Encore director granted 2,144 ECPG deferred shares

Encore Capital Group director Michael P. Monaco received an equity award for his board service.

Rhea-AI Filing Summary

Encore Capital Group director Michael P. Monaco received an equity award for his board service. He was granted 2,144 deferred stock units of Encore common stock at $83.95 per unit under the 2017 Incentive Award Plan. These units will convert into common shares on a one-for-one basis within 10 business days after he leaves the Board of Directors. Following this grant, his reported direct holdings total 42,256 shares of common stock.

Insider Trade Summary

Grant/Award: 2,144 shares

Grant/Award 1 txn

Insider MONACO MICHAEL P

Role Director

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

Holdings After Transaction: Common Stock — 42,256 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 price per unit: $83.95 per share Holdings after grant: 42,256 shares +1 more

4 metrics

Deferred stock units granted 2,144 units Equity award for Board service

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

Holdings after grant 42,256 shares Direct common stock position following award

Conversion ratio 1:1 into common stock Deferred stock units convert to common shares

Key Terms

deferred stock units, non-employee director deferred compensation plan, 2017 Incentive Award Plan, Board of Directors

4 terms

deferred stock units financial

"Grant to the reporting person, for service on the Board of Directors..., 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

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

2017 Incentive Award Plan financial

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

Board of Directors financial

"for service on the Board of Directors of Encore Capital Group, Inc."

The Board of Directors is a group of people chosen by a company's owners to help make big decisions and oversee how the company is run. They act like a team of advisors or managers, making sure the company stays on track and meets its goals. Their choices can influence the company's success and how it grows.

FAQ

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

What did Encore Capital Group (ECPG) director Michael P. Monaco report on this Form 4?

Michael P. Monaco reported receiving 2,144 deferred stock units of Encore Capital Group common stock. The grant was for his service on the Board and is part of a non-employee director deferred compensation plan under the 2017 Incentive Award Plan.

Is the Michael P. Monaco Form 4 transaction in ECPG stock a market purchase or sale?

The Form 4 shows an equity award, not a market trade. Monaco acquired 2,144 deferred stock units as a grant for board service, coded as a grant or award acquisition, rather than buying or selling shares on the open market.

When will Michael P. Monaco receive actual ECPG shares from these deferred stock units?

The deferred stock units will convert into Encore Capital Group common shares on a one-for-one basis. Distribution of the shares will occur within 10 business days after Monaco is no longer a member of the Board of Directors.

How many Encore Capital Group (ECPG) shares does Michael P. Monaco hold after this Form 4 grant?

After the reported grant, Monaco’s direct holdings are 42,256 Encore Capital Group common shares. This total reflects his position following the 2,144 deferred stock units award disclosed in the Form 4 insider filing.

Under what plan were Michael P. Monaco’s ECPG deferred stock units granted?

The deferred stock units were granted under a non-employee director deferred compensation plan established pursuant to Encore Capital Group’s 2017 Incentive Award Plan. This plan governs equity-based compensation for directors who are not company employees.

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

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Accepted by SEC EDGAR 06/23/2026 - 05:50 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^*

MONACO MICHAEL 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	42,256	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 Michael Monaco	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)