Company / Return on Assets (ROA)
Encore Capital Group, Inc. Return on Assets (ROA) History
FY2016-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Return on Assets (ROA)
4.8%
FY2025
5-year range
-4.5% / 7.6%
FY2021-FY2025
Trend
+265.3%
vs FY2024
Sector context
#77 of 400
Financials
What the data says
Return on Assets (ROA) changed +265% YoY in FY2025, a notable deviation from the 9-year average annual change of +24%.
Based on SEC 10-K filings.
4.8% in FY2025 with a 5-year CAGR of +0.5%. Top quartile in the Financials sector.
Improved from -4.5% to 4.8% over the past 2 years.
Financials sector context is included.
Return on Assets (ROA) over time
Growth rates
- 3-Year Change
- +0.5pp
- 5-Year Change
- +0.5pp
- 10-Year Change
- -
Sector benchmark
Top 19% in FinancialsTop 19% of 400This company 4.8% Sector average 2.1%
▼
+128.5% above sector average
Key checks
Key Insights
- In FY2025, return on assets (roa) increased 265.3% year-over-year.
- Currently 2.7pp above the Financials sector average.
- Peak return on assets (roa) was recorded in FY2021.
- Lowest return on assets (roa) 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 | Return on Assets (ROA)Value | YoY GrowthYoY |
|---|---|---|
| FY2025 | 4.8% | +265.3% |
| FY2024 | -2.9% | +34.8% |
| FY2023 | -4.5% | -203.2% |
| FY2022 | 4.3% | -43.2% |
| FY2021 | 7.6% | +74.9% |
| FY2020 | 4.3% | +27.2% |
| FY2019 | 3.4% | +36.8% |
| FY2018 | 2.5% | +35.1% |
| FY2017 | 1.8% | -11.5% |
| FY2016 | 2.1% | +93.5% |
As of FY2025 · SEC 10-K · Updated Feb 28, 2026