SuperworthEncore Capital profit margin ECPG
Gross, operating and net profit as a share of revenue over the last twelve months, from 2011.
- Net margin, 12 months
- 15.9%
- Operating margin, 12 months
- 37.7%
- Net margin on a year earlier
- +21.9 pts
- Peer median
- 7.8%
Over the twelve months to Jun 30, 2026, Encore Capital kept 15.9% of its revenue as net profit, with an operating margin of 37.7%.
Five years earlier its net margin was 17.4%.
The median for 10 credit services stocks of a similar size is 7.8%.
Profit margin over time
Fiscal year by fiscal year
| Fiscal year | Net margin | Operating margin |
|---|---|---|
| FY2025 | 14.5% | 35.4% |
| FY2024 | −10.6% | 12.0% |
| FY2023 | −16.9% | 1.4% |
| FY2022 | 13.9% | 33.1% |
| FY2021 | 21.7% | 39.2% |
| FY2020 | 14.1% | 35.5% |
| FY2019 | 11.9% | 31.8% |
| FY2018 | 8.8% | 30.7% |
| FY2017 | 7.2% | 28.1% |
| FY2016 | 7.4% | 23.5% |
| FY2015 | 4.0% | 25.0% |
| FY2014 | 9.7% | 29.8% |
| FY2013 | 9.7% | 25.6% |
| FY2012 | 12.5% | 27.9% |
| FY2011 | 13.6% | 26.9% |
Quarter by quarter
| Quarter | Ended | Net margin, 12 months | Change on a year | Operating margin |
|---|---|---|---|---|
| Q2 FY26 | 15.9% | +21.9 pts | 37.7% | |
| Q1 FY26 | 16.0% | +24.4 pts | 36.8% | |
| Q4 FY25 | 14.5% | +25.1 pts | 35.4% | |
| Q3 FY25 | −2.9% | +11.0 pts | 20.4% | |
| Q2 FY25 | −6.1% | +9.4 pts | 17.2% | |
| Q1 FY25 | −8.4% | +7.9 pts | 14.7% | |
| Q4 FY24 | −10.6% | +6.3 pts | 12.0% | |
| Q3 FY24 | −13.9% | −13.2 pts | 5.6% | |
| Q2 FY24 | −15.4% | −15.7 pts | 3.4% | |
| Q1 FY24 | −16.3% | −19.4 pts | 2.4% | |
| Q4 FY23 | −16.9% | −30.8 pts | 1.4% | |
| Q3 FY23 | −0.8% | −23.3 pts | 19.6% |
Against its peers
Companies in Financial - Credit Services nearest Encore Capital's size, closest first, today.
| Company | Profit margin |
|---|---|
| ECPGEncore Capital | 15.9% |
| AGMFederal Agricultural Mortgage | 51.4% |
| WUWestern Union CO | 9.8% |
| UPSTUpstart | 4.8% |
| FLYWFlywire | 4.8% |
| PAYOPayoneer Global | 4.6% |
| EEFTEuronet Worldwide | 6.6% |
| HAPNHappen | 18.7% |
| PGYPagaya Technologies | 9.1% |
| CBZCBIZ | 4.7% |
| NUTXNutex Health | 21.2% |
| Peer median | 7.8% |
Where Encore Capital ranks
What the profit margin tells you
Profit as a share of revenue at three levels: gross (after making the product), operating (after running the business) and net (after everything, including tax and interest).
Compare within an industry. 10% is superb for a retailer and poor for a software company.
More on Encore Capital
Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.