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Encore Capital Group, Inc., an international specialty finance company, has released its financial results for the fourth quarter and full year ending December 31, 2025. The company reported significant growth in key financial metrics, reflecting its robust performance and strategic initiatives.
Financial Highlights
Encore Capital Group reported a notable increase in earnings per share (EPS) for 2025, reaching $10.91, compared to a loss of $5.83 per share in 2024. The company’s revenue surged by 34% to $1.77 billion, up from $1.32 billion in the previous year. Net income for the year was $256.8 million, a significant turnaround from a net loss of $139.2 million in 2024.
Business and Operational Highlights
Global portfolio purchases in 2025 increased by 4% to $1.41 billion, with U.S. purchases accounting for $1.17 billion. Global collections rose by 20% to $2.59 billion, driven by a 24% increase in U.S. collections to $1.95 billion. The company’s largest business, Midland Credit Management (MCM) in the U.S., played a crucial role in this growth, leveraging new technologies and enhanced digital capabilities.
In Europe, the Cabot business maintained solid performance with portfolio purchases of $234 million and collections of $641 million, up 9% from 2024.
Strategic Initiatives and Corporate Developments
Encore Capital Group repurchased approximately 9% of its outstanding shares for $89.5 million in 2025, reflecting its commitment to returning value to shareholders. The company also focused on reducing leverage, which contributed to strengthening its balance sheet.
Management’s Perspective
Ashish Masih, President and CEO of Encore Capital Group, highlighted the company’s industry leadership and operational innovation as key drivers of its strong financial performance. Masih emphasized the favorable portfolio purchasing environment in the U.S. and the company’s strategic focus on deploying new technologies and enhancing digital capabilities.
Future Outlook
Looking ahead to 2026, Encore Capital Group anticipates global portfolio purchases to be in the range of $1.4 billion to $1.5 billion, with an expected 5% increase in global collections to $2.7 billion. The company projects a 10% increase in EPS to $12.00, driven by continued business momentum and strategic initiatives.
Original SEC Filing: ENCORE CAPITAL GROUP INC [ ECPG ] – 8-K – Feb. 25, 2026
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