Encore Capital (ECPG) awards director Ashwini Gupta 340 deferred stock units

Rhea-AI Filing Summary

Encore Capital Group director Ashwini Gupta received a grant of 340 deferred stock units of common stock for service on the Board. The grant is valued at $78.56 per unit. These units convert one-for-one into common shares after Board service ends, and Gupta now holds 103,492 shares directly.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Gupta Ashwini

Role null

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	340	$78.56	$27K

Holdings After Transaction: Common Stock — 103,492 shares (Direct, null)

Footnotes (1)

1. [object Object]

Key Figures

Deferred stock units granted: 340 units Grant price per unit: $78.56 per unit Shares held after transaction: 103,492 shares

3 metrics

Deferred stock units granted 340 units Grant for Board service on Encore Capital’s Board

Grant price per unit $78.56 per unit Value assigned to the 340 deferred stock units

Shares held after transaction 103,492 shares Total Encore Capital common stock directly held by Gupta after grant

Key Terms

deferred stock units, non-employee director deferred compensation plan, 2017 Incentive Award Plan, distribution of shares of common stock

4 terms

deferred stock units financial

"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"

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

"of 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."

distribution of shares of common stock financial

"The distribution of shares of common stock will occur within 10 business days following the fifth anniversary"

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Form 4 Insider Transactions: What Each Field Means →

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)
06/01/2026

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	06/01/2026		A		340(1)	A	$78.56	103,492	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	06/02/2026
	** 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)

FAQ

What insider transaction did Encore Capital (ECPG) report for Ashwini Gupta?

Encore Capital reported that director Ashwini Gupta received 340 deferred stock units of common stock as a grant for Board service, priced at $78.56 per unit, increasing his directly held position to 103,492 common shares after this non-market acquisition.

Is the Ashwini Gupta Form 4 transaction for ECPG a market purchase or a grant?

The Form 4 for Ashwini Gupta shows a grant, not a market purchase. The 340 common stock units were awarded as compensation for Board service under a non-employee director deferred compensation plan, rather than acquired through open-market buying or selling activity.

How many Encore Capital shares does Ashwini Gupta hold after this Form 4 grant?

After receiving 340 deferred stock units, Ashwini Gupta is reported as holding 103,492 shares of Encore Capital common stock directly. This figure in the Form 4 reflects his total direct ownership immediately following the compensation-related acquisition disclosed in the filing.

When will Ashwini Gupta’s deferred stock units in Encore Capital convert into common shares?

The deferred stock units will convert into Encore Capital common shares on a one-for-one basis at distribution. Distribution occurs within 10 business days following the fifth anniversary of the date Gupta is no longer a member of the Board of Directors, according to the plan terms.

What plan governs Ashwini Gupta’s deferred stock unit grant at Encore Capital (ECPG)?

The grant is made under a non-employee director deferred compensation plan established pursuant to Encore Capital’s 2017 Incentive Award Plan. This plan provides for deferred stock units that later convert into common shares, aligning director compensation with long-term company equity.