Jun 2026 (Q2 FY26) — Aug 5, 2026
Encore Capital Group Q2 FY26 — Record Collections and Strong U.S. Purchasing Drive Earnings Growth
Read the full callEncore Capital Group (ECPG) earnings
- Jun 2026
- Jun 2026 (Q2 FY26)
- Dec 2025
Encore Capital Group earnings: last reported Wed, 5 Aug 2026, for the quarter ended Jun 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 492 | +11.3% YoY | Quarterly, as filed | Quarter to Jun 2026 | Revenue from operations as filed. |
| Operating margin | 38.0 | +3.9 pts YoY | Operating profit / revenue | Quarter to Jun 2026 | For the quarter; a change is in percentage points. |
| Net profit | 64.0 | +9.0% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Price
$100.62 −1.04% · −$1.06
Performance +143.3% 1Y
1Y: $41.36 on 17 Oct 2025 → $100.62. High $105.6 (13 Oct 2026), low $40.9 (30 Oct 2025).
- Previous close
- $101.68
- 52-week range
- $40.9 – $105.6
- One year
- +139.17%
Overview
- Symbol
- ECPG
- Sector
- Financials
- Exchange
- US
- Currency
- USD
Call summaries
Every analysed call
Encore Capital Group earnings calls (ECPG)
Financials
What the filings say
Net profit, year on year: +9% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 367 | 266 | 393 | 442 | 460 | 474 | 475 | 492 |
| Operating profit | 106 | -134 | 129 | 151 | 173 | 173 | 184 | 187 |
| Operating margin | 28.9% | −50.5% | 32.9% | 34.1% | 37.6% | 36.6% | 38.7% | 38.0% |
| Other income | -65 | -76 | -69 | -73 | -73 | -76 | -72 | -104 |
| Interest | 67 | 68 | 71 | 74 | 74 | 75 | 73 | 74 |
| Profit before tax | 41 | -210 | 60 | 78 | 100 | 98 | 112 | 83 |
| Tax rate | 24.8% | −7.3% | 22.6% | 24.7% | 25.2% | 21.6% | 22.8% | 22.8% |
| Net profit | 31 | -225 | 47 | 59 | 75 | 77 | 86 | 64 |
| EPS ($ per share) | 1.28 | — | 1.96 | 2.50 | 3.22 | — | 3.97 | 2.97 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Reserves | 720 | 888 | 1,056 | 1,239 | 1,278 | 1,049 | 910 | 1,105 |
| Total liabilities | 3,812 | 3,885 | 3,644 | 3,423 | 3,329 | 3,694 | 4,022 | 4,363 |
| Fixed assets | 116 | 120 | 127 | 120 | 114 | 104 | 81 | 82 |
| Total assets | 4,632 | 4,910 | 4,865 | 4,608 | 4,508 | 4,630 | 4,790 | 5,340 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 187 | 245 | 313 | 303 | 211 | 153 | 156 | 153 |
| Cash from investing | -398 | -202 | 83 | 340 | -130 | -402 | -440 | -243 |
| Cash from financing | 166 | -20 | -403 | -656 | -107 | 268 | 318 | 45 |
| Net cash flow | -44 | — | — | — | — | — | — | — |
| Capital expenditure | -67 | -40 | -35 | -33 | -37 | -25 | -29 | -26 |
| Free cash flow | 119 | 205 | 278 | 270 | 173 | 128 | 127 | 127 |
Insider filings
47 filings between Nov 6, 2025 and Sep 1, 2026.
Open market
decisions to buy or sellPurchases
None
No insider bought shares.
Sales
$2.35M
16 sales by 4 insiders
56% filed under a 10b5-1 plan — scheduled in advance, not decided on the day
Compensation
not trading decisions- 26
- Award — granted as compensation
- 5
- Tax withheld — shares kept back by the company to cover tax
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| Bell Ryan B | — | $905.2K | Mar 3, 2026 |
| Asch Andrew Eric | — | $740.6K | Jun 10, 2026 |
| Yung John | — | $627.2K | Jun 11, 2026 |
| OLLE LAURA | — | $75.1K | Dec 3, 2025 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Sep 1, 2026 | Gupta Ashwini Director | Award | 291 | $27.1K |
| Aug 26, 2026 | Beck Robert William Director | Award | 1,462 | $146.4K |
| Jun 22, 2026 | MONACO MICHAEL P Director | Award | 2,144 | $180.0K |
| Jun 22, 2026 | Hilzinger Jeffrey Albert Director | Award | 2,144 | $180.0K |
| Jun 22, 2026 | Stovsky Richard P Director | Award | 2,144 | $180.0K |
| Jun 22, 2026 | Angela A. Knight Director | Award | 2,144 | $180.0K |
| Jun 22, 2026 | Gupta Ashwini Director | Award | 2,144 | $180.0K |
| Jun 22, 2026 | OLLE LAURA Director | Award | 2,144 | $0 |
| Jun 22, 2026 | Goings William C. Director | Award | 2,144 | $180.0K |
| Jun 11, 2026 | Yung John President, Intl. and Cabot | Sale | 2,000 | $161.0K |
| Jun 10, 2026 | Asch Andrew Eric SVP, General Counsel | Sale | 774 | $63.5K |
| Jun 10, 2026 | Yung John President, Intl. and Cabot | Sale | 2,000 | $164.2K |
| Jun 9, 2026 | Asch Andrew Eric SVP, General Counsel | Sale | 556 | $45.8K |
| Jun 9, 2026 | Asch Andrew Eric SVP, General Counsel | Sale | 833 | $67.1K |
| Jun 9, 2026 | Asch Andrew Eric SVP, General Counsel | Sale | 6,922 | $564.3K |
| Jun 1, 2026 | Gupta Ashwini Director | Award | 340 | $26.7K |
| Mar 9, 2026 | Masih Ashish President and CEO | Award | 15,576 | $0 |
| Mar 9, 2026 | Masih Ashish President and CEO | Tax withheld | 25,658 | $1.75M |
| Mar 9, 2026 | Hernanz Tomas Cruz EVP, CFO & TREASURER | Award | 8,065 | $0 |
| Mar 9, 2026 | Hernanz Tomas Cruz EVP, CFO & TREASURER | Award | 4,430 | $0 |
| Mar 9, 2026 | Hernanz Tomas Cruz EVP, CFO & TREASURER | Tax withheld | 4,148 | $282.9K |
| Mar 9, 2026 | Asch Andrew Eric SVP, General Counsel | Award | 5,682 | $0 |
| Mar 9, 2026 | Asch Andrew Eric SVP, General Counsel | Award | 1,945 | $0 |
| Mar 9, 2026 | Asch Andrew Eric SVP, General Counsel | Award | 2,914 | $0 |
| Mar 9, 2026 | Asch Andrew Eric SVP, General Counsel | Tax withheld | 4,068 | $277.4K |
| Mar 9, 2026 | Bell Ryan B President, MCM | Award | 9,165 | $0 |
| Mar 9, 2026 | Bell Ryan B President, MCM | Award | 4,133 | $0 |
| Mar 9, 2026 | Bell Ryan B President, MCM | Award | 5,130 | $0 |
| Mar 9, 2026 | Bell Ryan B President, MCM | Tax withheld | 7,899 | $538.6K |
| Mar 9, 2026 | Yung John President, Intl. and Cabot | Award | 8,432 | $0 |
| Mar 9, 2026 | Yung John President, Intl. and Cabot | Award | 2,310 | $0 |
| Mar 9, 2026 | Yung John President, Intl. and Cabot | Award | 4,896 | $0 |
| Mar 9, 2026 | Yung John President, Intl. and Cabot | Tax withheld | 5,677 | $387.1K |
| Mar 9, 2026 | Masih Ashish President and CEO | Award | 31,009 | $0 |
| Mar 9, 2026 | Masih Ashish President and CEO | Award | 14,105 | $0 |
| Mar 3, 2026 | Bell Ryan B President, MCM | Sale 10b5-1 plan | 260 | $17.8K |
| Mar 2, 2026 | Bell Ryan B President, MCM | Sale 10b5-1 plan | 671 | $44.7K |
| Mar 2, 2026 | Bell Ryan B President, MCM | Sale 10b5-1 plan | 1,466 | $102.7K |
| Mar 2, 2026 | Bell Ryan B President, MCM | Sale 10b5-1 plan | 3,603 | $250.2K |
| Mar 2, 2026 | Bell Ryan B President, MCM | Sale 10b5-1 plan | 1,500 | $102.2K |
| Mar 1, 2026 | Gupta Ashwini Director | Award | 347 | $23.7K |
| Dec 10, 2025 | Bell Ryan B President, MCM | Sale 10b5-1 plan | 2,500 | $137.5K |
| Dec 3, 2025 | OLLE LAURA Director | Sale 10b5-1 plan | 1,423 | $75.1K |
| Dec 1, 2025 | Gupta Ashwini Director | Award | 448 | $23.7K |
| Nov 26, 2025 | Yung John President, Intl. and Cabot | Sale 10b5-1 plan | 1,000 | $52.0K |
| Nov 6, 2025 | Yung John President, Intl. and Cabot | Sale | 5,000 | $250.0K |
| Nov 6, 2025 | Bell Ryan B President, MCM | Sale 10b5-1 plan | 5,000 | $250.0K |
| Sep 1, 2025 | Gupta Ashwini Director | Award | 657 | $27.5K |
| Jun 13, 2025 | Gupta Ashwini Director | Award | 4,066 | $155.0K |
| Jun 13, 2025 | Hannam Wendy Director | Award | 4,066 | $155.0K |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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