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Encore Capital vs Totaligent: revenue, profit, margins and growth compared

Encore Capital brought in $1.8B of revenue in fiscal 2025, Totaligent $2.2K in fiscal 2025. Revenue changed by +34.4% at Encore Capital and -99.5% at Totaligent on the year before, so Encore Capital grew faster. Encore Capital kept 14.5% of its revenue as net profit, Totaligent -26,692.4%.

Side by side, latest fiscal year

ECPGTGNT
Fiscal year endedFY2025 (December 31, 2025)FY2025 (December 31, 2025)
Revenue$1.8B$2.2K
Revenue growth+34.4%-99.5%
Net income$256.8M-$600K
Net margin14.5%-26,692.4%
Free cash flow$126.9Mn/a
Free cash flow margin7.2%n/a
Earnings per share (diluted)$10.91$0.00
Cash$156.8M$4.7K
Debt$4Bn/a
Price to earnings8.8n/a
Market value$2B$3.8M
Dividend yieldn/an/a
Rank by revenue in sector#166 of 536 · Finance#535 of 536 · Finance

Over the years

Revenue
ECPG FY2018: $1.3BECPG FY2019: $1.4BECPG FY2020: $1.5BECPG FY2021: $1.6BECPG FY2022: $1.4BECPG FY2023: $1.2BECPG FY2024: $1.3BECPG FY2025: $1.8BTGNT FY2014: $5.8MTGNT FY2015: $4.7MTGNT FY2023: $19.5KTGNT FY2023: $731.7KTGNT FY2024: $444.5KTGNT FY2025: $2.2KFY14FY15FY18FY19FY20FY21FY22FY23FY24FY25
ECPG $1.8BTGNT $2.2K
Net income
ECPG FY2018: $115.9MECPG FY2019: $167.9MECPG FY2020: $211.8MECPG FY2021: $350.8MECPG FY2022: $194.6MECPG FY2023: -$206.5MECPG FY2024: -$139.2MECPG FY2025: $256.8MTGNT FY2014: -$866.7KTGNT FY2015: -$1MTGNT FY2016: -$18.5KTGNT FY2016: -$516.2KTGNT FY2023: -$592.1KTGNT FY2023: -$402.2KTGNT FY2024: -$947.2KTGNT FY2025: -$600KFY14FY15FY16FY18FY19FY20FY21FY22FY23FY24FY25
ECPG $256.8MTGNT -$600K
Net margin
ECPG FY2018: 8.8%ECPG FY2019: 11.9%ECPG FY2020: 14.1%ECPG FY2021: 21.7%ECPG FY2022: 13.9%ECPG FY2023: -16.9%ECPG FY2024: -10.6%ECPG FY2025: 14.5%TGNT FY2014: -14.9%TGNT FY2015: -21.5%TGNT FY2023: -3,036.3%TGNT FY2023: -55.0%TGNT FY2024: -213.1%TGNT FY2025: -26,692.4%FY14FY15FY18FY19FY20FY21FY22FY23FY24FY25
ECPG 14.5%TGNT -26,692.4%
Revenue growth
ECPG FY2019: +6.5%ECPG FY2020: +6.8%ECPG FY2021: +7.5%ECPG FY2022: -13.4%ECPG FY2023: -12.6%ECPG FY2024: +7.7%ECPG FY2025: +34.4%TGNT FY2015: -18.4%TGNT FY2023: +3,652.2%TGNT FY2024: -39.2%TGNT FY2025: -99.5%FY15FY19FY20FY21FY22FY23FY24FY25
ECPG +34.4%TGNT -99.5%
Free cash flow
ECPG FY2018: $119.3MECPG FY2019: $205.1MECPG FY2020: $278.3MECPG FY2021: $269.7MECPG FY2022: $173.5MECPG FY2023: $128.2MECPG FY2024: $127.2MECPG FY2025: $126.9MTGNT FY2014: $4.7MTGNT FY2015: -$2.8MTGNT FY2023: -$199.5KTGNT FY2023: -$29.5KFY14FY15FY18FY19FY20FY21FY22FY23FY24FY25
ECPG $126.9MTGNT -$29.5K

Fiscal years as each company reports them; the two may end in different months.

Questions about Encore Capital and Totaligent

Which is bigger by revenue, Encore Capital or Totaligent?

Encore Capital is bigger by revenue: $1.8B in fiscal 2025, against $2.2K for Totaligent in fiscal 2025.

Which keeps more of its revenue as profit, Encore Capital or Totaligent?

Encore Capital had a net margin of 14.5% in fiscal 2025; Totaligent had -26,692.4% in fiscal 2025.

Which grew revenue faster, Encore Capital or Totaligent?

In their latest fiscal years revenue changed by +34.4% at Encore Capital and -99.5% at Totaligent.

Where do these numbers come from?

From the annual reports each company files with the SEC (10-K, or 20-F and 40-F for foreign companies), read from their XBRL data. Margins and growth are simple arithmetic on those figures. Nothing here is a recommendation.

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