Encore Capital Group ( (ECPG) ) has released its Q2 earnings. Here is a breakdown of the information Encore Capital Group presented to its investors.
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Encore Capital Group is an international specialty finance company that provides debt recovery solutions and services for consumers across various financial assets. Headquartered in San Diego, it operates globally through its subsidiaries, purchasing consumer receivables from major financial institutions and helping individuals manage their debt obligations.
Encore Capital Group reported strong financial results for the second quarter of 2025, highlighting significant growth in portfolio purchases and collections. The company achieved a record $367 million in global portfolio purchases, a 32% increase from the previous year, with U.S. purchases reaching a record $317 million. Global collections also hit a record $655 million, marking a 20% increase, with U.S. collections contributing $490 million.
Key financial metrics showed impressive performance, with earnings per share rising to $2.49, an 86% increase from the previous year. The company’s net income surged by 82% to $58.7 million, driven by strong operational execution and favorable market conditions. Encore’s U.S. business, MCM, delivered record results, while its European arm, Cabot, maintained solid performance with a 10% increase in collections.
Looking ahead, Encore Capital Group has raised its full-year collections guidance to approximately $2.5 billion, reflecting a 15.5% year-over-year growth. The company remains committed to its role in the consumer credit ecosystem and continues to focus on strategic investments and operational excellence to drive future growth.