carriers
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Insurance and Employee Benefit Funds
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Monetary Authorities-Central Bank
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Other Financial Investment Activities
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Other Investment Pools and Funds
View more , Securities and Commodity Contracts Intermediation and Brokerage Securities and Commodity Exchanges
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View more , Securities and Commodity Contracts Intermediation and Brokerage Securities and Commodity Exchanges
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Modelled
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Actual
$1.32 billion
Actual
7.66%
$4,789
DEC
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NASDAQ:ECPG
Contacts
Get in Touch with 5 Principals* and 640 Contacts
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Ashish MasihPresident and Chief Executive Officer
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Contact 2?
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Contact 3?
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Contact 4?
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Financial Data
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Financial data as of January 01, 2025 (12 month period) in USD
Annual Revenue
$1.32 billion
USD
Estimated
All financial statement data is in millions except per share data | Source: Morningstar
| Cash Flow (mil) | 2024 | 2023 | 2022 |
|---|---|---|---|
| Net Operating Cash | $156 | $153 | $211 |
| Net Investing Cash | -$440 | -$402 | -$130 |
| Net Financing Cash | $318 | $268 | -$107 |
| Net Change in Cash | $34 | $19 | -$27 |
| Cash at Beginning of Period | $158 | $144 | $190 |
| Cash at End of Period | $200 | $158 | $144 |
| Capital Expenditure | -$29 | -$52 | -$77 |
| Assets (mil) | 2024 | 2023 | 2022 |
|---|---|---|---|
| Current Assets | |||
| Cash and Cash Equivalents | $200 | $158 | $144 |
| Accounts Receivable | $ | $ | $ |
| Inventories | $ | $ | $ |
| Other Current Assets | $46 | $42 | $65 |
| Asset Summary | |||
| Total Current Assets | $246 | $200 | $209 |
| Tangible Fixed Assets | $139 | $171 | $184 |
| Intangible Assets | $ | $ | $22 |
| Total Assets | $4,790 | $4,630 | $4,508 |
| Liabilities (mil) | 2024 | 2023 | 2022 |
|---|---|---|---|
| Current Liabilities | |||
| Accounts Payable | $ | $ | $ |
| Short-Term Debt | $ | $29 | $68 |
| Other Current Liabilities | $234 | $190 | $198 |
| Liability Summary | |||
| Total Current Liabilities | $234 | $219 | $267 |
| Long-Term Debt | $3,672 | $3,286 | $2,825 |
| Other Long-Term Liabilities | $116 | $186 | $232 |
| Total Liabilities | $4,022 | $3,694 | $3,329 |
| Stakeholder's Equity (mil) | 2024 | 2023 | 2022 |
|---|---|---|---|
| Equity | |||
| Common Stock | $0 | $0 | $0 |
| Retained Earnings | $910 | $1,049 | $1,278 |
| Equity Summary | |||
| Total Equity | $767 | $937 | $1,180 |
| Shares Outstanding | 23,691,291 | 23,545,000 | 23,323,000 |