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Mar 31, 2021

Encore Q1 2021 Earnings Report

Encore delivered strong operational and financial performance.

Key Takeaways

Encore Capital Group reported a strong first quarter with increased revenues and net income. The company saw a significant rise in collections, driven by growth in both the U.S. and Europe. Portfolio purchases remained substantial, and the company continued to reduce its leverage ratio.

Collections increased 15% to $606 million compared to Q1 2020.

Revenues grew 44% to $417 million year-over-year.

GAAP Net Income was $95 million, a significant increase from the previous year.

The leverage ratio decreased to 2.1x, reflecting strong cash generation.

Total Revenue
$417M
Previous year: $289M
+44.2%
EPS
$2.97
Previous year: -$0.19
-1663.2%
Gross Profit
$240M
Previous year: $47.2M
+409.3%
Cash and Equivalents
$185M
Previous year: $188M
-1.9%
Free Cash Flow
$65.3M
Previous year: $63.3M
+3.3%
Total Assets
$4.77B
Previous year: $4.61B
+3.4%

Encore

Encore

Encore Revenue by Geographic Location