Every 8-K that Encore Cap Group Inc (ECPG) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, so if you follow ECPG and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full ECPG filings page.
Encore Capital Group, Inc. (ECPG) reported that its Board of Directors increased its size from 8 to 9 members and appointed Robert (Rob) Beck as a director effective August 19, 2026. The Board determined that Beck qualifies as an independent director under Nasdaq listing standards and appointed him to the Audit Committee and Risk Committee. Beck, a former President and CEO of Regional Management Corporation with more than 30 years of financial services experience, will participate in Encore’s standard non-employee director compensation program. The company states there is no special arrangement related to his appointment and no related party transactions requiring disclosure.
Encore Capital Group reported solid second-quarter 2026 results, with global portfolio purchases of $443.8 million, up 21% year over year, and global collections of $736.9 million, up 13%. Total revenues were $491.9 million, an 11% increase, generating GAAP net income of $64.0 million and diluted earnings per share of $2.81, up 13%.
Results included a $30.5 million loss on extinguishment of debt tied to a $1 billion refinancing that the company expects will reduce annual interest expense by about $15 million. U.S. MCM operations delivered record portfolio purchases of $372 million and record collections of $572 million, up 17%, while European Cabot operations purchased $72 million of portfolios and collected $164 million, similar to last year.
Estimated Remaining Collections reached $10.18 billion, up 9%. Adjusted EBITDA rose to $202.6 million from $164.2 million. Encore now expects full-year 2026 collections between $2.80 billion and $2.85 billion, diluted EPS between $13.00 and $14.00, and portfolio purchasing of $1.4–$1.5 billion. The company also repurchased about $27 million of common stock in the quarter.
Encore Capital Group, Inc. plans to redeem all $230.0 million aggregate principal amount of its 4.00% Convertible Senior Notes due 2029 on September 24, 2026. The Redemption Price will be paid in cash and equals 100% of principal plus accrued and unpaid interest, or approximately $1,001 per $1,000 principal, after which interest will cease to accrue.
Holders may convert their Notes in $1,000 increments until 5:00 p.m. (New York City time) on September 22, 2026, with all conversions settled in cash. The conversion rate is 15.1763 shares per $1,000 (conversion price about $65.89), increased during the Make-Whole Conversion Period to 16.2056 shares per $1,000 (about $61.71). If all Notes called for redemption were converted at the July 21, 2026 share price, the Company would expect to pay approximately $332.5 million in cash. Related capped call transactions are expected to be unwound, and the Company notes that option counterparties’ hedging activity may decrease, or reduce the size of any increase in, the market price of its common stock.
Encore Capital Group, Inc. reported results of its 2026 annual meeting, where stockholders approved an amended and restated 2017 Incentive Award Plan and a charter amendment providing exculpation of officers as permitted by Delaware law.
The revised plan increases the shares of common stock reserved for issuance by 650,000, similarly increasing the pool available for incentive stock options, and removes the prior fungible share ratio so all awards now count one-for-one against the reserve. It also removes the fixed expiration date for the plan, subject to share availability, though incentive stock options may not be granted after April 14, 2036.
Stockholders elected eight directors, approved named executive officer compensation on an advisory basis, ratified BDO USA, P.C. as independent auditor for 2026, approved the incentive plan changes, and approved the officer exculpation amendment. They also recommended holding the advisory vote on executive compensation every year, and the board agreed to follow an annual frequency through at least the 2032 meeting.
Encore Capital Group, Inc. has entered into a major financing transaction by issuing €325.0 million aggregate principal amount of senior secured floating rate notes due 2033. These notes are senior secured obligations of the company and are fully and unconditionally guaranteed on a senior secured basis by substantially all of its material subsidiaries.
The notes bear interest at three‑month EURIBOR (with a 0% floor) plus 3.250% per annum, reset quarterly and payable in arrears each January 15, April 15, July 15, and October 15, starting July 15, 2026. They are secured, together with the company’s other senior secured indebtedness, by substantially all of the assets of Encore and the guarantor subsidiaries, and will mature on July 15, 2033 unless earlier repurchased or redeemed.
Encore Capital Group, Inc. entered into a material financing agreement by issuing $750.0 million aggregate principal amount of 6.625% senior secured notes due 2032. The notes are issued under an indenture with GLAS Trust Company LLC as trustee and Truist Bank as security agent.
The notes are senior secured obligations of Encore and are fully and unconditionally guaranteed on a senior secured basis by substantially all of its material subsidiaries. They are secured, together with other senior secured indebtedness, by substantially all assets of the company and the guarantors.
The notes bear interest at 6.625% per annum, payable semi-annually in arrears on June 1 and December 1, starting on December 1, 2026, and will mature on June 1, 2032, unless earlier repurchased or redeemed.
Encore Capital Group is restructuring its debt by issuing new secured notes and redeeming older, higher‑cost bonds. The company priced an offering of €325.0 million senior secured floating rate notes due 2033, with interest set at three‑month EURIBOR (0% floor) plus 3.250%, reset quarterly. It also previously launched and priced $750.0 million of 6.625% senior secured notes due 2032. Encore plans to use the combined proceeds, along with its revolving credit facility, to redeem all €415.0 million of senior secured floating rate notes due 2028 and its $500.0 million 9.250% senior secured notes due 2029, as well as to repay some revolving credit borrowings and pay related fees. The company states that these offerings and redemptions do not change its 2026 guidance.
Encore Capital Group, Inc. plans a major debt refinancing through a new private offering of senior secured notes. The company upsized the deal from $550.0 million to $750.0 million aggregate principal amount of 6.625% senior secured notes due 2032, sold to qualified institutional buyers and certain non‑U.S. persons under Regulation S.
Encore intends to use the proceeds, together with drawings under its revolving credit facility, to redeem its outstanding $500.0 million 9.250% senior secured notes due 2029 in full, redeem €200.0 million of its €415.0 million senior secured floating rate notes due 2028, and pay related premiums, interest, fees, expenses and initial purchasers’ discounts. The notes will be fully and unconditionally guaranteed on a senior secured basis by substantially all material subsidiaries and secured by substantially all of the assets of the company and the guarantors.
Encore Capital Group reported sharply improved first quarter 2026 results. Revenue reached $475.4 million, up 21% year over year, driven by global collections of $718.4 million, a 19% increase and a company record.
Net income rose to $86.2 million, up 84%, with diluted earnings per share of $3.86, doubling from $1.93 a year earlier. The company raised its 2026 outlook, targeting approximately $2.8 billion in full-year collections, up 8%, and earnings per share of $13.00, up 19%, while maintaining expected portfolio purchases between $1.4 billion and $1.5 billion.
Encore Capital Group, Inc. reported that director Wendy Hannam has decided not to stand for re-election at the 2026 Annual Meeting of Stockholders, though she will continue serving on the board until that meeting. The company stated her decision was not due to any disagreement with the company.
The board also approved and adopted amended and restated bylaws effective March 18, 2026. These changes enhance disclosure and procedural requirements for stockholder director nominations and other business at the annual meeting, particularly around compliance with Exchange Act Rule 14a-19, additional ownership and timing disclosures, and limits on amending prior notices. The bylaws further confirm the board’s ability to determine that business was not properly brought before a meeting and make various technical, modernizing updates, including provisions on stockholder lists, remote attendance, quorums, and board vacancies.
Encore Capital Group reported a strong turnaround in 2025, generating net income of $256.8M, or earnings per share of $10.91, compared with a loss in 2024. Revenue for the year rose 34% to $1.77B as collections increased 20% to $2.59B and estimated remaining collections grew 14%.
The company’s U.S. business, MCM, led growth with record portfolio purchases of $1.17B and record U.S. collections of $1.95B. Encore repurchased approximately 9% of its shares for $89.5M and guided 2026 earnings per share up about 10% to $12.00, with expected portfolio purchases of $1.4–$1.5B and global collections of $2.7B.
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.
Encore Capital Group, Inc. entered into a major financing transaction by issuing $500.0 million aggregate principal amount of 6.625% senior secured notes due 2031. These notes are senior secured obligations of the company, fully and unconditionally guaranteed on a senior secured basis by substantially all of its material subsidiaries and secured, along with other senior secured debt, by substantially all of their assets. The notes bear interest at 6.625% per annum, payable semi-annually on April 15 and October 15, starting April 15, 2026, and mature on April 15, 2031 unless earlier repurchased or redeemed. The company used the proceeds from this offering to repay drawings under its revolving credit facility, called the Global Senior Facility, and to cover transaction fees and expenses related to the issuance.
Encore Capital Group, Inc. disclosed that it plans to issue senior secured notes in a private offering to qualified institutional buyers and certain non‑U.S. persons. The company increased the planned Offering from $400.0 million to $500.0 million aggregate principal amount of notes due 2031, bearing interest at 6.625% per year.
The notes are being sold in a private placement and are not registered under the Securities Act, meaning they can only be resold in compliance with registration or an applicable exemption. Encore attached launch and pricing press releases as exhibits, which provide additional detail on the transaction.