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 director Ashwini Gupta received an equity award tied to board service. On this Form 4, Gupta reported an acquisition of 347 shares of Encore Capital Group common stock in the form of deferred stock units, valued at $68.29 per unit.
These deferred stock units were granted under Encore’s non-employee director deferred compensation plan within the 2017 Incentive Award Plan. Each unit will convert into one share of common stock upon distribution. The distribution will occur within 10 business days following the fifth anniversary of the date Gupta is no longer a member of the Board of Directors.
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.