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Encore Q1 2025 Earnings Report
Encore Capital Group reports strong first quarter 2025 financial performance with significant increases in portfolio purchases, collections, and earnings per share.
Key Takeaways
Encore Capital Group, Inc. reported a strong start to 2025, with consolidated financial results for the first quarter showing significant growth across key metrics. Global portfolio purchases increased by 24% to $368 million, and global collections rose by 18% to $605 million. Net income more than doubled, leading to a 103% increase in earnings per share to $1.93.
Global portfolio purchases increased 24% to $368 million, including a record $316 million in U.S. purchases.
Global collections grew 18% to $605 million, with U.S. collections reaching a record $454 million.
Earnings per share more than doubled to $1.93, up 103% from $0.95 in the prior year.
The company repurchased $10 million of its common stock in the first quarter.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Encore Capital Group is reiterating its 2025 guidance, anticipating global portfolio purchases to exceed $1.35 billion and year-over-year collections growth to be 11% to $2.4 billion.
Positive Outlook
- Global portfolio purchasing is expected to exceed $1.35 billion in 2025.
- Year-over-year collections growth is projected to be 11% to $2.4 billion.
- Continued commitment to the consumer credit ecosystem and helping consumers restore financial health.
- Strong start to the year provides confidence in achieving full-year targets.
- Ongoing favorable supply environment in the U.S. for MCM business.
Challenges Ahead
- No specific negative forward guidance was provided in the report.
- No specific negative forward guidance was provided in the report.
- No specific negative forward guidance was provided in the report.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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