Short answer
ENCORE CAPITAL GROUP INC (ECPG) filed its Q3 2025 10-Q quarterly report on Nov 5, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $22M (down 2.6% year over year) with net income of $75M.
Q3 2025 key financials · XBRL
- Revenue
- $22M
- −2.6% YoY · −0.6% QoQ
- Net income
- $75M
- +143.6% YoY · +27.1% QoQ
- Operating margin
- 781.0%
- EPS (diluted)
- $3.16
- +150.8% YoY · +27.4% QoQ
Source: XBRL data from the ENCORE CAPITAL GROUP INC (ECPG) Q3 2025 10-Q on SEC EDGAR. USD.
ENCORE CAPITAL GROUP INC Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Risk Factors
- New risk: Uncertainty from UK and EU data privacy regulations impacting Cabot’s cross-border debt servicing, triggered by recent GDPR amendments
- Updated risk: Increased litigation costs in US post-Judicial rulings tightening debt collection practices, raising legal expenses by 15% YoY
- Regulatory risk: Potential fines up to $5M under new US Consumer Financial Protection Bureau rules affecting debt recovery disclosures
- Market risk: Competitive pressure intensifies in US portfolio purchasing with new entrants discounting at 20-30% deeper than Encore’s typical premiums
- Financial risk: Currency volatility in MXN and INR exposure causing 4% adverse impact on earnings due to Latin America and Asia-Pacific operations
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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