Welcome to our dedicated page for Encore Cap Group SEC filings (Ticker: ECPG), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Encore Capital Group's SEC filings reveal how this debt purchaser values and collects on consumer receivables portfolios worth billions of dollars. Understanding these filings helps investors assess collection performance, portfolio acquisition strategies, and the company's financial health.
10-K and 10-Q reports contain critical disclosures for evaluating Encore's business. Key sections include estimated remaining collections on purchased portfolios, purchase price multiples paid for new acquisitions, and collection efficiency metrics. The company's accounting for purchased receivables follows specific revenue recognition standards that differ from traditional lending businesses.
Form 4 insider transactions track when executives and directors buy or sell ECPG shares. In the debt purchasing industry, insider activity can signal management's confidence in collection performance and portfolio valuations.
8-K filings disclose material events including significant portfolio acquisitions, changes to credit facilities, and regulatory developments affecting operations. These filings often precede or accompany quarterly earnings announcements.
Our AI summaries translate complex receivables accounting into plain language. Rather than parsing footnotes about impairment methodologies and collection curves, you'll see clear explanations of what the numbers mean for Encore's business. Track insider buying patterns, monitor debt covenant compliance, and understand how management views portfolio performance through accessible filing summaries.
Access Encore Capital Group's complete SEC filing history including annual reports, quarterly filings, proxy statements detailing executive compensation, and real-time Form 4 insider transaction alerts.
Encore Capital Group (ECPG)
Encore Capital Group (ECPG) officer John Yung reported an open‑market sale of 5,000 shares of common stock on 11/06/2025 at $50 per share. Following the transaction, he beneficially owns 57,609 shares, held directly. The filing notes the trade was made under a Rule 10b5-1 trading plan adopted on May 16, 2025. Yung serves as President, Intl. and Cabot.
Encore Capital Group (ECPG) reported stronger Q3 2025 results. Total revenues were $460.353 million, up from $367.071 million a year ago. Net income rose to $74.660 million from $30.643 million, with diluted EPS of $3.17 versus $1.26.
Debt purchasing drove performance: portfolio revenue reached $370.126 million and changes in recoveries added $63.636 million as collections outperformed forecasts, especially in the U.S. Operating income was $173.178 million, offset by interest expense of $74.242 million.
On the balance sheet, receivable portfolios, net, were $4.270 billion and total borrowings were $3.934 billion as of September 30, 2025. Year to date, operating cash flow was $136.388 million; the company invested $1.066 billion in portfolio purchases and repurchased and retired $35.329 million of common stock (951,098 shares). Subsequent to quarter-end, the company issued $500.0 million of 6.625% Senior Secured Notes due April 2031 and settled $100.0 million 2025 Convertible Notes in cash for $106.2 million, funded via its Global Senior Facility.
Encore Capital Group, Inc. (ECPG) furnished a Regulation FD presentation, posting a slide deck on its website on November 5, 2025. The presentation is provided as Exhibit 99.1 to an Item 7.01 Form 8-K and is incorporated by reference.
The company states the information under Item 7.01, including Exhibit 99.1, is being furnished and shall not be deemed “filed” under the Exchange Act or subject to its liabilities, nor incorporated into other filings unless expressly referenced.
Encore Capital Group, Inc. (ECPG) furnished a press release announcing its financial results for the quarter ended September 30, 2025. The company reported these results via an Item 2.02 current report, with the press release attached as Exhibit 99.1.
The information provided under Item 2.02, including Exhibit 99.1, is being furnished and is not deemed filed under Section 18 of the Exchange Act, nor incorporated by reference into other filings unless specifically stated. The report was signed by Tomas Hernanz, Executive Vice President, Chief Financial Officer and Treasurer, on November 5, 2025.
Dimensional Fund Advisors LP reports beneficial ownership of 1,270,515 shares of Encore Capital Group Inc common stock, representing 5.5% of the class. Dimensional states these shares are owned by funds it advises and disclaims beneficial ownership, noting the holdings are managed in the ordinary course of business and not for the purpose of changing control. The filing shows sole voting power over 1,238,980 shares and sole dispositive power over 1,270,515 shares, with no shared voting or dispositive power. The report is a Schedule 13G amendment signed by the Global Chief Compliance Officer on 10/09/2025.
Ashwini Gupta, a director of Encore Capital Group, received a grant of 657 deferred stock units on 09/01/2025 under the company's non-employee director deferred compensation plan. The units convert one-for-one into Encore common stock when distributed. Following the grant, the reporting person's beneficial ownership is 102,357 shares reported as direct ownership. The deferred units will be distributed as shares within ten business days following the fifth anniversary of the date the reporting person leaves the Board, meaning the award is intended as long-term, post-service compensation aligned with shareholder value.
Encore Capital Group (ECPG) received a Schedule 13G reporting that Stephens-affiliated parties collectively beneficially own 1,248,831 shares of common stock, representing 5.3% of the class. The filings show no sole voting or dispositive power and instead list shared voting power of 1,162,553 shares and shared dispositive power of 1,248,831 shares, indicating the stake is held jointly among the reporting persons.
The reporting persons named include Stephens Investment Management Group, LLC; Stephens Investments Holdings LLC; Warren A. Stephens Trust UID 9/30/87; and Warren A. Stephens. The filings include a certification that the securities were acquired and are held in the ordinary course of business and were not acquired to change or influence control of the issuer.
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