Encore Capital (NASDAQ: ECPG) director gets 2,144 deferred stock units grant

Rhea-AI Filing Summary

Encore Capital Group director Ashwini Gupta received a grant of 2,144 deferred stock units linked to common stock for service on the Board of Directors. The grant is valued at a reference price of $83.95 per share and increases his direct holdings to 105,636 shares.

The deferred stock units will convert into Encore common stock on a one-for-one basis upon distribution. Distribution will occur within 10 business days following the fifth anniversary of the date Gupta is no longer a member of the Board, making this a long-term, compensation-related award rather than an open-market purchase.

Insights

Equity compensation analyst

Routine long-term equity grant to non-employee director.

Director Ashwini Gupta received 2,144 deferred stock units tied to Encore Capital Group common stock as compensation for Board service. The grant price reference is $83.95 per unit, with total direct holdings reported at 105,636 shares after the award.

This award is structured as deferred stock units under a non-employee director deferred compensation plan, converting one-for-one into common stock. Distribution occurs within 10 business days after the fifth anniversary of Gupta leaving the Board, so any impact depends on future vesting and tenure rather than immediate market transactions.

Insider Trade Summary

Net Buyer: 2,144 shares

Net Buy 1 txn

Insider Gupta Ashwini

Role Director

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

Holdings After Transaction: Common Stock — 105,636 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: 2,144 units Grant reference price: $83.95 per share Shares held after transaction: 105,636 shares +2 more

5 metrics

Deferred stock units granted 2,144 units Non-employee director grant tied to common stock

Grant reference price $83.95 per share Price per share used for the award

Shares held after transaction 105,636 shares Director’s direct holdings following the grant

Transaction code A (Grant, award, or other acquisition) Indicates equity award, not open-market trade

Distribution timing 5 years after leaving Board + 10 business days Deferred stock units distribution schedule

Key Terms

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

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

What did Encore Capital Group (ECPG) director Ashwini Gupta report on this Form 4?

Director Ashwini Gupta reported receiving 2,144 deferred stock units tied to Encore Capital Group common stock as compensation for Board service, at a reference price of $83.95 per share, bringing his direct holdings to 105,636 shares after the grant.

Is the Ashwini Gupta Form 4 transaction in ECPG stock an open-market buy or a grant?

The Form 4 reports a grant of 2,144 deferred stock units to director Ashwini Gupta, not an open-market purchase. The transaction is coded as an acquisition from a compensation award under Encore Capital Group’s 2017 Incentive Award Plan for non-employee directors.

How many Encore Capital Group (ECPG) shares does Ashwini Gupta hold after this grant?

After receiving 2,144 deferred stock units, Ashwini Gupta is reported as directly holding 105,636 shares of Encore Capital Group common stock. This figure reflects his position following the award disclosed in the Form 4 and shows his ongoing equity stake as a director.

When will Ashwini Gupta’s deferred stock units in Encore Capital Group be converted to shares?

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

What plan governs the deferred stock unit grant to Ashwini Gupta at Encore Capital Group (ECPG)?

The grant to Ashwini Gupta is made under a non-employee director deferred compensation plan established pursuant to Encore Capital Group’s 2017 Incentive Award Plan. This plan provides deferred stock units that ultimately settle in common shares after the director leaves the Board.

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Form 4 Insider Transactions: What Each Field Means →

Available on EDGAR 06/23/2026 - 05:49 PM Accepted by SEC EDGAR 06/23/2026 - 05:48 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)
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	105,636	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	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)