Welcome to our dedicated page for Encore Cap Group SEC filings (Ticker: ECPG), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Encore Capital Group, Inc. (ECPG) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as filed with the U.S. Securities and Exchange Commission. Encore is an international specialty finance company that focuses on debt recovery solutions and related services for consumer receivables, and its filings offer detailed insight into how this business is structured and financed.
Encore’s Form 8-K current reports frequently cover quarterly financial results, including portfolio purchases, collections, estimated remaining collections (ERC), revenues, operating expenses, net income and earnings per share. These filings often furnish the full text of earnings press releases as exhibits, allowing readers to review the same information distributed to the market in a structured regulatory format.
The company also uses Form 8-K to report material definitive agreements and direct financial obligations, such as the issuance of senior secured notes due 2031 and the related indenture. These filings describe key terms of new debt, including interest rates, maturity dates, guarantees and collateral, as well as how proceeds are used, for example to repay drawings under the Global Senior Facility and pay transaction expenses.
Other 8-K items document Regulation FD disclosures, such as slide presentations posted on Encore’s website, and other events like announcements of proposed and priced note offerings. Together with Encore’s periodic reports referenced in its forward-looking statements, these filings form the core regulatory record for ECPG.
On Stock Titan, these filings are updated as they are made available through EDGAR, and AI-powered summaries help explain the significance of each document. Users can quickly understand the main points of earnings releases, new financing arrangements and other reported events without reading every line of the underlying forms, while still having full-text access when deeper review is needed.
Ryan Bell reported proposed sales of Common stock under a Form 144. The filing lists a sale of 7,240 shares of Common stock on 03/02/2026 valued at $499,838.63 and a sale of 2,500 shares on 12/10/2025 valued at $137,500.00. The transactions are shown on a broker/agent line for Morgan Stanley Smith Barney LLC.
Ryan Bell reported a Form 144 notice for the sale of 2,500 common shares on 12/10/2025, with a reported aggregate sale price of $137,500. The filing lists Morgan Stanley Smith Barney LLC as the broker-dealer and identifies the shares as common stock.
Encore Capital Group is an international specialty finance company focused on buying defaulted consumer receivables at deep discounts in the U.S. and Europe, mainly through Midland Credit Management and Cabot Credit Management. It then works with consumers over time to recover these debts.
The company highlights advantages in data analytics, digital collections, regulatory expertise, and global scale, with operations in India and Costa Rica supporting cost efficiency. Its strategy emphasizes disciplined capital deployment, balance sheet strength, and focus on core U.S. and UK markets while expanding in Spain and France, within a heavily regulated environment and with significant litigation and compliance risks.
Encore Capital Group reported a strong turnaround in 2025, generating net income of $256.8M, or earnings per share of $10.91, compared with a loss in 2024. Revenue for the year rose 34% to $1.77B as collections increased 20% to $2.59B and estimated remaining collections grew 14%.
The company’s U.S. business, MCM, led growth with record portfolio purchases of $1.17B and record U.S. collections of $1.95B. Encore repurchased approximately 9% of its shares for $89.5M and guided 2026 earnings per share up about 10% to $12.00, with expected portfolio purchases of $1.4–$1.5B and global collections of $2.7B.
Turtle Creek Asset Management Inc. filed an amended Schedule 13G reporting beneficial ownership of 970,593 shares of Encore Capital Group common stock, representing 4.4% of the class as of the stated event date. Turtle Creek, a Canadian investment adviser, holds these shares for unit holders of mutual funds it manages.
The firm reports sole voting and dispositive power over all 970,593 shares and no shared power. It notes that no underlying mutual fund investor is known to hold more than 5% of the class. Turtle Creek certifies the position is held in the ordinary course of business and not for influencing control of Encore Capital Group.
Encore Capital Group Inc. (ECPG) received an amended Schedule 13G showing that Dimensional Fund Advisors LP, a U.S.-based investment adviser, reported beneficial ownership of 1,088,173 shares of Encore common stock as of 12/31/2025. This represents 4.9% of the outstanding common stock, placing Dimensional below the 5% threshold for large shareholders.
Dimensional reports sole voting power over 1,057,166 shares and sole dispositive power over 1,088,173 shares. The filing explains that all shares are actually owned by various funds and accounts it advises, and Dimensional disclaims beneficial ownership except for reporting purposes under Section 13(d). The firm also certifies that the shares are held in the ordinary course of business and not for the purpose of influencing control of Encore Capital.
Encore Capital Group, Inc. is the subject of an amended Schedule 13G filing reporting that Stephens Investment Management Group, LLC and related Stephens entities beneficially own 1,305,649 shares of Encore Capital common stock, representing 5.9% of the class as of the event date of 12/31/2025.
The Stephens entities report shared voting power over 1,215,939 shares and shared dispositive power over 1,305,649 shares, with no sole voting or dispositive power. Various other persons have the right to receive dividends or sale proceeds from these shares. The reporting persons certify that the securities were acquired and are held in the ordinary course of business and not for the purpose of changing or influencing control of Encore Capital.
Encore Capital Group (ECPG) reported an insider transaction by its President, MCM. On 11/06/2025, the reporting person sold 5,000 shares of common stock at $50 per share, leaving 57,910 shares beneficially owned directly. The filing notes the sale was made under a Rule 10b5-1 trading plan adopted on November 8, 2024.
Encore Capital Group (ECPG) officer John Yung reported an open‑market sale of 5,000 shares of common stock on 11/06/2025 at $50 per share. Following the transaction, he beneficially owns 57,609 shares, held directly. The filing notes the trade was made under a Rule 10b5-1 trading plan adopted on May 16, 2025. Yung serves as President, Intl. and Cabot.
Encore Capital Group (ECPG) reported stronger Q3 2025 results. Total revenues were $460.353 million, up from $367.071 million a year ago. Net income rose to $74.660 million from $30.643 million, with diluted EPS of $3.17 versus $1.26.
Debt purchasing drove performance: portfolio revenue reached $370.126 million and changes in recoveries added $63.636 million as collections outperformed forecasts, especially in the U.S. Operating income was $173.178 million, offset by interest expense of $74.242 million.
On the balance sheet, receivable portfolios, net, were $4.270 billion and total borrowings were $3.934 billion as of September 30, 2025. Year to date, operating cash flow was $136.388 million; the company invested $1.066 billion in portfolio purchases and repurchased and retired $35.329 million of common stock (951,098 shares). Subsequent to quarter-end, the company issued $500.0 million of 6.625% Senior Secured Notes due April 2031 and settled $100.0 million 2025 Convertible Notes in cash for $106.2 million, funded via its Global Senior Facility.