Encore Capital director granted 2,144 stock units

Encore Capital Group director Richard P. Stovsky received an award of 2,144 deferred stock units of common stock valued at $83.95 per unit for his service on the Board of Directors.

Rhea-AI Filing Summary

Encore Capital Group director Richard P. Stovsky received an award of 2,144 deferred stock units of common stock valued at $83.95 per unit for his service on the Board of Directors. These deferred stock units will convert into shares of common stock on a one-for-one basis when his board service ends.

After this compensation-related grant, he directly holds 29,562 shares of Encore Capital Group common stock. The shares underlying the deferred stock units will be delivered within 10 business days after he is no longer a member of the Board.

Insider Trade Summary

Grant/Award: 2,144 shares

Grant/Award 1 txn

Insider Stovsky Richard P

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	2,144	$83.95	$180K

Holdings After Transaction: Common Stock — 29,562 shares (Direct)

Footnotes (1)

1. F1. Grant to the reporting person, for service on the Board of Directors of Encore Capital Group, Inc. ("Encore"), of deferred stock units under the terms of a non-employee director deferred compensation plan established under the 2017 Incentive Award Plan. Deferred stock units will be converted into shares of Encore common stock on a one-for-one basis upon distribution. The distribution of shares of common stock will occur within 10 business days following the date the reporting person is no longer a member of the Board of Directors.

Key Figures

Deferred stock units granted: 2,144 units Grant valuation price per unit: $83.95 per unit Shares held after grant: 29,562 shares

3 metrics

Deferred stock units granted 2,144 units Grant for Board service on June 22, 2026

Grant valuation price per unit $83.95 per unit Value used for the deferred stock unit award

Shares held after grant 29,562 shares Total direct common stock holdings after the award

Key Terms

deferred stock units, non-employee director deferred compensation plan, 2017 Incentive Award Plan, one-for-one basis

4 terms

deferred stock units financial

"Grant to the reporting person ... of deferred stock units under the terms of a non-employee director deferred compensation plan"

Deferred stock units are promises from a company to give an employee shares of stock at a future date, often after certain conditions are met or after leaving the company. They function like a form of delayed compensation, allowing employees to earn shares over time. For investors, they represent potential future ownership in the company, but do not provide immediate voting rights or dividends until the shares are actually received.

non-employee director deferred compensation plan financial

"under the terms of a non-employee director deferred compensation plan established under the 2017 Incentive Award Plan"

2017 Incentive Award Plan financial

"deferred compensation plan established under the 2017 Incentive Award Plan"

one-for-one basis financial

"Deferred stock units will be converted into shares of Encore common stock on a one-for-one basis upon distribution"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did Encore Capital Group (ECPG) disclose in this Form 4 filing?

Encore Capital Group reported that director Richard P. Stovsky received 2,144 deferred stock units of common stock as board compensation. These units are not an open-market purchase but a grant that will later convert into shares when his board service ends.

How many Encore Capital (ECPG) shares does Richard P. Stovsky hold after the grant?

Following the award, Richard P. Stovsky directly holds 29,562 shares of Encore Capital Group common stock. This figure reflects his updated ownership after receiving 2,144 deferred stock units granted for his service on the Board of Directors.

At what value were Richard P. Stovsky’s deferred stock units in ECPG granted?

The 2,144 deferred stock units were valued at $83.95 per unit. This valuation is used for the compensation grant under the company’s 2017 Incentive Award Plan and does not represent an open-market purchase price or sale transaction.

When will Richard P. Stovsky receive actual ECPG shares from these deferred stock units?

The deferred stock units will convert into Encore Capital common shares on a one-for-one basis when he leaves the Board. The company will distribute the resulting common shares within 10 business days after he is no longer a director.

What plan governs the deferred stock unit grant reported for ECPG director Richard P. Stovsky?

The grant is made under a non-employee director deferred compensation plan established pursuant to Encore Capital Group’s 2017 Incentive Award Plan. This structure allows directors to receive deferred stock units that later settle in common shares after board service concludes.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 06/23/2026 - 05:51 PM Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Stovsky Richard P

(Last) (First) (Middle)

350 CAMINO DE LA REINA

SUITE 100

(Street)

SAN DIEGO CALIFORNIA 92108

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
ENCORE CAPITAL GROUP INC [ ECPG ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
06/22/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	06/22/2026		A		2,144(1)	A	$83.95	29,562	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Grant to the reporting person, for service on the Board of Directors of Encore Capital Group, Inc. ("Encore"), of deferred stock units under the terms of a non-employee director deferred compensation plan established under the 2017 Incentive Award Plan. Deferred stock units will be converted into shares of Encore common stock on a one-for-one basis upon distribution. The distribution of shares of common stock will occur within 10 business days following the date the reporting person is no longer a member of the Board of Directors.

Remarks:

	/s/ Michael Chin, Attorney-in-Fact for Richard Stovsky	06/23/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)