Encore Capital Group annual debt-to-ebitda ratio
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2025
Encore Capital Group Debt-to-EBITDA Ratio Growth & History (ECPG)
Encore Capital Group's debt-to-ebitda ratio was 6.20 for fiscal 2025.
View full Encore Capital Group company overviewEncore Capital Group annual debt-to-ebitda ratio history
| Fiscal year | Period ended | Debt-to-EBITDA ratio | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | 6.20 | −13.52 | −68.54% |
| 2024 | 2024-12-31 | 19.72 | −38.62 | −66.19% |
| 2023 | 2023-12-31 | 58.34 | 52.47 | +894.85% |
| 2022 | 2022-12-31 | 5.86 | 1.35 | +30.03% |
| 2021 | 2021-12-31 | 4.51 | −1.34 | −22.93% |
| 2020 | 2020-12-31 | 5.85 | −1.55 | −20.94% |
| 2019 | 2019-12-31 | 7.40 | −0.42 | −5.33% |
| 2018 | 2018-12-31 | 7.82 | −1.64 | −17.33% |
| 2017 | 2017-12-31 | 9.46 | −0.70 | −6.86% |
| 2016 | 2016-12-31 | 10.15 | 0.82 | +8.77% |
| 2015 | 2015-12-31 | 9.33 | 1.07 | +12.93% |
| 2014 | 2014-12-31 | 8.27 | −0.47 | −5.35% |
| 2013 | 2013-12-31 | 8.73 | 4.34 | +99.03% |
| 2012 | 2012-12-31 | 4.39 | 1.27 | +40.82% |
| 2011 | 2011-12-31 | 3.12 | −0.83 | −21.12% |
| 2010 | 2010-12-31 | 3.95 | — | — |
Encore Capital Group quarterly debt-to-ebitda ratio
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| Fiscal quarter | Period ended | Debt-to-EBITDA ratio | Change | YoY change |
|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | 5.61 | −8.37 | −59.89% |
| Q1 2026 | 2026-03-31 | 5.68 | −10.45 | −64.76% |
| Q4 2025 | 2025-12-31 | 6.20 | −13.52 | −68.54% |
| Q3 2025 | 2025-09-30 | 11.24 | −22.01 | −66.19% |
| Q2 2025 | 2025-06-30 | 13.97 | −29.63 | −67.95% |
| Q1 2025 | 2025-03-31 | 16.13 | −32.83 | −67.06% |
| Q4 2024 | 2024-12-31 | 19.72 | −38.62 | −66.19% |
| Q3 2024 | 2024-09-30 | 33.26 | 21.95 | +194.18% |
| Q2 2024 | 2024-06-30 | 43.61 | 32.21 | +282.45% |
| Q1 2024 | 2024-03-31 | 48.96 | 39.11 | +396.92% |
| Q4 2023 | 2023-12-31 | 58.34 | 52.47 | +894.85% |
| Q3 2023 | 2023-09-30 | 11.30 | 7.07 | +167.27% |
| Q2 2023 | 2023-06-30 | 11.40 | 7.55 | +195.83% |
| Q1 2023 | 2023-03-31 | 9.85 | 6.09 | +162.08% |
| Q4 2022 | 2022-12-31 | 5.86 | 1.35 | +30.03% |
| Q3 2022 | 2022-09-30 | 4.23 | 0.13 | +3.24% |
| Q2 2022 | 2022-06-30 | 3.85 | −0.73 | −15.85% |
| Q1 2022 | 2022-03-31 | 3.76 | −0.75 | −16.66% |
| Q4 2021 | 2021-12-31 | 4.51 | −1.34 | −22.93% |
| Q3 2021 | 2021-09-30 | 4.10 | −1.66 | −28.78% |
| Q2 2021 | 2021-06-30 | 4.58 | −1.74 | −27.53% |
| Q1 2021 | 2021-03-31 | 4.51 | −3.52 | −43.84% |
| Q4 2020 | 2020-12-31 | 5.85 | −1.55 | −20.94% |
| Q3 2020 | 2020-09-30 | 5.75 | −1.46 | −20.20% |
| Q2 2020 | 2020-06-30 | 6.32 | −1.30 | −17.01% |
| Q1 2020 | 2020-03-31 | 8.03 | 0.14 | +1.79% |
| Q4 2019 | 2019-12-31 | 7.40 | −0.42 | −5.33% |
| Q3 2019 | 2019-09-30 | 7.21 | −1.72 | −19.23% |
| Q2 2019 | 2019-06-30 | 7.62 | −1.12 | −12.84% |
| Q1 2019 | 2019-03-31 | 7.89 | −1.63 | −17.09% |
| Q4 2018 | 2018-12-31 | 7.82 | −1.64 | −17.33% |
| Q3 2018 | 2018-09-30 | 8.93 | 0.69 | +8.37% |
| Q2 2018 | 2018-06-30 | 8.74 | −2.81 | −24.30% |
| Q1 2018 | 2018-03-31 | 9.52 | −1.21 | −11.30% |
| Q4 2017 | 2017-12-31 | 9.46 | −0.70 | −6.86% |
| Q3 2017 | 2017-09-30 | 8.24 | −2.17 | −20.89% |
| Q2 2017 | 2017-06-30 | 11.54 | 2.79 | +31.90% |
| Q1 2017 | 2017-03-31 | 10.73 | 1.63 | +17.86% |
| Q4 2016 | 2016-12-31 | 10.15 | 0.82 | +8.77% |
| Q3 2016 | 2016-09-30 | 10.41 | 0.24 | +2.40% |
| Q2 2016 | 2016-06-30 | 8.75 | 0.02 | +0.25% |
| Q1 2016 | 2016-03-31 | 9.11 | 1.47 | +19.19% |
| Q4 2015 | 2015-12-31 | 9.33 | 1.07 | +12.93% |
| Q3 2015 | 2015-09-30 | 10.17 | 1.57 | +18.25% |
| Q2 2015 | 2015-06-30 | 8.73 | −0.35 | −3.89% |
| Q1 2015 | 2015-03-31 | 7.64 | −2.99 | −28.13% |
| Q4 2014 | 2014-12-31 | 8.27 | −0.47 | −5.35% |
| Q3 2014 | 2014-09-30 | 8.60 | −1.45 | −14.44% |
| Q2 2014 | 2014-06-30 | 9.08 | 2.04 | +28.97% |
| Q1 2014 | 2014-03-31 | 10.63 | 6.72 | +171.68% |
| Q4 2013 | 2013-12-31 | 8.73 | 4.34 | +99.03% |
| Q3 2013 | 2013-09-30 | 10.05 | 6.03 | +150.15% |
| Q2 2013 | 2013-06-30 | 7.04 | 2.09 | +42.11% |
| Q1 2013 | 2013-03-31 | 3.91 | 0.90 | +30.09% |
| Q4 2012 | 2012-12-31 | 4.39 | 1.27 | +40.82% |
| Q3 2012 | 2012-09-30 | 4.02 | — | — |
| Q2 2012 | 2012-06-30 | 4.96 | — | — |
| Q1 2012 | 2012-03-31 | 3.01 | — | — |
| Q4 2011 | 2011-12-31 | 3.12 | — | — |
Encore Capital Group debt-to-ebitda ratio trends
Over the last five fiscal years, Encore Capital Group's debt-to-ebitda ratio increased from 5.85 to 6.20, a change of 0.35. The latest reported quarter, Q2 2026, shows 5.61.
About the metric
What the debt-to-EBITDA ratio means
Debt-to-EBITDA compares interest-bearing debt with operating earnings before interest, taxes, depreciation, and amortization. It is commonly used to assess leverage, but it is generally unsuitable for banks and other financial companies.
Calculation and source
How debt-to-EBITDA is calculated
TickerStat divides period-end total debt by annual EBITDA. Quarterly observations use trailing-12-month EBITDA. Periods with zero or negative EBITDA are excluded because the leverage multiple would not be meaningful. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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