Company / Operating Margin
Encore Capital Group, Inc. Operating Margin History
FY2016-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Operating Margin
35.4%
FY2025
5-year range
1.4% / 39.2%
FY2021-FY2025
Trend
+196.5%
vs FY2024
Sector context
#23 of 104
Financials
What the data says
Encore Capital Group, Inc.'s operating margin of 35.4% is higher than 78% of companies in the Financials sector (FY2025). Operating Margin has fluctuated over the past 10 years, ranging from 1.4% in FY2023 to 39.2% in FY2021.
Based on SEC 10-K filings.
35.4% in FY2025 with a 5-year CAGR of +4.7%. Top quartile in the Financials sector.
Improved from 1.4% to 35.4% over the past 2 years.
Financials sector context is included.
Operating Margin over time
Growth rates
- 3-Year Change
- +2.4pp
- 5-Year Change
- +4.7pp
- 10-Year Change
- -
Sector benchmark
+172.7% above sector average
Key checks
Key Insights
- In FY2025, operating margin increased 196.5% year-over-year.
- Currently 84.2pp above the Financials sector average.
- Peak operating margin was recorded in FY2021.
- Lowest operating margin in the period was in FY2023.
Company context
Key Data Points
- Altman Z-Score 0.96 (distress zone, below 1.8 threshold)
- Negative profit margin: -10.6%
Data sourced from SEC EDGAR filings. Not investment advice.
Annual data
| Year | Operating MarginValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | 35.4% | +196.5% |
| FY2024 | 11.9% | +785.2% |
| FY2023 | 1.4% | -95.9% |
| FY2022 | 33.1% | -15.7% |
| FY2021 | 39.2% | +27.8% |
| FY2020 | 30.7% | +8.4% |
| FY2019 | 28.3% | +30.6% |
| FY2018 | 21.7% | -23.4% |
| FY2017 | 28.3% | -4.2% |
| FY2016 | 29.6% | +18.3% |
As of FY2025 · SEC 10-K · Updated Jul 4, 2026