Encore Capital Group, Inc.
encorecapital.comWhat Do They Do?
Buys portfolios of unpaid consumer debts from financial institutions and retailers, then collects repayments from consumers; also manages collections for credit originators in Europe.
10-K for FY2025, filed Feb 25, 2026
How Do They Make Money?
Encore collects repayments from consumers on debt portfolios it has purchased. Credit originators also pay for portfolio-management services; Encore typically invoices monthly.
$1.8B
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10-K for FY2025, filed Feb 25, 2026
$1.8B ↗
Who Are Their Customers?
Financial institutions and other creditors sell receivable portfolios through auctions or private sales; credit originators in Europe also hire Encore to manage collections.
10-K for FY2025, filed Feb 25, 2026
Do Revenues Turn Into Profits?
Yes. It kept 15 cents of every revenue dollar as net income in FY2025 and turned 7 cents into free cash flow.
10-K for FY2025, filed Feb 25, 2026
$626.6MView ↗
10-K for FY2025, filed Feb 25, 2026
$256.8MView ↗
10-K for FY2025, filed Feb 25, 2026
$126.9MView ↗
How Are They Changing?
Growing. Revenue grew 10% in 4 years, from $1.6B in FY2021 to $1.8B in FY2025, about 2% a year.
European market focus
The latest report names France and Spain as development priorities, while the older report also named Portugal and Ireland.
10-K for FY2022, filed Feb 22, 2023 10-K for FY2025, filed Feb 25, 2026Market Focus. We continue to concentrate on our core portfolio purchasing and recovery business in the U.S. and the UK markets in an effort…View ↗
Market Focus. We continue to concentrate on our core portfolio purchasing and recovery business in the U.S. and the UK markets in an effort…View ↗
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