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Jun 30, 2022

Encore Q2 2022 Earnings Report

Encore Capital Group's Q2 2022 earnings were driven by strong U.S. collections, with an increase in future collection expectations leading to higher period revenues.

Key Takeaways

Encore Capital Group reported strong Q2 2022 earnings, driven by U.S. collections and increased future collection expectations. Global portfolio purchases increased by 21% compared to Q2 2021, with portfolio supply increasing, particularly in the U.S.

Q2 earnings were driven by strong U.S. collections.

Increase in future collections expectations in the U.S. led to higher period revenues.

Global portfolio purchases were $173M, up 21% compared to Q2 2021.

Portfolio supply is increasing, particularly in the U.S., driven by lending growth and rising delinquencies.

Total Revenue
$357M
Previous year: $428M
-16.6%
EPS
$2.29
Previous year: $3.31
-30.8%
Portfolio purchases
$173M
Previous year: $143M
+21.0%
Gross Profit
$193M
Previous year: $249M
-22.6%
Cash and Equivalents
$154M
Previous year: $199M
-22.3%
Free Cash Flow
$39.1M
Previous year: $73.3M
-46.6%
Total Assets
$4.46B
Previous year: $4.68B
-4.7%

Encore

Encore

Encore Revenue by Geographic Location