Encore director granted 291 deferred stock units

Encore Capital director Ashwini Gupta received a small deferred stock unit award that increases his direct common stock holdings.

Rhea-AI Filing Summary

ENCORE CAPITAL GROUP INC (ECPG) reported that director Ashwini Gupta received an award of 291 deferred stock units of common stock on September 1, 2026 for service on the Board of Directors under a non-employee director deferred compensation plan. These units convert into common shares on a one-for-one basis after board service ends, and total directly held shares following the award are 105,927.

Insider Trade Summary

Grant/Award: 291 shares

Grant/Award 1 txn

Insider Gupta Ashwini

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock F1	291	$93.01	$27K

Holdings After Transaction: Common Stock — 105,927 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 fifth anniversary of the date the reporting person is no longer a member of the Board of Directors.

Key Figures

Deferred stock units granted: 291 units Reference value per share: $93.01 per share Shares held after transaction: 105,927 shares +2 more

5 metrics

Deferred stock units granted 291 units Grant to director Ashwini Gupta on September 1, 2026

Reference value per share $93.01 per share Valuation used for the deferred stock unit award

Shares held after transaction 105,927 shares Director Ashwini Gupta’s direct Encore Capital common stock holdings after the award

Distribution timing Within 10 business days Timing after the fifth anniversary of leaving the Board when units are distributed as shares

Service-based deferral period Five years after board departure Deferred stock units convert to shares after the fifth anniversary of no longer serving on the Board

Key Terms

deferred stock units, non-employee director deferred compensation plan, 2017 Incentive Award Plan, one-for-one basis, +1 more

5 terms

deferred stock units financial

"Grant to the reporting person, for service on the Board of Directors of Encore Capital Group, Inc., of deferred stock units"

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"

2017 Incentive Award Plan financial

"non-employee director 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"

distribution of shares financial

"The distribution of shares of common stock will occur within 10 business days"

FAQ

What insider transaction did ECPG report for director Ashwini Gupta?

Encore Capital reported that director Ashwini Gupta received a grant of 291 deferred stock units of common stock on September 1, 2026 for service on the Board of Directors under a non-employee director deferred compensation plan.

How many ECPG shares does Ashwini Gupta hold after this Form 4 transaction?

After the reported grant, Ashwini Gupta directly holds 105,927 shares of Encore Capital Group common stock, as stated in the Form 4 filing.

What are the terms of the deferred stock units granted to the ECPG director?

The 291 deferred stock units will be converted into Encore Capital common stock on a one-for-one basis upon distribution, which occurs within 10 business days following the fifth anniversary of the date the director is no longer on the Board.

What was the reference value per share for the ECPG deferred stock unit grant?

The Form 4 reports a reference value of $93.01 per share for the award of 291 deferred stock units of Encore Capital Group common stock to director Ashwini Gupta.

Was the ECPG insider transaction made under a Rule 10b5-1 trading plan?

No. The Form 4 indicates the Rule 10b5-1 checkbox is not marked, so this reported grant to director Ashwini Gupta is not affirmed as made under a Rule 10b5-1 trading plan.

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Available on EDGAR 09/02/2026 - 08:34 PM Accepted by SEC EDGAR 09/02/2026 - 08:33 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^*

Gupta Ashwini

(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)
09/01/2026

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	09/01/2026		A		291(1)	A	$93.01	105,927	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 fifth anniversary of the date the reporting person is no longer a member of the Board of Directors.

Remarks:

	/s/ Michael Chin, Attorney-in-Fact for Ashwini Gupta	09/02/2026
	** 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)