Filing Flows › Comparisons › ECPG vs JCAP
Encore Capital Group vs Jefferson Capital: ECPG and JCAP compared
Encore Capital Group is the larger company: $545M of revenue in its latest quarter (Q3 2026) against $178M for Jefferson Capital (Q2 2026). Encore Capital Group is growing faster (+18% against +16% a year earlier). Jefferson Capital is more profitable, with an operating margin of 45.9% against 42.3%.
Where the money goes: ECPG and JCAP
Encore Capital Group (ECPG) · Q3 2026
Encore Capital Group, Q3 2026: revenue $545M (+18% year over year), operating margin 42.3%, net earnings $124M, operating cash flow $107M. The chart follows the revenue to costs, profit and cash.
Jefferson Capital (JCAP) · Q2 2026
Jefferson Capital, Q2 2026: revenue $178M (+16% year over year), operating margin 45.9%, net earnings $41.3M, operating cash flow $43.3M. The chart follows the revenue to costs, profit and cash.
| Encore Capital Group (ECPG) | Jefferson Capital (JCAP) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q2 2026 |
| Revenue | $545M | $178M |
| Revenue growth, Y/Y | +18% | +16% |
| Operating margin | 42.3% | 45.9% |
| Net earnings | $124M | $41.3M |
| Net margin | 22.8% | 23.3% |
| Operating cash flow | $107M | $43.3M |
| Free cash flow | $102M | — |
| Market value | $2.5B | — |
| P/E | 7.3× | — |
| Analysts’ mean target | $117.00 | — |
Where the revenue comes from
Jefferson Capital
- United States: $129M (72%)
- Canada: $20.5M (12%)
- United Kingdom: $16.6M (9%)
- Latin America: $11.8M (7%)
Questions
Which is bigger, Encore Capital Group or Jefferson Capital?
Encore Capital Group is the larger company: $545M of revenue in its latest quarter (Q3 2026) against $178M for Jefferson Capital (Q2 2026).
Is Encore Capital Group or Jefferson Capital growing faster?
Encore Capital Group is growing faster (+18% against +16% a year earlier).
Which is more profitable, Encore Capital Group or Jefferson Capital?
Jefferson Capital is more profitable, with an operating margin of 45.9% against 42.3%.
More: Encore Capital Group earnings · how Encore Capital Group makes money · Jefferson Capital earnings · how Jefferson Capital makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 4, 2026; 10-Q filed Aug 13, 2026). Fiscal quarters can end on different dates. Not investment advice.