Encore Capital Group Inc (ECPG) — Defensive Interval Ratio
Encore Capital Group Inc (ECPG) has a Defensive Interval Ratio of 8818 days as of June 2026. Defensive assets of $4.61 Billion (cash $-, short-term investments $-, receivables $4.61 Billion) cover 8818 days of daily cash needs of $522.77K/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Encore Capital Group Inc Defensive Interval Ratio (1998–2025)
This chart shows how Encore Capital Group Inc's Defensive Interval Ratio has evolved across 28 annual periods from 1998 to 2025. As of June 2026, the ratio stands at 8818 days, meaning defensive assets of $4.61 Billion can fund 8818 days of operations without new revenue. For the complete balance sheet picture, see ECPG asset base.
Annual Defensive Interval Ratio for Encore Capital Group Inc (1998–2025)
The table below presents the year-by-year Defensive Interval Ratio for Encore Capital Group Inc from 1998 to 2025, covering 28 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See working capital position of Encore Capital Group Inc to evaluate short-term liquidity relative to the company's equity base.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 38934 days | $34.24 Million | $879.45/day | $- | $- | ▲ +38888 days |
| 2024 | 47 days | $29.87 Million | $639.85K/day | $- | $- | ▲ +3 days |
| 2023 | 44 days | $26.39 Million | $600.65K/day | $- | $17.31 Million | ▼ -28 days |
| 2022 | 72 days | $52.90 Million | $730.43K/day | $- | $36.81 Million | ▲ +60 days |
| 2021 | 13 days | $26.15 Million | $2.04 Million/day | $- | $3.54 Million | ▲ +1 days |
| 2020 | 12 days | $27.20 Million | $2.31 Million/day | $- | $659.00K | ▼ -66 days |
| 2019 | 77 days | $47.47 Million | $613.45K/day | $- | $2.46 Million | ▼ -21 days |
| 2018 | 98 days | $77.42 Million | $788.89K/day | $- | $2.02 Million | ▲ +5 days |
| 2017 | 93 days | $72.81 Million | $780.20K/day | $- | $28.20 Million | ▲ +30 days |
| 2016 | 63 days | $40.40 Million | $642.19K/day | $- | $1.12 Million | ▼ -317 days |
| 2015 | 380 days | $306.38 Million | $806.15K/day | $- | $0.00 | ▼ -110 days |
| 2014 | 490 days | $311.20 Million | $635.53K/day | $- | $16.89 Million | ▼ -143 days |
| 2013 | 633 days | $237.89 Million | $376.09K/day | $- | $202.00K | ▲ +513 days |
| 2012 | 120 days | $139.14 Million | $1.16 Million/day | $- | $0.00 | ▲ +80 days |
| 2011 | 40 days | $3.27 Million | $81.17K/day | $- | $0.00 | ▼ -6 days |
| 2010 | 46 days | $3.33 Million | $72.71K/day | $- | $- | ▼ -4074 days |
| 2009 | 4120 days | $530.01 Million | $128.65K/day | $- | $526.88 Million | ▼ -259 days |
| 2008 | 4378 days | $463.10 Million | $105.77K/day | $- | $461.35 Million | ▼ -1589 days |
| 2007 | 5967 days | $396.35 Million | $66.42K/day | $- | $392.21 Million | ▲ +2593 days |
| 2006 | 3374 days | $302.95 Million | $89.78K/day | $- | $300.35 Million | ▲ +1238 days |
| 2005 | 2137 days | $261.85 Million | $122.55K/day | $- | $256.33 Million | ▲ +822 days |
| 2004 | 1315 days | $137.96 Million | $104.93K/day | $- | $137.96 Million | ▲ +10 days |
| 2003 | 1305 days | $90.37 Million | $69.25K/day | $- | $89.14 Million | ▲ +125 days |
| 2002 | 1180 days | $72.42 Million | $61.37K/day | $- | $64.17 Million | ▲ +880 days |
| 2001 | 301 days | $64.93 Million | $215.98K/day | $- | $47.00 Million | ▼ -57 days |
| 2000 | 358 days | $57.59 Million | $161.07K/day | $- | $25.97 Million | ▼ -2319 days |
| 1999 | 2677 days | $88.00 Million | $32.88K/day | $- | $- | ▲ +852 days |
| 1998 | 1825 days | $26.00 Million | $14.25K/day | $- | $- | — |