earnings
confidence high
sentiment positive
materiality 0.85
EPS $3.17 (+152% YoY); record collections $663M; raises FY2025 guidance to ~$2.55B
ENCORE CAPITAL GROUP INC
2025-Q3 EPS
reported $7.57
vs consensus $1.88
▲ beat
(+302.5%)
- EPS $3.17 (up 152% from $1.26); net income $74.7M (up 144% YoY).
- Global collections record $663M (+20% YoY); U.S. MCM collections record $502M (+25%).
- Portfolio purchases $346M (+23% YoY), with $261M in U.S. and $85M in Europe.
- FY2025 global collections guidance raised to ~$2.55B (18% growth); purchase guidance unchanged.
- ~$60M share repurchases YTD; board authorized $300M addition to repurchase program.