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as of 03-04-2026 3:38pm EST
$73.48
+$1.62
+2.25%
Encore Capital Group Inc is an international specialty finance company. It provides debt recovery solutions for consumers and property owners across a broad range of financial assets. The company purchases portfolios of defaulted consumer receivables at deep discounts to face value and manages them by working with individuals as the consumers repay their obligations and work toward financial recovery. Encore has only a reportable segment portfolio purchasing and recovery.
| Founded: | 1998 | Country: | United States |
| Employees: | N/A | City: | SAN DIEGO |
| Market Cap: | 1.3B | IPO Year: | 1999 |
| Target Price: | $77.33 | AVG Volume (30 days): | 207.4K |
| Analyst Decision: | Strong Buy | Number of Analysts: | 3 |
| Dividend Yield: | N/A | Dividend Payout Frequency: | N/A |
| EPS: | 10.91 | EPS Growth: | 287.14 |
| 52 Week Low/High: | $26.45 - $72.55 | Next Earning Date: | N/A |
| Revenue: | $1,768,802,000 | Revenue Growth: | 34.37% |
| Revenue Growth (this year): | 3.63% | Revenue Growth (next year): | 4.47% |
| P/E Ratio: | 6.63 | Index: | N/A |
| Free Cash Flow: | 126.9M | FCF Growth: | -0.18% |
AI-Powered ECPG Daily Prediction
Machine learning model trained on 25+ technical indicators
Updated a day ago
AI Recommendation
hold
Model Accuracy: 67.31%
67.31%
Confidence
Disclaimer: This prediction is generated by an AI model and should not be considered as financial advice. Always conduct your own research and consult with financial professionals before making investment decisions.
Stock Insider Trading Activity of Encore Capital Group Inc (ECPG)
Bell Ryan B
Sell
President, MCM
ECPG Dec 10, 2025
Avg Cost/Share
$55.00
Shares
2,500
Total Value
$137,500.00
Owned After
55,410
SEC Form 4
| Insider | Ticker | Relationship | Date | Transaction | Avg Cost | Shares | Total Value | Owned After | SEC Forms |
|---|---|---|---|---|---|---|---|---|---|
| Bell Ryan B | ECPG | President, MCM | Dec 10, 2025 | Sell | $55.00 | 2,500 | $137,500.00 | 55,410 |
Earnings Transcripts
SEC 8-K filings with transcript text
2025 Q4 Q4 2025 Earnings
8-K SELL Feb 25, 2026 · 100% conf.
2025
Q4
Q4 2025 Earnings
8-K SELLFeb 25, 2026 · 100% conf.
AI Prediction SELL
1D
-9.18%
$53.74
5D
-9.72%
$53.42
20D
-11.20%
$52.54
Price: $59.17 Prob +5D: 0% AUC: 1.000
0001084961-26-000007
ecpg-202602250001084961false00010849612026-02-252026-02-25
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 February 25, 2026 Date of report (Date of earliest event reported)
ENCORE CAPITAL GROUP, INC.
(Exact name of registrant as specified in its charter) Delaware 000-26489 48-1090909
(State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.)
350 Camino de la Reina, Suite 100 San Diego, California 92108 (Address of principal executive offices)(Zip Code) (877) 345-3002 (Registrant’s telephone number, including area code) Not applicable (Former name or former address, if changed since last report.)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section 12(b) of the Act: Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, $0.01 Par Value Per ShareECPGThe Nasdaq Stock Market LLC
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02. Results of Operations and Financial Condition. On February 25, 2026, Encore Capital Group, Inc. (“Encore”) issued a press release announcing its financial results for the quarter and full fiscal year ended December 31, 2025. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated by reference herein. The information in Item 2.02 of this Current Report on Form 8-K, including the information contained in Exhibit 99.1, is being furnished to the Securities and Exchange Commission pursuant to Item 2.02, and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, and shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by a specific reference in such filing. Item 9.01. Financial Statements and Exhibits. Exhibit Number Description
99.1 Press release dated February 25, 2026
104Cover Page Interactive Data File (embedded within the Inline XBRL document)
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
ENCORE CAPITAL GROUP, INC.
Date: February 25, 2026 /s/ Tomas Hernanz
Tomas Hernanz
Executive Vice President, Chief Financial Officer and Treasurer
EXHIBIT INDEX
Exhibit NumberDescription 99.1 Press release dated February 25, 2026
104Cover Page Interactive Data File (embedded within the Inline XBRL document)
2025 Q3 Q3 2025 Earnings
8-K Nov 5, 2025
2025
Q3
Q3 2025 Earnings
8-KNov 5, 2025
0001084961-25-000114
ecpg-202511050001084961false00010849612025-11-052025-11-05
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 November 5, 2025 Date of report (Date of earliest event reported)
ENCORE CAPITAL GROUP, INC.
(Exact name of registrant as specified in its charter) Delaware 000-26489 48-1090909
(State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.)
350 Camino de la Reina, Suite 100 San Diego, California 92108 (Address of principal executive offices)(Zip Code) (877) 345-3002 (Registrant’s telephone number, including area code) Not applicable (Former name or former address, if changed since last report.)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section 12(b) of the Act: Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, $0.01 Par Value Per ShareECPGThe Nasdaq Stock Market LLC
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02. Results of Operations and Financial Condition. On November 5, 2025, Encore Capital Group, Inc. (“Encore”) issued a press release announcing its financial results for the quarter ended September 30, 2025. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated by reference herein. The information in Item 2.02 of this Current Report on Form 8-K, including the information contained in Exhibit 99.1, is being furnished to the Securities and Exchange Commission pursuant to Item 2.02, and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, and shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by a specific reference in such filing.
Item 9.01. Financial Statements and Exhibits. Exhibit Number Description
99.1 Press release dated November 5, 2025
104Cover Page Interactive Data File (embedded within the Inline XBRL document)
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
ENCORE CAPITAL GROUP, INC.
Date: November 5, 2025 /s/ Tomas Hernanz
Tomas Hernanz
Executive Vice President, Chief Financial Officer and Treasurer
EXHIBIT INDEX
Exhibit NumberDescription 99.1 Press release dated November 5, 2025
104Cover Page Interactive Data File (embedded within the Inline XBRL document)
2025 Q2 Q2 2025 Earnings
8-K Aug 6, 2025
2025
Q2
Q2 2025 Earnings
8-KAug 6, 2025
0001084961-25-000094
ecpg-202508060001084961false00010849612025-08-062025-08-06
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 August 6, 2025 Date of report (Date of earliest event reported)
ENCORE CAPITAL GROUP, INC.
(Exact name of registrant as specified in its charter) Delaware 000-26489 48-1090909
(State or other jurisdiction of incorporation) (Commission File Number) (IRS Employer Identification No.)
350 Camino de la Reina, Suite 100 San Diego, California 92108 (Address of principal executive offices)(Zip Code) (877) 345-3002 (Registrant’s telephone number, including area code) Not applicable (Former name or former address, if changed since last report.)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section 12(b) of the Act: Title of each classTrading Symbol(s)Name of each exchange on which registered Common Stock, $0.01 Par Value Per ShareECPGThe Nasdaq Stock Market LLC
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02. Results of Operations and Financial Condition. On August 6, 2025, Encore Capital Group, Inc. (“Encore”) issued a press release announcing its financial results for the quarter ended June 30, 2025. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated by reference herein. The information in Item 2.02 of this Current Report on Form 8-K, including the information contained in Exhibit 99.1, is being furnished to the Securities and Exchange Commission pursuant to Item 2.02, and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, and shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by a specific reference in such filing.
Item 9.01. Financial Statements and Exhibits. Exhibit Number Description
99.1 Press release dated August 6, 2025
104Cover Page Interactive Data File (embedded within the Inline XBRL document)
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
ENCORE CAPITAL GROUP, INC.
Date: August 6, 2025 /s/ Tomas Hernanz
Tomas Hernanz
Executive Vice President, Chief Financial Officer and Treasurer
EXHIBIT INDEX
Exhibit NumberDescription 99.1 Press release dated August 6, 2025
104Cover Page Interactive Data File (embedded within the Inline XBRL document)
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