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.
Encore Capital Group, Inc. SEC filings document the reporting framework for its specialty finance and debt recovery business. Recent Form 8-K filings furnish quarterly and annual results, investor presentation materials, and operating disclosures related to portfolio purchases, collections, earnings, and activity in its U.S. and international receivables operations.
The company’s filings also cover capital structure and governance matters. Material-event reports document senior secured notes, subsidiary guarantees, collateral arrangements, indenture terms, and use of proceeds for revolving credit facility repayment. Proxy materials and governance filings address board elections, executive compensation, pay-versus-performance disclosures, stockholder voting procedures, director nomination requirements, and bylaw amendments.
Encore Capital Group, Inc. is asking stockholders to vote at a virtual annual meeting on June 12, 2026 on six main proposals, including electing eight directors, an advisory say-on-pay vote, auditor ratification, an amended 2017 incentive plan, an officer exculpation charter amendment, and say‑on‑pay frequency.
The record date is April 14, 2026, when 21,471,883 common shares were outstanding, each with one vote. The proxy highlights strong 2025 performance, including Adjusted EBITDA of $677 million, pre‑tax ROIC of 13.7%, and $90 million returned to stockholders through share repurchases, which helped drive maximum funding under the annual bonus plan and high payout levels on certain performance share units.
Encore Capital Group is soliciting proxies for its 2026 virtual annual meeting to be held on June 12, 2026. Stockholders of record on April 14, 2026 may vote on the election of eight directors, a non-binding advisory "say-on-pay" vote, ratification of BDO USA, P.C. as auditor, approval of an amended 2017 Incentive Award Plan, an amendment to the Certificate of Incorporation to provide officer exculpation, and the advisory frequency of future say-on-pay votes.
The proxy discloses Board composition and committee structure, director and executive officer biographies, governance practices including a Majority Voting Policy and stockholder nomination procedures, and a detailed Compensation Discussion and Analysis covering 2025 pay mix, Key Contributor Plan funding (177.3%), 2025 $677 million Adjusted EBITDA, 13.7% 2025 ROIC, CEO and NEO target equity and bonus opportunities, and share repurchases of $90 million returned to shareholders in 2025.
Encore Capital Group Inc ownership update: The Vanguard Group filed Amendment No. 13 to its Schedule 13G/A stating it beneficially owns 0 shares of Encore Capital Group Inc common stock, representing 0% of the class. The filing explains Vanguard completed an internal realignment on January 12, 2026, after which certain subsidiaries report holdings on a disaggregated basis. The filing is signed by Ashley Grim, Head of Global Fund Administration, dated 03/26/2026.
Encore Capital Group, Inc. reported that director Wendy Hannam has decided not to stand for re-election at the 2026 Annual Meeting of Stockholders, though she will continue serving on the board until that meeting. The company stated her decision was not due to any disagreement with the company.
The board also approved and adopted amended and restated bylaws effective March 18, 2026. These changes enhance disclosure and procedural requirements for stockholder director nominations and other business at the annual meeting, particularly around compliance with Exchange Act Rule 14a-19, additional ownership and timing disclosures, and limits on amending prior notices. The bylaws further confirm the board’s ability to determine that business was not properly brought before a meeting and make various technical, modernizing updates, including provisions on stockholder lists, remote attendance, quorums, and board vacancies.
Encore Capital Group executive John Yung reported equity compensation and related tax withholding in company stock. On March 9, 2026, he was granted several blocks of common stock and restricted stock units at $0.00 per share as part of incentive awards.
Footnotes show these include restricted stock units that vest in three equal annual installments on March 9, 2027, March 9, 2028, and March 9, 2029, plus shares issued upon vesting of performance stock units whose performance targets were achieved and additional performance stock units that vest on March 9, 2028.
To cover taxes from the vesting of stock units, 5,677 shares were withheld at $68.19 per share, a tax-withholding disposition rather than an open-market sale. After these transactions, Yung directly owns 66,570 common shares.
Encore Capital Group Inc. President, MCM Ryan B. Bell reported multiple equity awards and related tax withholding in the latest Form 4. On March 9, 2026, he acquired several blocks of Common Stock totaling 18,428 shares as stock-based compensation at $0.00 per share, including restricted and performance stock units granted under the 2017 Incentive Award Plan that vest over future years based on time and performance conditions. On the same date, 7,899 shares at $68.19 per share were withheld to cover tax liabilities tied to unit vesting, which is not an open-market sale. Following these transactions, he directly holds 58,439 shares of Encore Capital Common Stock.
Encore Capital Group senior vice president and general counsel Andrew Eric Asch reported several equity compensation transactions in company common stock. On March 9, 2026, he received three share awards of 5,682, 1,945 and 2,914 shares, including restricted stock units and performance stock units that vested after meeting performance targets.
On the same date, 4,068 shares were withheld at $68.19 per share to cover tax obligations tied to the vesting of stock units, a non-market disposition. After these transactions, he directly owned 30,692 shares of Encore Capital Group common stock.
Encore Capital Group EVP, CFO & Treasurer Tomas Cruz received new equity awards and had shares withheld for taxes. On March 9, 2026, he was granted 8,065 restricted stock units under the 2017 Incentive Award Plan, vesting in three equal annual installments on March 9, 2027, 2028, and 2029. He also acquired 4,430 performance stock units granted on March 9, 2025, for which performance conditions have been satisfied and that vest on March 9, 2028. To cover tax liabilities from vesting stock units, 4,148 shares of common stock were withheld at $68.19 per share, a non-market disposition. Following these transactions, Cruz holds 32,573 shares of Encore Capital Group common stock directly.
Encore Capital Group President and CEO Ashish Masih reported stock-based compensation transactions in common stock on March 9, 2026. He received three equity awards totaling 60,690 shares of common stock at $0.00 per share as grants or awards, including restricted stock units that vest in three equal annual installments through March 9, 2029.
The filing also shows a disposition of 25,658 shares at $68.19 per share, described as shares withheld to cover tax liabilities from the vesting of stock units, not an open-market sale. After these transactions, Masih directly owns 389,613 shares of Encore Capital Group common stock.
Encore Capital Group executive Ryan B. Bell, President of MCM, reported open-market sales of a total of 7,500 shares of Encore Capital Group common stock. The sales occurred on March 2 and March 3, 2026 at prices ranging from $66.55 to $70.20 per share, with reported weighted average prices for each trade.
The transactions were made under a Rule 10b5-1 trading plan that Bell adopted on November 26, 2025, and that plan is now completed. After these sales, Bell directly holds 47,910 shares of Encore Capital Group common stock.