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Encore Capital Group (ECPG) investor relations material
Encore Capital Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary5 Nov, 2025
Executive summary
Q3 2025 delivered record collections and earnings growth, with portfolio purchases up 23% year-over-year to $346 million, led by strong U.S. market performance and operational innovation.
U.S. operations drove record collections of $502 million, up 25%, while European operations saw moderate growth with $85 million in purchases and 8% collections growth.
Earnings per share rose to $3.17, up 152% from $1.26 a year ago.
Share repurchases totaled $60 million year-to-date, with an additional $300 million authorized.
Continued investment in core U.S. and U.K. businesses, with increased capital deployment in both regions.
Financial highlights
Revenues increased 25% year-over-year to $460.4 million in Q3 2025; net income rose 144% to $74.7 million.
Portfolio purchases reached $346 million, collections hit a record $663 million, and adjusted EBITDA for Q3 was $184.8 million, up from $117.8 million in Q3 2024.
Operating expenses increased 10% to $287.2 million, below collections growth.
Estimated Remaining Collections (ERC) increased 10% year-over-year to $9.5 billion.
Cash efficiency margin improved to 58.4%, up 3.6 percentage points year-over-year.
Outlook and guidance
Full-year 2025 global collections guidance raised to $2.55 billion, reflecting 18% year-over-year growth.
Global portfolio purchases for 2025 expected to exceed $1.35 billion, surpassing 2024 levels.
Interest expense projected at $295 million for 2025; effective tax rate in the mid-20% range.
Sufficient liquidity and access to capital markets to fund operations and portfolio acquisitions for at least the next twelve months.
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Next Encore Capital Group earnings date
Q4 202525 Feb, 2026
Next Encore Capital Group earnings date
Q4 202525 Feb, 2026
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Frequently asked questions
Encore Capital Group, Inc., is an international specialty finance company that provides debt recovery solutions for consumers and property owners across a range of financial assets. Through its subsidiaries around the globe, Encore purchases or services portfolios of consumer receivables from major banks, credit unions and utility providers. The company was incorporated in 1999 and is headquartered in San Diego, California.
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