$ECPG
ENCORE CAPITAL GROUP INC Stock $ecpg

$ecpg Overview Financials Valuation SEC Filings Company Website

2024 Q3 Form 10-Q Financial Statement

#000108496124000085 Filed on August 07, 2024

Income Statement

Concept	2024 Q3	2024 Q2
Revenue	$367.1M	$355.3M
YoY Change	18.56%	8.81%
Cost Of Revenue	$74.71M	$71.75M
YoY Change	16.19%	6.24%
Gross Profit	$292.4M	$283.5M
YoY Change	11.42%	9.47%
Gross Profit Margin	79.65%	79.8%
Selling, General & Admin	$146.3M	$143.4M
YoY Change	12.03%	9.97%
% of Gross Profit	50.04%	50.57%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$8.158M	$7.461M
YoY Change	-27.16%	-30.28%
% of Gross Profit	2.79%	2.63%
Operating Expenses	$261.0M	$253.4M
YoY Change	11.48%	51.37%
Operating Profit	$106.1M	$101.8M
YoY Change	40.48%	11.23%
Interest Expense	-$66.91M	$61.38M
YoY Change	-232.34%	-222.79%
% of Operating Profit	-63.07%	60.27%
Other Income/Expense, Net	-$65.33M	-$59.33M
YoY Change	43.72%	3280.57%
Pretax Income	$40.76M	$42.51M
YoY Change	35.59%	17.0%
Income Tax	$10.12M	$10.33M
% Of Pretax Income	24.82%	24.3%
Net Earnings	$30.64M	$32.18M
YoY Change	58.45%	22.34%
Net Earnings / Revenue	8.35%	9.06%
Basic Earnings Per Share	$1.28	$1.35
Diluted Earnings Per Share	$1.26	$1.34
COMMON SHARES
Basic Shares Outstanding	23.69M shares	23.69M shares
Diluted Shares Outstanding	24.41M shares	24.10M shares

Balance Sheet

Concept	2024 Q3	2024 Q2
SHORT-TERM ASSETS
Cash & Short-Term Investments	$247.4M	$250.6M
YoY Change	70.94%	35.57%
Cash & Equivalents	$247.4M	$250.6M
Short-Term Investments
Other Short-Term Assets	$37.27M	$36.54M
YoY Change	9.61%	14.96%
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets	$295.6M	$298.5M
YoY Change	56.5%	29.81%
LONG-TERM ASSETS
Property, Plant & Equipment	$103.6M	$102.3M
YoY Change	1.31%	-42.73%
Goodwill	$628.1M	$602.8M
YoY Change	-23.96%	-29.26%
Intangibles
YoY Change
Long-Term Investments	$3.719B	$3.583B
YoY Change	12.01%	7.58%
Other Assets	$15.15M	$15.06M
YoY Change	-5.91%	-15.73%
Total Long-Term Assets	$4.698B	$4.518B
YoY Change	2.77%	-2.76%
TOTAL ASSETS
Total Short-Term Assets	$295.6M	$298.5M
Total Long-Term Assets	$4.698B	$4.518B
Total Assets	$4.994B	$4.817B
YoY Change	4.9%	-1.22%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable	$222.8M	$197.6M
YoY Change	16.92%	-2.71%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt	$0.00	$0.00
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$222.8M	$197.6M
YoY Change	16.92%	-2.71%
LONG-TERM LIABILITIES
Long-Term Debt	$3.551B	$3.455B
YoY Change	14.01%	7.86%
Other Long-Term Liabilities	$172.2M	$176.0M
YoY Change	-32.92%	-25.49%
Total Long-Term Liabilities	$3.723B	$3.631B
YoY Change	10.44%	5.57%
TOTAL LIABILITIES
Total Short-Term Liabilities	$222.8M	$197.6M
Total Long-Term Liabilities	$3.723B	$3.631B
Total Liabilities	$3.946B	$3.829B
YoY Change	10.78%	5.11%
SHAREHOLDERS EQUITY
Retained Earnings	$1.135B	$1.105B
YoY Change	-13.99%	-15.07%
Common Stock	$237.0K	$237.0K
YoY Change	0.85%	0.85%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity	$1.048B	$988.1M
YoY Change
Total Liabilities & Shareholders Equity	$4.994B	$4.817B
YoY Change	4.9%	-1.22%

Cashflow Statement

Concept	2024 Q3	2024 Q2
OPERATING ACTIVITIES
Net Income	$30.64M	$32.18M
YoY Change	58.45%	22.34%
Depreciation, Depletion And Amortization	$8.158M	$7.461M
YoY Change	-27.16%	-30.28%
Cash From Operating Activities	$45.93M	$35.71M
YoY Change	-14.32%	33.71%
INVESTING ACTIVITIES
Capital Expenditures	$6.200M	$7.390M
YoY Change	-15.07%	60.03%
Acquisitions
YoY Change
Other Investing Activities	-$37.62M	-$33.61M
YoY Change	-23.69%	-57.4%
Cash From Investing Activities	-$43.82M	-$41.00M
YoY Change	-22.44%	-50.91%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities	-9.005M	83.70M
YoY Change	-71.59%	4.3%
NET CHANGE
Cash From Operating Activities	45.93M	35.71M
Cash From Investing Activities	-43.82M	-41.00M
Cash From Financing Activities	-9.005M	83.70M
Net Change In Cash	-6.897M	78.41M
YoY Change	-80.07%	234.65%
FREE CASH FLOW
Cash From Operating Activities	$45.93M	$35.71M
Capital Expenditures	$6.200M	$7.390M
Free Cash Flow	$39.73M	$28.32M
YoY Change	-14.2%	28.2%

Facts In Submission

Frame	Concept Type	Concept / XBRL Key	Value	Unit
CY2024Q2	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Carrying Amount Net CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet	3583322000	usd
CY2023Q4	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Carrying Amount Net CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet	3468432000	usd
CY2024Q2	us-gaap	Preferred Stock Shares Outstanding PreferredStockSharesOutstanding	0	shares
CY2024Q2	us-gaap	Common Stock Shares Issued CommonStockSharesIssued	23691000	shares
CY2024Q2	us-gaap	Common Stock Shares Outstanding CommonStockSharesOutstanding	23691000	shares
CY2024Q2	us-gaap	Stockholders Equity StockholdersEquity	988127000	usd
CY2023Q4	us-gaap	Stockholders Equity StockholdersEquity	936538000	usd
	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion	596858000	usd
CY2024Q2	us-gaap	Interest Expense InterestExpense	61376000	usd
CY2023Q2	us-gaap	Interest Expense InterestExpense	49983000	usd
	us-gaap	Interest Expense InterestExpense	117141000	usd
	us-gaap	Interest Expense InterestExpense	96818000	usd
CY2024Q2	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	29659000	usd
CY2023Q2	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	45773000	usd
	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	49382000	usd
	us-gaap	Comprehensive Income Net Of Tax ComprehensiveIncomeNetOfTax	72847000	usd
CY2024Q2	ecpg	Stock Issued During Period Value Stock Options Exercised Includes Restricted Stock Units Netof Tax Withholdings StockIssuedDuringPeriodValueStockOptionsExercisedIncludesRestrictedStockUnitsNetofTaxWithholdings	-28000	usd
CY2023Q1	us-gaap	Stockholders Equity Including Portion Attributable To Noncontrolling Interest StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest	1184156000	usd
CY2023Q2	us-gaap	Profit Loss ProfitLoss	26305000	usd
CY2023Q2	us-gaap	Other Comprehensive Income Loss Before Reclassifications Net Of Tax OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax	19468000	usd
CY2022Q4	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Carrying Amount Net CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet	3088261000	usd
CY2023Q4	us-gaap	Preferred Stock Shares Issued PreferredStockSharesIssued	0	shares
CY2024Q2	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion	321930000	usd
	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion	637782000	usd
CY2024Q2	ecpg	Other Comprehensive Income Loss Foreign Currency Transaction And Translation Gain Loss Arising During Period Net Of Divestiture Net Of Tax OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationGainLossArisingDuringPeriodNetOfDivestitureNetOfTax	-1146000	usd
CY2023Q2	ecpg	Other Comprehensive Income Loss Foreign Currency Transaction And Translation Gain Loss Arising During Period Net Of Divestiture Net Of Tax OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationGainLossArisingDuringPeriodNetOfDivestitureNetOfTax	17532000	usd
	ecpg	Other Comprehensive Income Loss Foreign Currency Transaction And Translation Gain Loss Arising During Period Net Of Divestiture Net Of Tax OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationGainLossArisingDuringPeriodNetOfDivestitureNetOfTax	-7292000	usd
	ecpg	Other Comprehensive Income Loss Foreign Currency Transaction And Translation Gain Loss Arising During Period Net Of Divestiture Net Of Tax OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationGainLossArisingDuringPeriodNetOfDivestitureNetOfTax	33540000	usd
CY2023Q2	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion	301184000	usd
CY2024Q2	us-gaap	Adjustments To Additional Paid In Capital Share Based Compensation Stock Options Requisite Service Period Recognition AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationStockOptionsRequisiteServicePeriodRecognition	4637000	usd
CY2023Q2	ecpg	Stock Issued During Period Value Stock Options Exercised Includes Restricted Stock Units Netof Tax Withholdings StockIssuedDuringPeriodValueStockOptionsExercisedIncludesRestrictedStockUnitsNetofTaxWithholdings	33000	usd
CY2023Q2	us-gaap	Adjustments To Additional Paid In Capital Share Based Compensation Stock Options Requisite Service Period Recognition AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationStockOptionsRequisiteServicePeriodRecognition	3873000	usd
CY2023Q2	us-gaap	Stockholders Equity Including Portion Attributable To Noncontrolling Interest StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest	1233835000	usd
CY2023Q4	us-gaap	Stockholders Equity Including Portion Attributable To Noncontrolling Interest StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest	936538000	usd
	us-gaap	Profit Loss ProfitLoss	55420000	usd
	us-gaap	Other Comprehensive Income Loss Before Reclassifications Net Of Tax OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax	-6038000	usd
	ecpg	Stock Issued During Period Value Stock Options Exercised Includes Restricted Stock Units Netof Tax Withholdings StockIssuedDuringPeriodValueStockOptionsExercisedIncludesRestrictedStockUnitsNetofTaxWithholdings	-5787000	usd
	us-gaap	Adjustments To Additional Paid In Capital Share Based Compensation Stock Options Requisite Service Period Recognition AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationStockOptionsRequisiteServicePeriodRecognition	7994000	usd
CY2024Q2	us-gaap	Stockholders Equity Including Portion Attributable To Noncontrolling Interest StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest	988127000	usd
	us-gaap	Adjustments To Additional Paid In Capital Share Based Compensation Stock Options Requisite Service Period Recognition AdjustmentsToAdditionalPaidInCapitalShareBasedCompensationStockOptionsRequisiteServicePeriodRecognition	7925000	usd
	ecpg	Adjustments To Additional Paid In Capital Purchase Of Convertible Note Capped Call Option AdjustmentsToAdditionalPaidInCapitalPurchaseOfConvertibleNoteCappedCallOption	13865000	usd
	ecpg	Adjustments To Additional Paid In Capital Unwind Of Capped Call Options AdjustmentsToAdditionalPaidInCapitalUnwindOfCappedCallOptions	28542000	usd
	ecpg	Settlement Of Convertible Notes SettlementOfConvertibleNotes	34921000	usd
CY2023Q2	us-gaap	Stockholders Equity Including Portion Attributable To Noncontrolling Interest StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest	1233835000	usd
	us-gaap	Profit Loss ProfitLoss	55420000	usd
	us-gaap	Profit Loss ProfitLoss	44931000	usd
	us-gaap	Depreciation Depletion And Amortization DepreciationDepletionAndAmortization	15309000	usd
	us-gaap	Depreciation Depletion And Amortization DepreciationDepletionAndAmortization	21572000	usd
	us-gaap	Other Noncash Income Expense OtherNoncashIncomeExpense	-7941000	usd
	us-gaap	Other Noncash Income Expense OtherNoncashIncomeExpense	-8660000	usd
	us-gaap	Share Based Compensation ShareBasedCompensation	7925000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Changes To Expected Current And Future Period Recoveries CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesChangesToExpectedCurrentAndFuturePeriodRecoveries	-6655000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Changes To Expected Current And Future Period Recoveries CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesChangesToExpectedCurrentAndFuturePeriodRecoveries	-12987000	usd
	us-gaap	Other Operating Activities Cash Flow Statement OtherOperatingActivitiesCashFlowStatement	3357000	usd
	us-gaap	Other Operating Activities Cash Flow Statement OtherOperatingActivitiesCashFlowStatement	985000	usd
	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	25896000	usd
	us-gaap	Increase Decrease In Other Operating Assets IncreaseDecreaseInOtherOperatingAssets	35730000	usd
	us-gaap	Increase Decrease In Accounts Payable And Accrued Liabilities IncreaseDecreaseInAccountsPayableAndAccruedLiabilities	16727000	usd
	us-gaap	Increase Decrease In Accounts Payable And Accrued Liabilities IncreaseDecreaseInAccountsPayableAndAccruedLiabilities	-1492000	usd
	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	86697000	usd
	us-gaap	Net Cash Provided By Used In Operating Activities NetCashProvidedByUsedInOperatingActivities	62623000	usd
	us-gaap	Payments To Acquire Finance Receivables PaymentsToAcquireFinanceReceivables	566960000	usd
	us-gaap	Payments To Acquire Finance Receivables PaymentsToAcquireFinanceReceivables	544721000	usd
	us-gaap	Proceeds From Collection Of Finance Receivables ProceedsFromCollectionOfFinanceReceivables	419833000	usd
	us-gaap	Proceeds From Collection Of Finance Receivables ProceedsFromCollectionOfFinanceReceivables	342020000	usd
	ecpg	Payments To Purchase Assets Held For Sale PaymentsToPurchaseAssetsHeldForSale	212000	usd
	ecpg	Payments To Purchase Assets Held For Sale PaymentsToPurchaseAssetsHeldForSale	24645000	usd
	us-gaap	Payments To Acquire Property Plant And Equipment PaymentsToAcquirePropertyPlantAndEquipment	14251000	usd
	us-gaap	Payments For Proceeds From Other Investing Activities PaymentsForProceedsFromOtherInvestingActivities	-29704000	usd
	us-gaap	Net Cash Provided By Used In Investing Activities NetCashProvidedByUsedInInvestingActivities	-131886000	usd
	us-gaap	Payments Of Financing Costs PaymentsOfFinancingCosts	17201000	usd
	us-gaap	Proceeds From Long Term Lines Of Credit ProceedsFromLongTermLinesOfCredit	393455000	usd
	us-gaap	Repayments Of Long Term Lines Of Credit RepaymentsOfLongTermLinesOfCredit	1234189000	usd
	us-gaap	Proceeds From Issuance Of Senior Long Term Debt ProceedsFromIssuanceOfSeniorLongTermDebt	1000000000	usd
	us-gaap	Repayments Of Senior Debt RepaymentsOfSeniorDebt	19540000	usd
	us-gaap	Proceeds From Convertible Debt ProceedsFromConvertibleDebt	0	usd
	us-gaap	Repayments Of Convertible Debt RepaymentsOfConvertibleDebt	0	usd
	ecpg	Proceeds From Convertible Hedge Instruments Net ProceedsFromConvertibleHedgeInstrumentsNet	0	usd
	us-gaap	Proceeds From Payments For Other Financing Activities ProceedsFromPaymentsForOtherFinancingActivities	16967000	usd
	us-gaap	Net Cash Provided By Used In Financing Activities NetCashProvidedByUsedInFinancingActivities	139492000	usd
	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect	94303000	usd
	us-gaap	Effect Of Exchange Rate On Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents EffectOfExchangeRateOnCashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	-2046000	usd
CY2023Q4	us-gaap	Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents	158364000	usd
	us-gaap	Interest Paid Net InterestPaidNet	80945000	usd
	us-gaap	Income Taxes Paid Net IncomeTaxesPaidNet	42365000	usd
	us-gaap	Transfer To Other Real Estate TransferToOtherRealEstate	3098000	usd
	us-gaap	Use Of Estimates UseOfEstimates	<div style="margin-bottom:9pt;margin-top:5pt;text-indent:22.5pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:10pt;font-weight:400;line-height:120%">The preparation of condensed financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts and the disclosure of contingent amounts in the Company’s condensed financial statements and the accompanying notes. Actual results could materially differ from those estimates.</span></div>
CY2024Q2	us-gaap	Net Income Loss NetIncomeLoss	32181000	usd
CY2024Q2	us-gaap	Weighted Average Number Of Shares Outstanding Basic WeightedAverageNumberOfSharesOutstandingBasic	23883000	shares
CY2024Q2	us-gaap	Incremental Common Shares Attributable To Share Based Payment Arrangements IncrementalCommonSharesAttributableToShareBasedPaymentArrangements	19000	shares
CY2024Q2	us-gaap	Incremental Common Shares Attributable To Conversion Of Debt Securities IncrementalCommonSharesAttributableToConversionOfDebtSecurities	195000	shares
CY2024Q2	us-gaap	Weighted Average Number Of Diluted Shares Outstanding WeightedAverageNumberOfDilutedSharesOutstanding	24097000	shares
CY2024Q2	us-gaap	Earnings Per Share Basic EarningsPerShareBasic	1.35
CY2024Q2	us-gaap	Earnings Per Share Diluted EarningsPerShareDiluted	1.34
	us-gaap	Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount	0	shares
CY2024Q2	us-gaap	Assets Held For Sale Not Part Of Disposal Group Other AssetsHeldForSaleNotPartOfDisposalGroupOther	55300000	usd
CY2024Q2	us-gaap	Notes Receivable Gross NotesReceivableGross	0	usd
CY2023Q4	us-gaap	Notes Receivable Gross NotesReceivableGross	0	usd
CY2024Q2	us-gaap	Financing Receivable Allowance For Credit Losses FinancingReceivableAllowanceForCreditLosses	3583322000	usd
CY2023Q4	us-gaap	Financing Receivable Allowance For Credit Losses FinancingReceivableAllowanceForCreditLosses	3468432000	usd
CY2024Q2	us-gaap	Financing Receivable Covered After Allowance For Credit Loss FinancingReceivableCoveredAfterAllowanceForCreditLoss	3583322000	usd
CY2023Q4	us-gaap	Financing Receivable Covered After Allowance For Credit Loss FinancingReceivableCoveredAfterAllowanceForCreditLoss	3468432000	usd
CY2024Q1	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Carrying Amount Net CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet	3531387000	usd
CY2023Q1	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Carrying Amount Net CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet	3214792000	usd
CY2023Q4	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Carrying Amount Net CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet	3468432000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Purchases Of Receivable Portfolios CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesPurchasesOfReceivablePortfolios	574406000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Purchases Of Receivable Portfolios CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesPurchasesOfReceivablePortfolios	550756000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Collections Applied To Principal Balance CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCollectionsAppliedToPrincipalBalance	419833000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Collections Applied To Principal Balance CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCollectionsAppliedToPrincipalBalance	342020000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Changes In Expected Recoveries CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesChangesInExpectedRecoveries	-6655000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Changes In Expected Recoveries CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesChangesInExpectedRecoveries	-12987000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Put Backs And Recalls CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesPutBacksAndRecalls	7446000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Put Backs And Recalls CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesPutBacksAndRecalls	6035000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Disposalsor Transfersto Heldfor Sale Net CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesDisposalsorTransferstoHeldforSaleNet	3098000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Disposalsor Transfersto Heldfor Sale Net CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesDisposalsorTransferstoHeldforSaleNet	6244000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Foreign Currency Translation Adjustment Gain Loss CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesForeignCurrencyTranslationAdjustmentGainLoss	22484000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Foreign Currency Translation Adjustment Gain Loss CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesForeignCurrencyTranslationAdjustmentGainLoss	-59255000	usd
CY2024Q2	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Carrying Amount Net CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet	3583322000	usd
CY2023Q2	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Carrying Amount Net CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet	3330986000	usd
CY2024Q2	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Carrying Amount Net CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet	3583322000	usd
CY2023Q2	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Carrying Amount Net CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet	3330986000	usd
	us-gaap	Financing Receivable Purchased With Credit Deterioration Amount At Purchase Price FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice	574406000	usd
	us-gaap	Financing Receivable Purchased With Credit Deterioration Amount At Purchase Price FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice	550756000	usd
	us-gaap	Financing Receivable Purchased With Credit Deterioration Allowance For Credit Loss At Acquisition Date FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate	1294156000	usd
	us-gaap	Financing Receivable Purchased With Credit Deterioration Allowance For Credit Loss At Acquisition Date FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate	1350145000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Amortized Cost CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAmortizedCost	1868562000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Amortized Cost CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAmortizedCost	1900901000	usd
	us-gaap	Financing Receivable Purchased With Credit Deterioration Discount Premium FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium	2467754000	usd
	us-gaap	Financing Receivable Purchased With Credit Deterioration Discount Premium FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium	2054454000	usd
	us-gaap	Financing Receivable Purchased With Credit Deterioration Amount At Par Value FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue	4336316000	usd
	us-gaap	Financing Receivable Purchased With Credit Deterioration Amount At Par Value FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue	3955355000	usd
	ecpg	Financing Receivable Purchased With Credit Deterioration Allowance For Credit Loss At Acquisition Date Write Offs FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDateWriteOffs	1868562000	usd
	ecpg	Financing Receivable Purchased With Credit Deterioration Allowance For Credit Loss At Acquisition Date Write Offs FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDateWriteOffs	1900901000	usd
	ecpg	Financing Receivable Purchased With Credit Deterioration Discount Premium Write Off FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremiumWriteOff	2467754000	usd
	ecpg	Financing Receivable Purchased With Credit Deterioration Discount Premium Write Off FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremiumWriteOff	2054454000	usd
	ecpg	Financing Receivable Purchased With Credit Deterioration Allowance For Credit Loss At Acquisition Date Reversals FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDateReversals	574406000	usd
	ecpg	Financing Receivable Purchased With Credit Deterioration Allowance For Credit Loss At Acquisition Date Reversals FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDateReversals	550756000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Purchases Of Receivable Portfolios CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesPurchasesOfReceivablePortfolios	574406000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Purchases Of Receivable Portfolios CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesPurchasesOfReceivablePortfolios	550756000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Gross Collections CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesGrossCollections	1057615000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Gross Collections CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesGrossCollections	938878000	usd
	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion	637782000	usd
	us-gaap	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion	596858000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Collections Applied To Principal Balance CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCollectionsAppliedToPrincipalBalance	419833000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Collections Applied To Principal Balance CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCollectionsAppliedToPrincipalBalance	342020000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Changes To Expected Current Period Recoveries CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesChangesToExpectedCurrentPeriodRecoveries	28296000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Changes To Expected Current Period Recoveries CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesChangesToExpectedCurrentPeriodRecoveries	-15835000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Changes To Expected Future Period Recoveries CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesChangesToExpectedFuturePeriodRecoveries	-34951000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Changes To Expected Future Period Recoveries CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesChangesToExpectedFuturePeriodRecoveries	2848000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Changes In Expected Recoveries CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesChangesInExpectedRecoveries	-6655000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Changes In Expected Recoveries CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesChangesInExpectedRecoveries	-12987000	usd
CY2023Q2	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Changes To Expected Current Period Recoveries CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesChangesToExpectedCurrentPeriodRecoveries	-500000	usd
	ecpg	Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Changes To Expected Current Period Recoveries CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesChangesToExpectedCurrentPeriodRecoveries	-15800000	usd
CY2024Q2	us-gaap	Prepaid Expense Current And Noncurrent PrepaidExpenseCurrentAndNoncurrent	36543000	usd
CY2023Q4	us-gaap	Prepaid Expense Current And Noncurrent PrepaidExpenseCurrentAndNoncurrent	32910000	usd
CY2024Q2	us-gaap	Income Tax Receivable IncomeTaxReceivable	30927000	usd
CY2023Q4	us-gaap	Income Tax Receivable IncomeTaxReceivable	8735000	usd
CY2024Q2	us-gaap	Deferred Income Tax Assets Net DeferredIncomeTaxAssetsNet	15060000	usd
CY2023Q4	us-gaap	Deferred Income Tax Assets Net DeferredIncomeTaxAssetsNet	17277000	usd
CY2024Q2	ecpg	Service Fee Receivable ServiceFeeReceivable	11292000	usd
CY2023Q4	ecpg	Service Fee Receivable ServiceFeeReceivable	9080000	usd
CY2024Q2	us-gaap	Derivative Assets DerivativeAssets	4428000	usd
CY2023Q4	us-gaap	Derivative Assets DerivativeAssets	17311000	usd
CY2024Q2	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.243
	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.241
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	us-gaap	Effective Income Tax Rate Continuing Operations EffectiveIncomeTaxRateContinuingOperations	0.268
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CY2024Q2	us-gaap	Purchase Commitment Remaining Minimum Amount Committed PurchaseCommitmentRemainingMinimumAmountCommitted	440100000	usd
	us-gaap	Number Of Reportable Segments NumberOfReportableSegments	1	segment
CY2024Q2	ecpg	Revenues Adjustedby Net Allowances RevenuesAdjustedbyNetAllowances	355285000	usd
CY2023Q2	ecpg	Revenues Adjustedby Net Allowances RevenuesAdjustedbyNetAllowances	323044000	usd
	ecpg	Revenues Adjustedby Net Allowances RevenuesAdjustedbyNetAllowances	683671000	usd
	ecpg	Revenues Adjustedby Net Allowances RevenuesAdjustedbyNetAllowances	635674000	usd
CY2024Q1	us-gaap	Goodwill Goodwill	602400000	usd
CY2024Q2	us-gaap	Goodwill Foreign Currency Translation Gain Loss GoodwillForeignCurrencyTranslationGainLoss	411000	usd
CY2024Q2	us-gaap	Goodwill Goodwill	602811000	usd
CY2023Q4	us-gaap	Goodwill Impaired Accumulated Impairment Loss GoodwillImpairedAccumulatedImpairmentLoss	238200000	usd
CY2024Q2	us-gaap	Goodwill Impaired Accumulated Impairment Loss GoodwillImpairedAccumulatedImpairmentLoss	238200000	usd
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CY2023Q2	us-gaap	Goodwill Foreign Currency Translation Gain Loss GoodwillForeignCurrencyTranslationGainLoss	18022000	usd
CY2023Q2	us-gaap	Goodwill Goodwill	852196000	usd
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	us-gaap	Goodwill Foreign Currency Translation Gain Loss GoodwillForeignCurrencyTranslationGainLoss	-3664000	usd
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CY2024Q2	us-gaap	Goodwill Impaired Accumulated Impairment Loss GoodwillImpairedAccumulatedImpairmentLoss	238200000	usd
CY2022Q4	us-gaap	Goodwill Goodwill	821214000	usd
	us-gaap	Goodwill Foreign Currency Translation Gain Loss GoodwillForeignCurrencyTranslationGainLoss	30982000	usd
CY2023Q2	us-gaap	Goodwill Goodwill	852196000	usd
CY2023Q2	us-gaap	Goodwill Impaired Accumulated Impairment Loss GoodwillImpairedAccumulatedImpairmentLoss	0	usd
CY2022Q4	us-gaap	Goodwill Impaired Accumulated Impairment Loss GoodwillImpairedAccumulatedImpairmentLoss	0	usd
CY2024Q2	us-gaap	Finite Lived Intangible Assets Gross FiniteLivedIntangibleAssetsGross	918000	usd
CY2024Q2	us-gaap	Finite Lived Intangible Assets Accumulated Amortization FiniteLivedIntangibleAssetsAccumulatedAmortization	918000	usd
CY2024Q2	us-gaap	Finite Lived Intangible Assets Net FiniteLivedIntangibleAssetsNet	0	usd
CY2023Q4	us-gaap	Finite Lived Intangible Assets Gross FiniteLivedIntangibleAssetsGross	918000	usd
CY2023Q4	us-gaap	Finite Lived Intangible Assets Accumulated Amortization FiniteLivedIntangibleAssetsAccumulatedAmortization	870000	usd
CY2023Q4	us-gaap	Finite Lived Intangible Assets Net FiniteLivedIntangibleAssetsNet	48000	usd
CY2024Q2	ecd	Rule10b51 Arr Adopted Flag Rule10b51ArrAdoptedFlag	false
CY2024Q2	ecd	Non Rule10b51 Arr Adopted Flag NonRule10b51ArrAdoptedFlag	false
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CY2024Q2	ecd	Rule10b51 Arr Trmntd Flag Rule10b51ArrTrmntdFlag	false

Files In Submission

Name	View Source	Status
ecpg-20240630_lab.xml	Edgar Link	unprocessable
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0001084961-24-000085-index.html	Edgar Link	pending
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ecpg-20240630.htm	Edgar Link	pending
ecpg-20240630.xsd	Edgar Link	pending
ecpg-20240630ex101internat.htm	Edgar Link	pending
ecpg-20240630ex102nonxempl.htm	Edgar Link	pending
ecpg-20240630ex311.htm	Edgar Link	pending
ecpg-20240630ex312.htm	Edgar Link	pending
ecpg-20240630ex321.htm	Edgar Link	pending
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ecpg-20240630_def.xml	Edgar Link	unprocessable
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ecpg-20240630_htm.xml	Edgar Link	completed
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R62.htm	Edgar Link	pending
R7.htm	Edgar Link	pending
R8.htm	Edgar Link	pending
R9.htm	Edgar Link	pending
report.css	Edgar Link	pending
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ecpg-20240630_cal.xml	Edgar Link	unprocessable

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$ECPG
ENCORE CAPITAL GROUP INC Stock $ecpg

2024 Q3 Form 10-Q Financial Statement

#000108496124000085 Filed on August 07, 2024

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$ECPG ENCORE CAPITAL GROUP INC Stock $ecpg

2024 Q3 Form 10-Q Financial Statement

#000108496124000085 Filed on August 07, 2024

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$ECPG
ENCORE CAPITAL GROUP INC Stock $ecpg