Encore Interest Income from 2010 to 2026

ECPG Stock

USD 68.29 4.35 6.80%

Encore Capital's Interest Income is increasing over the last several years with slightly volatile swings. Interest Income is predicted to flatten to about 232.8 M. Interest Income is income earned from the investment of cash or from lending money to others, including interest from bank accounts, bonds, or other interest-bearing investments. View All Fundamentals

Interest Income

First Reported

2010-12-31

Previous Quarter

264.2 M

Current Value

232.8 M

Quarterly Volatility

26 M

Credit Downgrade

Yuan Drop

Covid

Interest Hikes

Check Encore Capital financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Encore Capital's main balance sheet or income statement drivers, such as Depreciation And Amortization of 20.4 M, Interest Expense of 302 M or Total Revenue of 1.9 B, as well as many indicators such as Price To Sales Ratio of 1.1, Dividend Yield of 0.0036 or PTB Ratio of 1.68. Encore financial statements analysis is a perfect complement when working with Encore Capital Valuation or Volatility modules.

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Check out the analysis of Encore Capital Correlation against competitors.

The Interest Income trend for Encore Capital Group offers valuable insights into the company's financial trajectory and strategic direction. By examining multi-year patterns, investors can identify whether Encore Capital is strengthening or weakening its position, and how this metric correlates with broader market conditions and industry benchmarks.

Latest Encore Capital's Interest Income Growth Pattern

Below is the plot of the Interest Income of Encore Capital Group over the last few years. It is income earned from the investment of cash or from lending money to others, including interest from bank accounts, bonds, or other interest-bearing investments. Encore Capital's Interest Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Encore Capital's overall financial position and show how it may be relating to other accounts over time.

Interest Income

10 Years Trend

Slightly volatile

Compare to Others All Fundamentals

Interest Income

Timeline

Encore Interest Income Regression Statistics

	Arithmetic Mean	213,905,649
	Geometric Mean	212,433,338
	Coefficient Of Variation	12.16
	Mean Deviation	23,456,964
	Median	229,719,000
	Standard Deviation	26,005,118
	Sample Variance	676.3T
	Range	77.6M
	R-Value	0.86
	Mean Square Error	194T
	R-Squared	0.73
	Significance	0.000012
	Slope	4,403,300
	Total Sum of Squares	10820.3T

Encore Interest Income History

	2026	232.8 M
	2025	264.2 M
	2019	229.7 M
	2018	249.3 M
	2017	202.4 M
	2016	190.1 M

Other Fundumenentals of Encore Capital Group

Net Interest Income

Encore Capital Interest Income component correlations

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Accounts Payable	Net Receivables	Total Liab	Total Current Assets	Common Stock	Long Term Debt	Short Term Investments	Short Term Debt	Property Plant Equipment	Current Deferred Revenue	Good Will	Intangible Assets	Net Tangible Assets	Total Permanent Equity	Capital Surpluse	Deferred Long Term Liab	Short Long Term Debt	Long Term Debt Total	Long Term Investments	Net Invested Capital	Net Working Capital	Capital Stock
Total Assets		0.75	0.99	0.86	0.88	0.42	0.99	0.42	0.57	0.9	0.11	0.25	0.88	-0.36	0.78	0.32	-0.1	0.75	0.52	0.87	-0.8	0.73	0.71	0.6	0.35	-0.52
Total Stockholder Equity	0.75		0.64	0.86	0.48	0.02	0.67	0.04	0.58	0.43	0.0	0.18	0.78	-0.48	0.67	0.33	0.14	0.63	0.76	0.79	-0.5	0.68	0.6	0.42	0.0	-0.4
Net Debt	0.99	0.64		0.79	0.91	0.5	1.0	0.49	0.52	0.95	0.12	0.24	0.84	-0.3	0.74	0.28	-0.14	0.72	0.46	0.84	-0.81	0.71	0.72	0.63	0.42	-0.51
Retained Earnings	0.86	0.86	0.79		0.54	0.39	0.8	0.41	0.38	0.61	0.21	-0.09	0.84	-0.24	0.55	0.1	0.33	0.75	0.72	0.79	-0.6	0.82	0.77	0.6	0.37	-0.74
Accounts Payable	0.88	0.48	0.91	0.54		0.28	0.91	0.3	0.58	0.89	0.03	0.52	0.65	-0.41	0.86	0.49	-0.53	0.53	0.16	0.74	-0.81	0.44	0.41	0.35	0.15	-0.2
Net Receivables	0.42	0.02	0.5	0.39	0.28		0.45	0.84	-0.14	0.6	0.19	-0.47	0.34	0.27	-0.14	-0.46	0.4	0.37	0.31	0.24	-0.24	0.54	0.69	0.77	0.92	-0.7
Total Liab	0.99	0.67	1.0	0.8	0.91	0.45		0.43	0.54	0.94	0.12	0.27	0.85	-0.33	0.78	0.32	-0.16	0.73	0.47	0.85	-0.82	0.7	0.7	0.59	0.38	-0.5
Total Current Assets	0.42	0.04	0.49	0.41	0.3	0.84	0.43		-0.1	0.56	0.13	-0.36	0.34	0.27	-0.06	-0.35	0.34	0.36	0.23	0.2	-0.22	0.54	0.58	0.78	0.73	-0.63
Common Stock	0.57	0.58	0.52	0.38	0.58	-0.14	0.54	-0.1		0.47	-0.49	0.64	0.56	-0.84	0.64	0.57	-0.34	0.39	0.2	0.42	-0.44	0.21	0.15	0.16	-0.26	0.21
Long Term Debt	0.9	0.43	0.95	0.61	0.89	0.6	0.94	0.56	0.47		0.07	0.27	0.76	-0.23	0.62	0.24	-0.21	0.66	0.32	0.71	-0.78	0.63	0.68	0.66	0.49	-0.44
Short Term Investments	0.11	0.0	0.12	0.21	0.03	0.19	0.12	0.13	-0.49	0.07		-0.38	0.02	0.47	0.02	-0.06	0.18	0.14	0.03	0.26	-0.03	0.32	0.26	0.02	0.22	-0.45
Short Term Debt	0.25	0.18	0.24	-0.09	0.52	-0.47	0.27	-0.36	0.64	0.27	-0.38		0.27	-0.48	0.66	0.86	-0.76	0.07	-0.19	0.22	-0.38	-0.11	-0.24	-0.19	-0.64	0.63
Property Plant Equipment	0.88	0.78	0.84	0.84	0.65	0.34	0.85	0.34	0.56	0.76	0.02	0.27		-0.25	0.64	0.31	0.13	0.75	0.69	0.79	-0.71	0.77	0.75	0.69	0.22	-0.46
Current Deferred Revenue	-0.36	-0.48	-0.3	-0.24	-0.41	0.27	-0.33	0.27	-0.84	-0.23	0.47	-0.48	-0.25		-0.52	-0.41	0.41	-0.17	-0.01	-0.25	0.23	0.02	0.08	0.15	0.29	-0.2
Good Will	0.78	0.67	0.74	0.55	0.86	-0.14	0.78	-0.06	0.64	0.62	0.02	0.66	0.64	-0.52		0.68	-0.56	0.47	0.22	0.76	-0.66	0.32	0.21	0.1	-0.22	-0.01
Intangible Assets	0.32	0.33	0.28	0.1	0.49	-0.46	0.32	-0.35	0.57	0.24	-0.06	0.86	0.31	-0.41	0.68		-0.56	0.32	-0.1	0.31	-0.42	0.13	-0.07	-0.15	-0.6	0.46
Net Tangible Assets	-0.1	0.14	-0.14	0.33	-0.53	0.4	-0.16	0.34	-0.34	-0.21	0.18	-0.76	0.13	0.41	-0.56	-0.56		0.2	0.53	-0.09	0.23	0.44	0.49	0.46	0.47	-0.59
Total Permanent Equity	0.75	0.63	0.72	0.75	0.53	0.37	0.73	0.36	0.39	0.66	0.14	0.07	0.75	-0.17	0.47	0.32	0.2		0.58	0.54	-0.64	0.72	0.7	0.56	0.32	-0.52
Capital Surpluse	0.52	0.76	0.46	0.72	0.16	0.31	0.47	0.23	0.2	0.32	0.03	-0.19	0.69	-0.01	0.22	-0.1	0.53	0.58		0.59	-0.27	0.72	0.75	0.64	0.29	-0.59
Deferred Long Term Liab	0.87	0.79	0.84	0.79	0.74	0.24	0.85	0.2	0.42	0.71	0.26	0.22	0.79	-0.25	0.76	0.31	-0.09	0.54	0.59		-0.7	0.72	0.69	0.51	0.21	-0.46
Short Long Term Debt	-0.8	-0.5	-0.81	-0.6	-0.81	-0.24	-0.82	-0.22	-0.44	-0.78	-0.03	-0.38	-0.71	0.23	-0.66	-0.42	0.23	-0.64	-0.27	-0.7		-0.56	-0.55	-0.43	-0.18	0.3
Long Term Debt Total	0.73	0.68	0.71	0.82	0.44	0.54	0.7	0.54	0.21	0.63	0.32	-0.11	0.77	0.02	0.32	0.13	0.44	0.72	0.72	0.72	-0.56		0.95	0.82	0.47	-0.7
Long Term Investments	0.71	0.6	0.72	0.77	0.41	0.69	0.7	0.58	0.15	0.68	0.26	-0.24	0.75	0.08	0.21	-0.07	0.49	0.7	0.75	0.69	-0.55	0.95		0.89	0.66	-0.75
Net Invested Capital	0.6	0.42	0.63	0.6	0.35	0.77	0.59	0.78	0.16	0.66	0.02	-0.19	0.69	0.15	0.1	-0.15	0.46	0.56	0.64	0.51	-0.43	0.82	0.89		0.66	-0.59
Net Working Capital	0.35	0.0	0.42	0.37	0.15	0.92	0.38	0.73	-0.26	0.49	0.22	-0.64	0.22	0.29	-0.22	-0.6	0.47	0.32	0.29	0.21	-0.18	0.47	0.66	0.66		-0.75
Capital Stock	-0.52	-0.4	-0.51	-0.74	-0.2	-0.7	-0.5	-0.63	0.21	-0.44	-0.45	0.63	-0.46	-0.2	-0.01	0.46	-0.59	-0.52	-0.59	-0.46	0.3	-0.7	-0.75	-0.59	-0.75

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About Encore Capital Financial Statements

Encore Capital stakeholders use historical fundamental indicators, such as Encore Capital's Interest Income, to determine how well the company is positioned to perform in the future. Although Encore Capital investors may analyze each financial statement separately, they are all interrelated. For example, changes in Encore Capital's assets and liabilities are reflected in the revenues and expenses on Encore Capital's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Encore Capital Group. Please read more on our technical analysis and fundamental analysis pages.

	Last Reported	Projected for Next Year
Interest Income	264.2 M	232.8 M
Net Interest Income	-290.4 M	-304.9 M

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When determining whether Encore Capital Group is a strong investment it is important to analyze Encore Capital's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Encore Capital's future performance. For an informed investment choice regarding Encore Stock, refer to the following important reports:

How To Invest In Encore

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Is Encore Stock a good investment?

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What is Encore Capital's Net Worth?

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Largest Consumer Finance Companies

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Check out the analysis of Encore Capital Correlation against competitors.

You can also try the Correlation Analysis module to reduce portfolio risk simply by holding instruments which are not perfectly correlated.

Can Consumer Finance industry sustain growth momentum? Does Encore have expansion opportunities? Factors like these will boost the valuation of Encore Capital. Projected growth potential of Encore fundamentally drives upward valuation adjustments. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating Encore Capital demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.

Quarterly Earnings Growth

1.516

Earnings Share

(1.80)

Revenue Per Share

76.13

Quarterly Revenue Growth

0.783

Return On Assets

0.1037

The market value of Encore Capital Group is measured differently than its book value, which is the value of Encore that is recorded on the company's balance sheet. Investors also form their own opinion of Encore Capital's value that differs from its market value or its book value, called intrinsic value, which is Encore Capital's true underlying value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. Because Encore Capital's market value can be influenced by many factors that don't directly affect Encore Capital's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

It's important to distinguish between Encore Capital's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Encore Capital should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Meanwhile, Encore Capital's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.

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Encore Interest Income from 2010 to 2026

Latest Encore Capital's Interest Income Growth Pattern

Encore Interest Income Regression Statistics

Encore Interest Income History

Other Fundumenentals of Encore Capital Group

Encore Capital Interest Income component correlations

About Encore Capital Financial Statements

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