Encore Capital Group Inc is classed by the SEC under Short-Term Business Credit Institutions (industry code 6153), based in San Diego, CA. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $88 million and a profit of $257 million (its filed statements).
Lending businessShort-Term Business Credit InstitutionsSan Diego, CAfilings since 19999 of 9 filed
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6153, Short-Term Business Credit Institutions); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 6.8 out of ten, 9 of 9 metrics filed: past 7.0 out of ten, present 7.1 out of ten, future 6.1 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 7.8 out of ten. No warning events in its filings since 2017. 78th percentile among 20 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 5.3 out of ten. +5.3% a year over 10 filed years; profitable in 8 of 10. 53rd percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 7.0 out of ten. Share count shrank 3.4% a year. 20% of cash flow returned. Insiders: 16 sales, 0 purchases. 70th percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 7.3 out of ten. ROE 26%: 26¢ of profit per shareholder dollar. Leverage 82%: owes 82¢ per asset dollar. 72nd percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 6.5 out of ten. top 35% of 19 in its family; net margin 14.5%. 65th percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 7.8 out of ten. top 22% of 14 in its family for leadership; chief executive since 2017. 78th percentile among 14 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 4.5 out of ten. bottom 45% of 19 in its family for room to expand. 45th percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 5.7 out of ten. top 43% of 19 in its family for growth drivers. 57th percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 8.2 out of ten. top 18% of 17 in its family for expectations against reality. 82nd percentile among 17 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-25 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-05 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-05 (on EDGAR). Newest filing: Form SCHEDULE 13G, 2026-10-08. Filings on record since 1999. Read from EDGAR 2026-10-12.
Who runs it
Masih, Ashish (President and CEO); Yung, John (President, Intl. and Cabot); Bell, Ryan B (President, MCM); Hernanz, Tomas Cruz (EVP, CFO & TREASURER); Asch, Andrew Eric (SVP, General Counsel); Gupta, Ashwini (director); Beck, Robert William (director); Angela, A. Knight (director); Goings, William C. (director); Hilzinger, Jeffrey Albert (director); and 3 more. 13 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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