Encore Capital Group(US:ECPG)2025-11-05 22:00Financial Performance Highlights - Portfolio purchases increased by 23% to $346 million[6] - Collections increased by 20% to $663 million[6, 15] - Estimated Remaining Collections (ERC) increased by 10% to $9.5 billion[6] - Earnings Per Share (EPS) increased by 152% to $3.17[6] - Average Receivable Portfolios increased by 16% to $4.2 billion[6] Market and Strategy - The company is allocating more capital to U S opportunities where returns are highest[13] - MCM (U S ) portfolio purchases in Q3 2025 were $261 million, up 13% compared to Q3 2024[26] - MCM (U S ) collections in Q3 2025 were $502 million, up 25% compared to Q3 2024[26] Liquidity and Debt - The company added $550 million of liquidity and has no significant maturities until 2028[36] - Available liquidity as of September 30, 2025, was $736 million, including $491 million available from the Revolving Credit Facility, $97 million from the U S Facility, and $148 million in cash[39] Updated Guidance - The company maintains its guidance for portfolio purchases to exceed $1 35 billion[44] - The company updated its guidance for collections to +18% to $2 55 billion[44]