Encore Capital Group, Inc.

ECPGNASDAQFinancial Services● Active

$80.30

$-1.16(-1.42%)

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) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

ECPG · free cash flow · updated Jun 8, 2026

Core FCF metrics

ECPG · FCF · TTM · margin & CAGR

Free cash flow was $126.9M for FY2025 (fiscal year ending 2025-12-31), down 0.2% year-over-year The FCF margin was 7.2%. Five-year CAGR stands at -14.5%.

FY2025 Free Cash Flow$126.9M▼ -0.2% YoY

Trailing 12M (TTM)$166.1Mtrailing 4 quarters sum

FCF Margin7.2%$126.9M ÷ revenue

3-Year CAGR-1.8%FY2022 → FY2025

5-Year CAGR-14.5%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

ECPG · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$153.2M(26M)$126.9M▼ 0.2%7.2%

FY2024$156.2M(29M)$127.2M▲ +25.6%9.7%

FY2023$153.0M(52M)$101.3M▼ 24.5%8.3%

FY2022$210.7M(77M)$134.1M▼ 50.3%9.6%

FY2021$303.1M(33M)$269.7M▼ 3.1%16.7%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

ECPG · P/FCF · FCF yield · FCF per share

Encore Capital Group, Inc. (ECPG) trades at a FCF yield of 9.72% and a price-to-free-cash-flow ratio of 11.2x. FCF per share stands at $7.15, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

9.72%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$7.15

TTM FCF ÷ Shares Outstanding

Price / FCF

x11.2

Share Price ÷ FCF per Share

EV / FCF (TTM)

x33.2

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

ECPG · cash flow statement · operating / investing / financing

For FY2025, Encore Capital Group, Inc. generated $153.2M in operating cash flow and spent 26M in capital expenditures, yielding $126.9M in free cash flow.

Operating Activities

+$153.2M

Cash from core business operations

2025-12-31

Investing Activities

−$242.6M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$44.9M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($153.2M) − |CapEx| (26M) = FCF ($126.9M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

ECPG vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Encore Capital Group, Inc.YOU

ECPG

$126.9M-0.2%7.2%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Encore Capital Group, Inc. (ECPG) reported free cash flow of $126.9M for FY2025 (fiscal year ending 2025-12-31), down 0.2% year-over-year. The FCF margin was 7.2%.

Based on available data, Encore Capital Group, Inc. has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $278.3M in FY2020. The 5-year CAGR stands at -14.5%.

Encore Capital Group, Inc.'s FCF yield is 9.72% and price-to-FCF ratio is 11.2x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

ECPG free cash flow · 8 questions

Encore Capital Group, Inc. free cash flow was $126.9M for FY2025, down 0.2% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $166.1M.

ECPG free cash flowECPG FCFECPG FCF 2025ECPG free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Encore Capital Group, Inc. · Encore Capital Group, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026