Encore director awarded 1,462 deferred stock units

ENCORE CAPITAL GROUP INC (ECPG) reported that director Robert William Beck received an equity-based board compensation award.

Rhea-AI Filing Summary

ENCORE CAPITAL GROUP INC (ECPG) reported that director Robert William Beck received an equity-based board compensation award. On 2026-08-26, he acquired 1,462 deferred stock units of common stock, valued at $100.15 per unit. These units will convert into an equal number of Encore common shares upon distribution after he is no longer on the Board, at which point the shares will be delivered within 10 business days. Following this grant, he directly holds 1,462 shares-equivalent tied to this award.

Insider Trade Summary

Grant/Award: 1,462 shares

Grant/Award 1 txn

Insider Beck Robert William

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock F1	1,462	$100.15	$146K

Holdings After Transaction: Common Stock — 1,462 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: 1,462 units Grant price per unit: $100.15 per share Holdings after transaction: 1,462 shares-equivalent +2 more

5 metrics

Deferred stock units granted 1,462 units Grant to director on 2026-08-26 for Board service

Grant price per unit $100.15 per share Reported transaction price per share for the 1,462-unit award

Holdings after transaction 1,462 shares-equivalent Total direct holdings reported following the grant

Conversion ratio 1 deferred stock unit for 1 share Deferred stock units convert into common stock on a one-for-one basis upon distribution

Distribution timing Within 10 business days Shares distributed after the reporting person is no longer 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

"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 transaction did director Robert William Beck report in ECPG Form 4?

He reported an award of 1,462 deferred stock units of ENCORE CAPITAL GROUP INC common stock on 2026-08-26, granted as compensation for service on the Board of Directors under a non-employee director deferred compensation plan.

What is the value per unit of Robert Beck’s ECPG deferred stock unit grant?

The grant to Robert Beck is reported at $100.15 per deferred stock unit of ENCORE CAPITAL GROUP INC common stock, based on the transaction price per share disclosed for the 1,462-unit award.

How many ECPG shares does Robert Beck hold after this Form 4 transaction?

After the reported transaction, Robert Beck holds 1,462 shares-equivalent of ENCORE CAPITAL GROUP INC common stock directly, corresponding to the 1,462 deferred stock units reported as acquired in the filing.

When will Robert Beck’s ECPG deferred stock units be converted into common shares?

The deferred stock units will convert into ENCORE CAPITAL GROUP INC common shares on a one-for-one basis upon distribution, which will occur within 10 business days after he is no longer a member of the Board of Directors.

Is Robert Beck’s ECPG Form 4 transaction under a Rule 10b5-1 trading plan?

No. The Form 4 indicates that the Rule 10b5-1 checkbox is not affirmed, and the transaction is described as a grant or award of deferred stock units for board service, rather than a trade under a pre-arranged trading plan.

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Available on EDGAR 08/27/2026 - 06:17 PM Accepted by SEC EDGAR 08/27/2026 - 06:16 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^*

Beck Robert William

(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)
08/26/2026

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	08/26/2026		A		1,462(1)	A	$100.15	1,462	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 Robert W. Beck	08/27/2026
	** 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)