Encore Capital director granted 2,144 share units

Encore Capital Group director William C. Goings received an equity award for his board service.

Rhea-AI Filing Summary

Encore Capital Group director William C. Goings received an equity award for his board service. He was granted 2,144 deferred stock units of common stock at a reference price of $83.95 per share under the company’s 2017 Incentive Award Plan, as part of a non-employee director deferred compensation program.

These deferred stock units will convert into Encore common shares on a one-for-one basis and be distributed within 10 business days after he is no longer a member of the board. Following this grant, Goings directly holds 15,144 shares of Encore common stock.

Insider Trade Summary

Grant/Award: 2,144 shares

Grant/Award 1 txn

Insider Goings William C.

Role Director

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

Holdings After Transaction: Common Stock — 15,144 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 reference price: $83.95 per share Shares owned after transaction: 15,144 shares +2 more

5 metrics

Deferred stock units granted 2,144 units Non-employee director compensation grant to William C. Goings

Grant reference price $83.95 per share Price per share used for the reported stock unit grant

Shares owned after transaction 15,144 shares Total Encore common stock directly held by Goings post-grant

Conversion ratio 1 unit : 1 share Deferred stock units convert to common stock on a one-for-one basis

Distribution timing Within 10 business days Shares distributed after Goings 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 ... 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

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

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 upon distribution"

distribution of shares financial

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

FAQ

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

What did Encore Capital Group (ECPG) disclose in William Goings’ latest Form 4?

Encore Capital Group reported an equity grant to director William C. Goings. He received 2,144 deferred stock units of common stock under the 2017 Incentive Award Plan as compensation for board service, which will later convert one-for-one into common shares.

How many Encore Capital (ECPG) stock units did William Goings receive and at what price?

William Goings was granted 2,144 deferred stock units at $83.95 per unit. The award represents a non-derivative acquisition of common stock equivalents as director compensation, using $83.95 per share as the reference price for the grant reported in the Form 4.

When will William Goings’ deferred stock units in Encore Capital (ECPG) be converted to shares?

The deferred stock units convert when William Goings leaves the board. Each unit becomes one share of Encore common stock, with distribution occurring within 10 business days after he is no longer a member of the Board of Directors.

How many Encore Capital (ECPG) shares does William Goings hold after this Form 4 transaction?

After the grant, William Goings directly holds 15,144 Encore shares. This total reflects his position following the 2,144 deferred stock unit award reported in the filing, showing his updated direct ownership stake in the company’s common stock.

What type of transaction is reported for William Goings in this Encore Capital (ECPG) Form 4?

The filing reports a grant or award acquisition, not an open-market purchase. The transaction is coded “A,” indicating deferred stock units granted under a non-employee director deferred compensation plan, rather than shares bought or sold in the market.

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

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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^*

Goings William C.

(Last) (First) (Middle)

350 CAMINO DE LA REINA, SUITE 100

(Street)

SAN DIEGO, CA 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	15,144	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 William Goings	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)