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. 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 $400.0 million to $500.0 million aggregate principal amount of notes due 2031, bearing interest at 6.625% per year.
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.
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 $400.0 million to $500.0 million aggregate principal amount of notes due 2031, bearing interest at 6.625% per year.
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.