Filing Flows › Encore Capital Group (ECPG) › How it makes money
How Encore Capital Group (ECPG) makes money
Encore Capital Group (ECPG) made $545M of revenue in the third quarter 2026 (Q3 2026), +18% from a year earlier. Of every dollar of revenue, 42¢ was left as operating profit, 23¢ was left as net earnings.
Drawing the Sankey…
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $545M | 100.0% |
| Operating profit | $231M | 42.3% |
| Income tax | $36.8M | 6.8% |
| Net earnings | $124M | 22.8% |
| Operating cash flow | $107M | 19.6% |
| Free cash flow | $102M | 18.7% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $545M | +18% |
| Q2 2026 | $492M | +11% |
| Q1 2026 | $475M | +21% |
| Q4 2025 | $474M | +78% |
| Q3 2025 | $460M | +25% |
| Q2 2025 | $442M | +24% |
| Q1 2025 | $393M | +20% |
From Encore Capital Group's 10-Q filed Nov 4, 2026 (on EDGAR).
Questions
How does Encore Capital Group make money?
Encore Capital Group (ECPG) made $545M of revenue in the third quarter 2026 (Q3 2026), +18% from a year earlier. Of every dollar of revenue, 42¢ was left as operating profit, 23¢ was left as net earnings.
What is Encore Capital Group's profit margin?
Net earnings were $124M, 22.8% of revenue, in the third quarter 2026; the operating margin was 42.3%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.