Encore Capital posts record 2025 results: EPS $10.91, net income $257M; guides 2026 EPS to $4.93-$5.02

ENCORE CAPITAL GROUP INC

2025-FY EPS reported $10.91 vs consensus $2.14 ▲ beat (+409.9%)

Full-year 2025 net income $256.8M ($10.91 EPS) swung from net loss of $139.2M ($(5.83) EPS) in 2024
Global collections up 20% to $2.59B; U.S. (MCM) record collections $1.95B (+24%) and record portfolio purchases $1.17B (+18%)
Global portfolio purchases in 2025 up 4% to $1.41B; Europe Cabot collections up 9% to $641M
2026 guidance: global collections ~$2.7B (+5%), portfolio purchases $1.4-$1.5B, EPS expected $4.93-$5.02 (formal outlook) and CEO expects EPS to increase 10% to ~$12.00
Repurchased ~9% of shares outstanding for $89.5M in 2025

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