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.
Encore Capital Group, Inc. (ECPG) furnished a Regulation FD presentation, posting a slide deck on its website on November 5, 2025. The presentation is provided as Exhibit 99.1 to an Item 7.01 Form 8-K and is incorporated by reference.
The company states the information under Item 7.01, including Exhibit 99.1, is being furnished and shall not be deemed “filed” under the Exchange Act or subject to its liabilities, nor incorporated into other filings unless expressly referenced.
Encore Capital Group, Inc. (ECPG) furnished a press release announcing its financial results for the quarter ended September 30, 2025. The company reported these results via an Item 2.02 current report, with the press release attached as Exhibit 99.1.
The information provided under Item 2.02, including Exhibit 99.1, is being furnished and is not deemed filed under Section 18 of the Exchange Act, nor incorporated by reference into other filings unless specifically stated. The report was signed by Tomas Hernanz, Executive Vice President, Chief Financial Officer and Treasurer, on November 5, 2025.
Dimensional Fund Advisors LP reports beneficial ownership of 1,270,515 shares of Encore Capital Group Inc common stock, representing 5.5% of the class. Dimensional states these shares are owned by funds it advises and disclaims beneficial ownership, noting the holdings are managed in the ordinary course of business and not for the purpose of changing control. The filing shows sole voting power over 1,238,980 shares and sole dispositive power over 1,270,515 shares, with no shared voting or dispositive power. The report is a Schedule 13G amendment signed by the Global Chief Compliance Officer on 10/09/2025.
Encore Capital Group, Inc. entered into a major financing transaction by issuing $500.0 million aggregate principal amount of 6.625% senior secured notes due 2031. These notes are senior secured obligations of the company, fully and unconditionally guaranteed on a senior secured basis by substantially all of its material subsidiaries and secured, along with other senior secured debt, by substantially all of their assets. The notes bear interest at 6.625% per annum, payable semi-annually on April 15 and October 15, starting April 15, 2026, and mature on April 15, 2031 unless earlier repurchased or redeemed. The company used the proceeds from this offering to repay drawings under its revolving credit facility, called the Global Senior Facility, and to cover transaction fees and expenses related to the issuance.
Encore Capital Group, Inc. disclosed that it plans to issue senior secured notes in a private offering to qualified institutional buyers and certain non‑U.S. persons. The company increased the planned Offering from
The notes are being sold in a private placement and are not registered under the Securities Act, meaning they can only be resold in compliance with registration or an applicable exemption. Encore attached launch and pricing press releases as exhibits, which provide additional detail on the transaction.
Ashwini Gupta, a director of Encore Capital Group, received a grant of 657 deferred stock units on 09/01/2025 under the company's non-employee director deferred compensation plan. The units convert one-for-one into Encore common stock when distributed. Following the grant, the reporting person's beneficial ownership is 102,357 shares reported as direct ownership. The deferred units will be distributed as shares within ten business days following the fifth anniversary of the date the reporting person leaves the Board, meaning the award is intended as long-term, post-service compensation aligned with shareholder value.
Encore Capital Group (ECPG) received a Schedule 13G reporting that Stephens-affiliated parties collectively beneficially own 1,248,831 shares of common stock, representing 5.3% of the class. The filings show no sole voting or dispositive power and instead list shared voting power of 1,162,553 shares and shared dispositive power of 1,248,831 shares, indicating the stake is held jointly among the reporting persons.
The reporting persons named include Stephens Investment Management Group, LLC; Stephens Investments Holdings LLC; Warren A. Stephens Trust UID 9/30/87; and Warren A. Stephens. The filings include a certification that the securities were acquired and are held in the ordinary course of business and were not acquired to change or influence control of the issuer.
Encore Capital Group (ECPG) posted strong Q2-25 results. Revenue climbed 24% YoY to $442 M, driven by a 27% increase in debt-purchasing income. Operating income rose 48% to $151 M, expanding the operating margin to 34.1% (vs. 28.7%). Net income reached $58.7 M, up 82%, with diluted EPS of $2.49 (+86%). For 1H-25, revenue grew 22% to $835 M and net income nearly doubled to $105.5 M, boosting diluted EPS to $4.41.
Balance sheet trends. Receivable portfolios advanced 11% to $4.19 B, reflecting $735 M of new portfolio purchases. Total assets increased to $5.19 B, while borrowings expanded by $293 M to $3.97 B; leverage (debt/equity) now approximates 4.4×. Cash fell to $172.9 M as operating cash flow dropped to $54.8 M and portfolio purchases absorbed $725 M.
Capital actions & liquidity. The company repurchased 0.71 M shares for $25.0 M under its $300 M authorization. Global Senior Facility capacity stands at $397 M; a recent upsizing extends maturity to 2029. Weighted-average borrowing costs declined ~130 bp YoY across major facilities.
Comprehensive income improved by $28.1 M in Q2 on favorable FX translation. AOCI loss narrowed to $119.5 M. Effective tax rate was 24.7%.
Key watch-points: rising interest expense (+20% YoY) and negative free cash flow; leverage remains elevated, though hedging limits rate risk and new credit lines extend runway.