Filing Flows › Encore Capital Group (ECPG) › Q3 2026 › vs Q3 2025
Encore Capital Group (ECPG) Q3 2026 vs Q3 2025 (year over year)
Encore Capital Group's revenue rose $84.2M (+18%) from $460M in Q3 2025 to $545M in Q3 2026. Operating margin 42.3% against 37.6% (+4.7 pts).
Encore Capital Group, Q3 2026: revenue $545M (+18% year over year), operating margin 42.3%, net earnings $124M, operating cash flow $107M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 42.3% | 37.6% | +4.7 pts |
| Net margin | 22.8% | 16.2% | +6.6 pts |
| Free cash flow margin | 18.7% | 16.4% | +2.3 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $545M | $460M | $84.2M | +18% |
| Operating profit | $231M | $173M | $57.4M | +33% |
| Costs & expenses | $314M | $287M | $26.8M | +9% |
| Pre-tax earnings | $161M | $99.9M | $60.9M | +61% |
| Other expense, net | $69.8M | $73.3M | −$3.5M | -5% |
| General & admin | $43.6M | $39.2M | $4.4M | +11% |
| Other operating costs | $270M | $248M | $22.4M | +9% |
| Net earnings | $124M | $74.7M | $49.4M | +66% |
| Income tax | $36.8M | $25.2M | $11.6M | +46% |
| Depreciation & amortization | $7.1M | $7.2M | −$60K | -0.8% |
| Share-based compensation | $4.7M | $4.3M | $361K | +8% |
| Working capital & other | $29.1M | $4.6M | $24.6M | +535% |
| Operating cash flow | $107M | $81.6M | $25.1M | +31% |
| Free cash flow (OCF − capex) | $102M | $75.6M | $26.3M | +35% |
| Capital expenditures | $4.8M | $6.0M | −$1.2M | -20% |
Questions
How much did Encore Capital Group's revenue grow year over year in Q3 2026?
Encore Capital Group's revenue rose $84.2M (+18%) from $460M in Q3 2025 to $545M in Q3 2026. Operating margin 42.3% against 37.6% (+4.7 pts).