ENCORE CAPITAL GROUP, INC. (ECPG) FY2026 YTD Q2 Statement of Cash Flows
2026-01-01 to 2026-06-30
Statement of Cash Flows
2026-01-01 to 2026-06-30
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Chart details
ENCORE CAPITAL GROUP, INC. cash flow reconciliation, Jan 1, 2026 through Jun 30, 2026
Cash flows for Jan 1, 2026 through Jun 30, 2026. Cash basis: Cash, cash equivalents, and restricted cash. Beginning cash: Dec 31, 2025. 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 Dec 31, 2025
- 156,784,000 US dollars. Beginning cash: Cash, cash equivalents, and restricted cash
- Operating activities
- 52,946,000 US dollars. Net cash provided.
- Net income
- 150,242,000 US dollars
- Depreciation and amortization
- 13,970,000 US dollars
- Loss on extinguishment of debt
- 30,533,000 US dollars
- Other non-cash interest expense, net
- 5,189,000 US dollars
- Stock-based compensation expense
- 10,618,000 US dollars
- Changes in recoveries
- negative 133,855,000 US dollars
- Other, net
- 7,623,000 US dollars
- Other assets
- 8,530,000 US dollars
- Accounts payable, accrued liabilities and other liabilities
- negative 39,904,000 US dollars
- Investing activities
- negative 130,650,000 US dollars. Net cash used.
- Purchases of receivable portfolios, net of put-backs
- negative 800,301,000 US dollars
- Collections applied to receivable portfolios
- 665,017,000 US dollars
- Purchases of property and equipment
- negative 13,249,000 US dollars
- Other, net
- 17,883,000 US dollars
- Financing activities
- 106,832,000 US dollars. Net cash provided.
- Payment of loan and debt refinancing costs
- negative 38,382,000 US dollars
- Proceeds from credit facilities
- 791,079,000 US dollars
- Repayment of credit facilities
- negative 723,790,000 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 47,029,000 US dollars
- Other, net
- negative 20,182,000 US dollars
- Operating adjustment reconciliation
- 173,759,000 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
- 1,919,755,000 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
- 813,550,000 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
- negative 2,980,000 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
- 316,562,000 US dollars. Opening cash plus net sources, equal to net uses plus ending cash.
- Net cash change
- 26,148,000 US dollars. Ending cash minus beginning cash.
- Cash flow / Net income
- 0.35×. 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
- 52,946,000 US dollars. Operating cash flow used in the free cash flow calculation.
- Cash purchases of property, plant and equipment
- 13,249,000 US dollars. These cash purchases are already included in investing activities above.
- Free cash flow
- 39,697,000 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 exceeds operating cash. The diagram allocates $52.95M of net income directly to operating cash and $97.30M to the adjustment junction, where it combines with other additions to reconcile deductions. This is an accounting presentation, not a tracing of cash receipts.
- 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: 52,946,000 US dollars minus 13,249,000 US dollars equals 39,697,000 US dollars.
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