ENCORE CAPITAL GROUP, INC. (ECPG) FY2026 Q2 Statement of Cash Flows
2026-04-01 to 2026-06-30
Statement of Cash Flows
2026-04-01 to 2026-06-30
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Chart details
ENCORE CAPITAL GROUP, INC. cash flow reconciliation, Apr 1, 2026 through Jun 30, 2026
Cash flows for Apr 1, 2026 through Jun 30, 2026. Cash basis: Cash, cash equivalents, and restricted cash. Beginning cash: Mar 31, 2026. Ending cash: Jun 30, 2026. Beginning and ending cash are dated balances. Positive cash flows add cash; negative cash flows reduce it.
- Beginning cash on Mar 31, 2026
- 227,204,000 US dollars. Beginning cash: Cash, cash equivalents, and restricted cash
- Operating activities
- negative 29,380,000 US dollars. Net cash used.
- Net income
- 63,999,000 US dollars
- Depreciation and amortization
- 7,112,000 US dollars
- Loss on extinguishment of debt
- 30,533,000 US dollars
- Other non-cash interest expense, net
- 2,652,000 US dollars
- Stock-based compensation expense
- 6,043,000 US dollars
- Changes in recoveries
- negative 71,115,000 US dollars
- Other, net
- 2,942,000 US dollars
- Other assets
- 3,638,000 US dollars
- Accounts payable, accrued liabilities and other liabilities
- negative 75,184,000 US dollars
- Investing activities
- negative 103,243,000 US dollars. Net cash used.
- Purchases of receivable portfolios, net of put-backs
- negative 440,838,000 US dollars
- Collections applied to receivable portfolios
- 336,622,000 US dollars
- Purchases of property and equipment
- negative 8,393,000 US dollars
- Other, net
- 9,366,000 US dollars
- Financing activities
- 88,223,000 US dollars. Net cash provided.
- Payment of loan and debt refinancing costs
- negative 37,273,000 US dollars
- Proceeds from credit facilities
- 433,058,000 US dollars
- Repayment of credit facilities
- negative 419,605,000 US dollars
- Proceeds from senior secured notes
- 1,128,676,000 US dollars
- Repayment of senior secured notes
- negative 983,540,000 US dollars
- Repurchase and retirement of common stock
- negative 26,937,000 US dollars
- Other, net
- negative 6,156,000 US dollars
- Operating adjustment reconciliation
- 146,299,000 US dollars. Intermediate calculation joining the operating reconciliation branches. Its gross amount includes any portion of net income routed through this junction. It is not an additional cash source or use.
- financing gross reconciliation
- 1,561,734,000 US dollars. Gross amount at the activity's junction before offsetting its receipts and deductions. It is not an additional cash source or use.
- investing gross reconciliation
- 449,231,000 US dollars. Gross amount at the activity's junction before offsetting its receipts and deductions. It is not an additional cash source or use.
- Exchange-rate effect
- 128,000 US dollars
- Ending cash on Jun 30, 2026
- 182,932,000 US dollars. Ending cash: Cash, cash equivalents, and restricted cash
- Cash sources and uses
- 315,555,000 US dollars. Opening cash plus net sources, equal to net uses plus ending cash.
- Net cash change
- negative 44,272,000 US dollars. Ending cash minus beginning cash.
- Cash flow / Net income
- −0.46×. Operating cash flow divided by reconciliation net income for the same period. Black from 0.90× through 1.10×; green above 1.10×; red below 0.90×. Color uses the unrounded ratio.
- Operating cash flow
- negative 29,380,000 US dollars. Operating cash flow used in the free cash flow calculation.
- Cash purchases of property, plant and equipment
- 8,393,000 US dollars. These cash purchases are already included in investing activities above.
- Free cash flow
- negative 37,773,000 US dollars. A supplemental measure; finance-lease payments are excluded from this definition.
Chart connections
- Beginning cash plus operating, investing and financing cash flows plus the exchange-rate effect equals ending cash. Negative amounts reduce cash.
- Financing contributions meet at a reconciliation junction before connecting to the net cash total.
- Investing contributions meet at a reconciliation junction before connecting to the net cash total.
- Operating reconciliation adjustments are not all independent cash receipts.
- Net income or operating cash is negative. The full signed reconciliation is retained: losses remain deductions, and any negative operating-cash total enters the junction from the cash pool. No positive direct-income connection is implied.
- Each activity has one net cash bar connected to the shared cash pool. Positive activity totals enter the pool; negative activity totals leave the pool to fund that activity's net payments. The central pool does not assign a particular funding source to a particular payment.
- The intermediate calculation bars include both sides of the displayed activity breakdowns; they are not additional cash flows.
- Operating cash flow minus cash purchases of property, plant and equipment equals free cash flow: negative 29,380,000 US dollars minus 8,393,000 US dollars equals negative 37,773,000 US dollars.
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