Encore Capital Group, Inc.

ECPGNASDAQFinancial Services● Active

$80.16

$-1.31(-1.60%)

Market Cap$1.7B

P/E Ratio—

52W High$92.64

52W Low$35.67

Avg Volume328K

Open$82.32

Beta1.30

Overview

Encore Capital Group, Inc. (ECPG) Cash on Hand — Cash & Short-Term Investments

Cash & cash equivalents plus short-term investments from the balance sheet, YoY change, and net cash vs debt context.

ECPG · cash on hand · updated Dec 31, 2025

Core cash position

as of Dec 31, 2025

Cash & Short-Term Investments (CCE + ST Investments)

$156.8M▼ -21.6% vs prior year

FY · as of Dec 31, 2025 · Reported in USD

Cash & Cash Equiv. (CCE)

$156.8M

cashAndCashEquivalents

Short-Term Investments

shortTermInvestments

YoY Change vs Prior Year

-21.6%

vs prior fiscal year

Latest Quarter

$227.2M

Q1 2026

Data Scope & Methodology

Cash on Hand = Cash & Cash Equivalents (CCE) + Short-Term Investments, as reported on the balance sheet (10-K/10-Q). Also referred to as cash reserves or cash position. Not free cash flow.

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · Reported in USD

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · USDUpdated: December 31, 2025

Net cash vs debt

Cash vs Debt · Balance Sheet Health

Cash & ST Investments$156.8MCash on Hand

Total Debt$4.13BTotal Debt

Net Cash / Net Debt−$3.98BNet Debt Position

Cash vs Debt Ratio

Cash 4%Encore Capital Group, Inc. cash as % of market cap: 9.12%% · MCap $2BDebt 96%

Encore Capital Group, Inc. carries a net debt position of $3.98B. Total debt ($4.13B) exceeds cash on hand ($156.8M). Encore Capital Group, Inc. cash vs debt ratio: 4% cash / 96% debt.

Net Cash = Cash & ST Investments − Total Debt$156.8M − $4.13B = −$3.98B

Cash on hand history

annual cash on hand trend · Cash & Short-Term Investments

YoY Increase

YoY Decrease

Latest Year

ECPG annual cash on hand history · Cash & Short-Term Investments · Source: FMP /balance-sheet-statement

Annual cash on hand by year

ECPG cash & short-term investments history

DatePeriodCash & ST InvestmentsYoY Change

Dec 31, 2025LatestFY$156.8M-21.6%

Dec 31, 2024FY$199.9M+26.2%

Dec 31, 2023FY$158.4M+10.0%

Dec 31, 2022FY$143.9M-24.1%

Dec 31, 2021FY$189.6M+0.2%

ECPG cash on hand annual historical data · Cash & Short-Term Investments per balance sheet (10-K/10-Q) · Reported in USD · Source: FMP /balance-sheet-statement

Financial Services Sector Cash Reserves Comparison

ECPG vs peers · cash on hand

#CompanyCash & ST Inv.Market CapCash/MCapRelative

Berkshire Hathaway Inc.

Mastercard Incorporated

$10.90B$430B2.5%

Encore Capital Group, Inc.YOU

ECPG

$156.8M$2B9.1%

Financial Services sector cash reserves · Source: FMP /balance-sheet-statement + /profile · Sorted by Cash desccompanies with most cash on hand →

About cash on hand & methodology

Encore Capital Group, Inc. (ECPG) cash on hand as of December 31, 2025 is $156.8M, comprising $156.8M in cash and cash equivalents (CCE) plus $0 in short-term investments — reported as Encore Capital Group, Inc. cash and short-term investments on the balance sheet (10-K filing). Also referred to as Encore Capital Group, Inc. cash reserves or cash position.

Encore Capital Group, Inc. annual cash on hand history shows decreased -21.6% in 2025: decreased -21.6% in 2025. Encore Capital Group, Inc. cash reserves in 2025 reflect the company's capital allocation strategy.

Encore Capital Group, Inc. carries total debt of $4.13B against cash of $156.8M, resulting in a net debt position of -$3.98B. For the full balance sheet, see the Financials → Balance Sheet tab.

Figures tie to SEC 10-K/10-Q balance sheet disclosures and FMP /balance-sheet-statement where noted.

Financial statements Free cash flow Net income Revenue Market cap P/E ratio Earnings Price history

Frequently asked questions

ECPG cash on hand · 5 questions

As of December 31, 2025, Encore Capital Group, Inc. (ECPG) has $156,784,000 in cash on hand — defined as cash and short-term investments on the balance sheet. This includes $156,784,000 in cash and cash equivalents (CCE) plus $0 in short-term investments. Latest quarter (March 31, 2026): $227,204,000. Data sourced from the annual 10-K filing via FMP.

ECPG cash on handECPG cash reservesECPG cash 2025how much cash does ECPG have

▸ Source: FMP /balance-sheet-statement · US GAAP · Encore Capital Group, Inc. · Encore Capital Group, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: December 31, 2025