)
)
Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Encore Capital Group
Encore Capital Group (ECPG) investor relations material
Encore Capital Group Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary4 Nov, 2026
Executive summary
Q3 collections reached a record $753.8M, up 13.7% YoY; purchases were $389.7M, net income was $124.0M and diluted EPS was $5.57.
Average receivable portfolios grew 10.9% to $4.69B; leverage ended Q3 at 2.3x versus 2.5x a year earlier.
Financial highlights
Revenue rose 18.3% to $544.5M and operating income increased 33.2% to $230.6M.
Portfolio revenue increased 12.0% to $414.4M; changes in recoveries were $111.0M, lifting debt purchasing revenue 21.1% to $525.5M.
Operating expenses rose 9% to $313.9M; cash efficiency margin improved 1.2 percentage points YoY to 59.6%.
Net income increased 66.1% to $124.0M from $74.7M; diluted EPS rose to $5.57 from $3.17.
Estimated remaining collections increased 10.1% to $10.45B; average receivable portfolios grew 10.9% to $4.69B.
Outlook and guidance
FY 2026 portfolio purchase guidance rose to $1.50B–$1.55B and collections guidance to $2.90B–$2.95B.
FY 2026 GAAP EPS guidance increased to $15.50–$16.00, excluding a potential Q4 non-cash tax benefit of $0.65–$0.90 per share.
Guidance includes $295M interest expense, including other income, and an effective tax rate in the mid-20s%.
FY 2026 cash efficiency margin is expected to exceed 58%; earnings growth is expected to continue in 2027.
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Latest events from Encore Capital Group
- Record portfolio purchases and collections led to raised guidance and improved profitability.ECPG
Q2 2026 - All proposals passed, directors elected, and no questions raised during the AGM.ECPGAGM 2026
- Net income up 84% to $86.2M, EPS doubled, and 2026 guidance raised on record collections.ECPGQ1 2026
- Record portfolio purchases and collections in 2025 drive strong earnings and outlook.ECPGCorporate presentation
- Key votes include director elections, executive pay, auditor ratification, and governance changes.ECPGProxy filing
- Annual meeting to vote on directors, pay, auditor, incentive plan, and officer exculpation.ECPGProxy filing
- Proxy covers director elections, executive pay, auditor ratification, and governance changes.ECPGProxy filing
- Record U.S. portfolio purchases and strong collections drove double-digit earnings growth.ECPGQ2 2024
- EPS rose 103% to $1.93 on record U.S. portfolio purchases and collections.ECPGQ1 2025
Next Encore Capital Group earnings date
Q4 202624 Feb, 2027
Encore Capital Group
Next Encore Capital Group earnings date
Q4 202624 Feb, 2027
AI chat
Ask anything. Verify everything.
Ask across every event and document from public companies. Each answer links back to the exact line in the transcript, slide or filing it came from.Learn moreFind what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.)
Trust every finding
50m+ first-party documents. Every output traceable to its source.Find what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.Trust every finding
50m+ first-party documents. Every output traceable to its source.Automations
Zero in on what matters
Define the prompt once. It runs the moment a company publishes or on a schedule you set. Outputs map to the exact signals you choose.Learn more)
Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.)
Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Live audio & transcripts
Be first
Join any earnings call live in one click, with no manual registration. Follow the transcript as it happens and jump straight to the moments that matter.Learn more)
Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.)
Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Quartr MCP connects your AI environment to 17K+ public companies
Pull live transcripts, filings, and slides into Claude or Codex via MCP. Combine Quartr's global IR data with any other dataset. Run agentic research and monitoring.
Included with Quartr Pro at no extra cost.Learn more
Quartr's AI stands out because it only pulls clean, first-party data from public companies. In investing, that's everything.
Jamie Ross
Investment Manager, GAM Investments
GAM
GAM
Research that used to take hours now takes seconds with Quartr Pro. Tracking shifts in tone or extracting tables, it's as simple as typing a query.
Tom O'Hara
Investment Director
Ciena
Ciena
Before Quartr we spent hours manually compiling insights through the peer earnings cycle. Now, these tasks are done faster, with greater precision.
Gregg Lampf
VP of Investor Relations
Protean
Protean
Being able to ask specific questions across years of transcripts and reports and instantly get verified answers is a game-changer.
Pontus Dackmo
CEO & Investment Manager
)
)
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.