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.
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.
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.