Stephens entities disclose 1.2% Encore Capital Group (ECPG) stake

Rhea-AI Filing Summary

Encore Capital Group, Inc. has a new amended ownership report from Stephens Investment Management Group, LLC and related Stephens entities and trusts. They collectively report beneficial ownership of 264,755 shares of Encore Capital common stock, representing 1.2% of the outstanding class as of 06/30/2026. The group reports 0 shares with sole voting or dispositive power and 224,402 shares with shared voting power, while 264,755 shares are subject to shared dispositive power. Various Stephens holding companies and family trusts may be deemed parent holding companies or control persons of Stephens Investment Management Group, LLC in accordance with (1)(ii)(G). The report confirms that the Stephens group holds 5 percent or less of Encore Capital’s common stock.

Key Figures

Beneficially owned shares: 264,755 shares Percent of class: 1.2 % Shared voting power: 224,402.00 shares +3 more

6 metrics

Beneficially owned shares 264,755 shares Encore Capital Group common stock beneficially owned by Stephens group as of 06/30/2026

Percent of class 1.2 % Portion of Encore Capital common stock class reported by the Stephens group

Shared voting power 224,402.00 shares Shares over which the Stephens group has shared power to vote or direct the vote

Shared dispositive power 264,755.00 shares Shares over which the Stephens group has shared power to dispose or direct disposition

Sole voting power 0.00 shares Shares with sole voting power reported by each Stephens reporting person

Sole dispositive power 0.00 shares Shares with sole dispositive power reported by each Stephens reporting person

Key Terms

beneficially owned, shared voting power, shared dispositive power, parent holding company, +1 more

5 terms

beneficially owned financial

"Amount beneficially owned: See responses in row 9 on the cover pages of this schedule."

Beneficially owned describes securities or assets where a person has the economic rights and control—such as the right to receive dividends and to direct voting—even if legal title is held in another name. Think of it like having the keys and using a car that’s registered to someone else: you get the benefits and make decisions. Investors care because beneficial ownership reveals who truly controls value and voting power, affecting corporate decisions and takeover dynamics.

shared voting power financial

"6 | Shared Voting Power 224,402.00"

Shared voting power occurs when two or more parties jointly have the right to vote or decide how a block of company shares is cast, like co-owners who must agree before moving a piece of furniture. Investors care because who controls voting rights affects board elections, major corporate decisions and takeover outcomes, and shared control can alter regulatory disclosures and the practical influence any holder has over a company’s direction and value.

shared dispositive power financial

"8 | Shared Dispositive Power 264,755.00"

parent holding company regulatory

"Reporting person may be deemed a parent holding company of Stephens Investment Management Group LLC"

control person regulatory

"Reporting person may be deemed a control person of Stephens Investment Management Group LLC"

A control person is an individual or entity that can significantly influence a company’s decisions and direction through ownership, voting power, or contractual rights—think of them as the captain who can steer the ship. Investors care because a control person’s choices affect corporate strategy, board appointments, and transactions that can raise or lower a stock’s value, and they often carry additional legal responsibilities and disclosure requirements to protect other shareholders.

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FAQ

What stake in Encore Capital Group (ECPG) does the Stephens group report?

The Stephens group reports beneficial ownership of 264,755 shares of Encore Capital Group common stock, representing 1.2% of the outstanding class as of June 30, 2026, according to the amended Schedule 13G report.

How much voting power does the Stephens group have in Encore Capital Group (ECPG)?

The Stephens group reports 0 shares with sole voting power and 224,402 shares with shared voting power. This means all voting authority they report is on a shared basis rather than solely controlled by any single reporting person.

How many Encore Capital (ECPG) shares can the Stephens group dispose of?

The Stephens group reports 0 shares with sole dispositive power and 264,755 shares with shared dispositive power. Dispositive power refers to the authority to sell or otherwise direct the disposition of the reported shares.

Is the Stephens group a major (over 5%) shareholder of Encore Capital Group (ECPG)?

No. The amended ownership report states that the Stephens group holds 1.2% of the class and explicitly indicates ownership of 5 percent or less of Encore Capital Group’s outstanding common stock.

Who are the main reporting persons in the Encore Capital (ECPG) ownership report?

Reporting persons include Stephens Investment Management Group, LLC, Stephens Investments Holdings LLC, several Warren A. Stephens-related trusts, and individuals such as Warren A. Stephens, each tied to the same 264,755 shares.

What is the relationship between Stephens Investment Management Group and the Stephens trusts in ECPG’s ownership?

Several Stephens entities and trusts state they may be parent holding companies or control persons of Stephens Investment Management Group, LLC in accordance with (1)(ii)(G), indicating indirect control over the reported Encore Capital shares.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

(Amendment No. 2)

Encore Capital Group, Inc.

(Name of Issuer)

Common Stock, $0.01 Par Value Per Share

(Title of Class of Securities)

292554102

(CUSIP Number)

06/30/2026

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

schemaVersion:

SCHEDULE 13G

CUSIP Number(s): 292554102

1

Names of Reporting Persons

Stephens Investment Management Group, LLC

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

ARKANSAS

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 224,402.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 264,755.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

264,755.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

1.2 %

12

Type of Reporting Person (See Instructions)

IA

SCHEDULE 13G

CUSIP Number(s): 292554102

1

Names of Reporting Persons

Stephens Investments Holdings LLC

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

ARKANSAS

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 224,402.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 264,755.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

264,755.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

1.2 %

12

Type of Reporting Person (See Instructions)

HC

Comment for Type of Reporting Person: Reporting person may be deemed a parent holding company of Stephens Investment Management Group LLC in accordance with Rule 13d-1(b)(1)(ii)(G).

SCHEDULE 13G

CUSIP Number(s): 292554102

1

Names of Reporting Persons

Warren A. Stephens Trust UID 9/30/87

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

ARKANSAS

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 224,402.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 264,755.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

264,755.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

1.2 %

12

Type of Reporting Person (See Instructions)

HC

Comment for Type of Reporting Person: Reporting person may be deemed a parent holding company of Stephens Investment Management Group LLC in accordance with Rule 13d-1(b)(1)(ii)(G).

SCHEDULE 13G

CUSIP Number(s): 292554102

1

Names of Reporting Persons

Warren A. Stephens

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

UNITED STATES

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 224,402.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 264,755.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

264,755.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

1.2 %

12

Type of Reporting Person (See Instructions)

HC

Comment for Type of Reporting Person: Reporting person may be deemed a control person of Stephens Investment Management Group LLC in accordance with Rule 13d-1(b)(1)(ii)(G).

SCHEDULE 13G

CUSIP Number(s): 292554102

1

Names of Reporting Persons

Warren Miles Amerine Stephens 2012 Trust UID 12/27/12

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

ARKANSAS

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 224,402.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 264,755.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

264,755.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

1.2 %

12

Type of Reporting Person (See Instructions)

HC

Comment for Type of Reporting Person: Reporting person may be deemed a parent holding company of Stephens Investment Management Group LLC in accordance with Rule 13d-1(b)(1)(ii)(G).

SCHEDULE 13G

CUSIP Number(s): 292554102

1

Names of Reporting Persons

John Calhoun Stephens 2012 Trust UID 12/27/12

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

ARKANSAS

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 224,402.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 264,755.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

264,755.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

1.2 %

12

Type of Reporting Person (See Instructions)

HC

Comment for Type of Reporting Person: Reporting person may be deemed a parent holding company of Stephens Investment Management Group LLC in accordance with Rule 13d-1(b)(1)(ii)(G).

SCHEDULE 13G

CUSIP Number(s): 292554102

1

Names of Reporting Persons

Laura Whitaker Stephens 2012 Trust UID 12/27/12

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

ARKANSAS

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 224,402.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 264,755.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

264,755.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

1.2 %

12

Type of Reporting Person (See Instructions)

HC

Comment for Type of Reporting Person: Reporting person may be deemed a parent holding company of Stephens Investment Management Group LLC in accordance with Rule 13d-1(b)(1)(ii)(G).

SCHEDULE 13G

CUSIP Number(s): 292554102

1

Names of Reporting Persons

Warren Miles Amerine Stephens

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

UNITED STATES

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 224,402.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 264,755.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

264,755.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

1.2 %

12

Type of Reporting Person (See Instructions)

HC

Comment for Type of Reporting Person: Reporting person may be deemed a control person of Stephens Investment Management Group LLC in accordance with Rule 13d-1(b)(1)(ii)(G).

SCHEDULE 13G

CUSIP Number(s): 292554102

1

Names of Reporting Persons

John Calhoun Stephens

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

UNITED STATES

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 224,402.00
7	Sole Dispositive Power 0.00
8	Shared Dispositive Power 264,755.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

264,755.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

1.2 %

12

Type of Reporting Person (See Instructions)

HC

Comment for Type of Reporting Person: Reporting person may be deemed a control person of Stephens Investment Management Group LLC in accordance with Rule 13d-1(b)(1)(ii)(G).

SCHEDULE 13G

Item 1.
(a)	Name of issuer: Encore Capital Group, Inc.
(b)	Address of issuer's principal executive offices: 350 Camino De La Reina, Suite 100, San Diego, California 92108
Item 2.
(a)	Name of person filing: See responses in row 1 on the cover pages of this schedule.
(b)	Address or principal business office or, if none, residence: 111 Center Street, Little Rock, Arkansas 72201
(c)	Citizenship: See responses in row 4 on the cover pages of this schedule.
(d)	Title of class of securities: Common Stock, $0.01 Par Value Per Share
(e)	CUSIP No.: 292554102
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.	Ownership
(a)	Amount beneficially owned: See responses in row 9 on the cover pages of this schedule.
(b)	Percent of class: See responses in row 11 on the cover pages of this schedule.
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: See resposes in row 5 on the cover pages of this schedule.
	(ii) Shared power to vote or to direct the vote: See responses in row 6 on the cover pages of this schedule.
	(iii) Sole power to dispose or to direct the disposition of: See responses in row 7 on the cover pages of this schedule.
	(iv) Shared power to dispose or to direct the disposition of: See responses in row 8 on the cover pages of this schedule.
Item 5.	Ownership of 5 Percent or Less of a Class.
	Ownership of 5 percent or less of a class
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	Not Applicable
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	If a parent holding company has filed this schedule, pursuant to Rule 13d-1(b)(ii)(G), so indicate under Item 3(g) and attach an exhibit stating the identity and the Item 3 classification of the relevant subsidiary. If a parent holding company has filed this schedule pursuant to Rule 13d-1(c) or Rule 13d-1(d), attach an exhibit stating the identification of the relevant subsidiary. Please see Exhibit B attached hereto.
Item 8.	Identification and Classification of Members of the Group.
	Not Applicable
Item 9.	Notice of Dissolution of Group.
	Not Applicable

Item 10.

Certifications:

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under § 240.14a-11.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Stephens Investment Management Group, LLC

Signature:	Allison Rhodes
Name/Title:	Allison Rhodes / General Counsel and Chief Compliance Officer
Date:	08/05/2026

Stephens Investments Holdings LLC

Signature:	Todd Ferguson
Name/Title:	Todd Ferguson / Attorney in fact for reporting person
Date:	08/05/2026

Warren A. Stephens Trust UID 9/30/87

Signature:	Todd Ferguson
Name/Title:	Todd Ferguson / Attorney in fact for reporting person
Date:	08/05/2026

Warren A. Stephens

Signature:	Todd Ferguson
Name/Title:	Todd Ferguson / Attorney in fact for reporting person
Date:	08/05/2026

Warren Miles Amerine Stephens 2012 Trust UID 12/27/12

Signature:	Todd Ferguson
Name/Title:	Todd Ferguson / Attorney in fact for reporting person
Date:	08/05/2026

John Calhoun Stephens 2012 Trust UID 12/27/12

Signature:	Todd Ferguson
Name/Title:	Todd Ferguson / Attorney in fact for reporting person
Date:	08/05/2026

Laura Whitaker Stephens 2012 Trust UID 12/27/12

Signature:	Todd Ferguson
Name/Title:	Todd Ferguson / Attorney in fact for reporting person
Date:	08/05/2026

Warren Miles Amerine Stephens

Signature:	Todd Ferguson
Name/Title:	Todd Ferguson / Attorney in fact for reporting person
Date:	08/05/2026

John Calhoun Stephens

Signature:	Todd Ferguson
Name/Title:	Todd Ferguson / Attorney in fact for reporting person
Date:	08/05/2026