ECPG at a glance
ENCORE CAPITAL GROUP INC (ECPG, SEC CIK 1084961) filed its latest 10-K annual report on February 25, 2026, a 10-Q quarterly report on August 5, 2026, an 8-K current report on August 19, 2026 and Form 4 insider filings as recently as September 2, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), ENCORE CAPITAL GROUP INC (ECPG) reported revenue of $88.4 million (up 4.3% from FY2024) and net income of $256.8 million. Diluted EPS was $10.91.
- As of June 30, 2026, 33 institutional investment managers tracked by SignalX reported holding ENCORE CAPITAL GROUP INC (ECPG) shares worth $1.1 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Yung John on June 11, 2026 of 2,000 shares at $80.51 per share.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $88.4M
- +4.3% vs prior year
- Insiders · 90 days
- 0 buys · 0 sells
- No open-market trades
- 13F holders
- 33 funds
- $1.1B · +2 vs prior quarter
- Latest 8-K
- Aug 19, 2026
- Item 5.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model: Purchases and collects defaulted consumer receivable portfolios, primarily charged-off credit card debt in the U.S. and credit card/consumer loans in Europe
- Strategic emphasis on increased capital deployment in the U.S. with robust supply and favorable pricing driving portfolio purchases to $1.17B in 2025, up from $999M in 2024
- Decline in European portfolio purchases to $234M in 2025 from $353M in 2024 due to competitive pricing and capital deployment constraints
- Collections increased 19.9% YoY to $2.59B in 2025, supported by enhanced U.S. collections strategies and favorable foreign currency impact of $22.1M in Europe
- Net income turnaround to $257M in 2025 from a net loss of $139M in 2024, driven by strong portfolio revenue growth and improved operating margins at 35.4% vs 12.1%
Risk Factors
- CFPB regulatory risk, enforcement of the Consumer Financial Protection Act impacting debt collection practices in U.S. market
- Exposure to Brexit uncertainties affecting Cabot's UK and European portfolio servicing operations, with 30% revenue from Europe
- Dependence on third-party data providers for accurate consumer information critical for recovery on $1.2B defaulted receivables portfolio
- Competition from fintech debt recovery startups leveraging AI technology threatening MCM's market-leading position in U.S. debt collection
- Concentration risk in U.S. portfolio purchases, 65% of total assets, subject to fluctuations in consumer debt default trends
Management Discussion & Analysis
- Financing cash flows $44.9M in 2025 vs $317.8M in 2024 and $268.3M in 2023, driven by borrowings/repayments activity
- Issued $500M 6.625% senior secured notes due 2031 in 2025; repaid €100M (~$117.5M) 2028 Floating Rate Notes in 2025
- Share repurchases $89.5M for 2.1M shares in 2025; no repurchases in 2024 or 2023; $302.4M remaining authorization as of Dec 31, 2025
- Cash & equivalents $156.8M total (U.S. $45.6M, foreign $111.2M) as of Dec 31, 2025; most foreign cash indefinitely reinvested
- Management expects sufficient liquidity for next 12 months from cash flows, cash balances, credit facility access, despite timing and collection risks
AI summary of the ECPG 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Financing cash flow $106.8M vs $87.2M YoY for six months ended June 30
- Senior secured notes issued: $750.0M due 2032 and €325.0M due 2033
- Debt refinancing: €415.0M Encore 2028 Notes and $500.0M Encore 2029 Notes redeemed
- Cash and equivalents $182.9M, including $14.1M held for clients
- Share repurchases $26.7M quarterly, with $255.7M remaining authorization
Risk Factors
- No risk-factors section provided; new or changed risks cannot be determined from the supplied excerpt
- Share-repurchase liquidity risk: $26.7 million spent during the quarter, with $255.7 million remaining authorization
- Debt-financing risk: repurchases may require drawings under the Global Senior Facility
- Regulatory-compliance risk: repurchases subject to applicable regulatory requirements and Rule 10b-18
- Refinancing risk: 2032 Notes and 2033 Notes issued under indentures dated May 2026
AI summary of the ECPG 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Board expanded from 8 to 9 directors effective August 19, 2026
- Robert Beck appointed as an independent Nasdaq-qualified director
Item EX-99.1: Item EX-99.1
- Robert W. Beck appointed director effective immediately
- Board additions include Audit and Risk Committee responsibilities
Item 2.02: Results of Operations and Financial Condition
- Q2 2026 results for quarter ended June 30, 2026
- Press release issued August 5, 2026
Item EX-99.1: Item EX-99.1
- Q2 revenue rose 11% to $491.9M and net income increased 9% to $64.0M, despite refinancing costs
- Global collections reached a record $736.9M, up 13%, supporting stronger cash generation and portfolio performance
Item 8.01: Other Events
- Redemption of all 4.00% Convertible Senior Notes due 2029 scheduled for September 24, 2026
- Potential cash settlement approximately $332.5 million if holders convert all called Notes
Item 7.01: Regulation FD Disclosure
- Press release dated July 22, 2026 covering the Company’s announced Redemption
- Redemption details and investor implications provided in Exhibit 99.1
Item EX-99.1: Item EX-99.1
- $230.0M of 4.00% convertible notes called for cash redemption on September 24, 2026
- Redemption price approximately $1,001 per $1,000 principal, including accrued interest
AI summaries of ECPG 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for ECPG
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Gupta Ashwini | A | Sep 1, 2026 | 291 | $93.01 |
| Beck Robert William | A | Aug 26, 2026 | 1,462 | $100.15 |
| MONACO MICHAEL P | A | Jun 22, 2026 | 2,144 | $83.95 |
| Goings William C. | A | Jun 22, 2026 | 2,144 | $83.95 |
| Hilzinger Jeffrey Albert | A | Jun 22, 2026 | 2,144 | $83.95 |
| Gupta Ashwini | A | Jun 22, 2026 | 2,144 | $83.95 |
| Angela A. Knight | A | Jun 22, 2026 | 2,144 | $83.95 |
| Stovsky Richard P | A | Jun 22, 2026 | 2,144 | $83.95 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | - | $84.8M | $88.4M |
| Operating Income | - | $157.3M | $626.6M |
| Net Income | -$206.5M | -$139.2M | $256.8M |
| Op. Margin | - | 185.6% | 709.0% |
| Net Margin | - | -164.2% | 290.6% |
| Balance Sheet | |||
| Total Assets | $4.6B | $4.8B | $5.3B |
| Equity | - | $767.3M | $976.8M |
| ROE | - | -18.1% | 26.3% |
| Per Share | |||
| EPS | $-8.72 | $-5.83 | $10.91 |
| Cash Flow | |||
| Operating CF | - | $156.2M | $153.2M |
| CapEx | $24.8M | $29.0M | $26.3M |
Source: XBRL data in ENCORE CAPITAL GROUP INC (ECPG)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate ECPG share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 33 | $1.08B |
| Q1 2026 | 31 | $858.0M |
| Q4 2025 | 28 | $654.9M |
| Q3 2025 | 28 | $499.3M |
| Q2 2025 | 29 | $453.2M |
| Q1 2025 | 25 | $262.7M |
| Q4 2024 | 22 | $348.0M |
| Q3 2024 | 19 | $193.8M |
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Source: 13F-HR filings on SEC EDGAR (aggregated from 215 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
ECPG filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 2, 2026 | - | - | - |
| 4 | Aug 27, 2026 | - | - | - |
| 8-K | Aug 19, 2026 | - | Analysis | - |
| 10-Q | Aug 5, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Aug 5, 2026 | - | Analysis | - |
| 8-K | Jul 22, 2026 | - | Analysis | - |
| 4 | Jun 23, 2026 | - | - | - |
| 4 | Jun 23, 2026 | - | - | - |
| 4 | Jun 23, 2026 | - | - | - |
| 4 | Jun 23, 2026 | - | - | - |
| 4 | Jun 23, 2026 | - | - | - |
| 4 | Jun 23, 2026 | - | - | - |
| 4 | Jun 23, 2026 | - | - | - |
| 8-K | Jun 16, 2026 | - | Analysis | - |
| 4 | Jun 11, 2026 | - | - | - |
| 4 | Jun 11, 2026 | - | - | - |
| 4 | Jun 2, 2026 | - | - | |
| 8-K | May 29, 2026 | - | Analysis | |
| 8-K | May 26, 2026 | - | Analysis | |
| 8-K | May 14, 2026 | - | Analysis | |
| 8-K | May 12, 2026 | - | Analysis | |
| 8-K | May 6, 2026 | - | Analysis | |
| 10-Q | May 6, 2026 | Mar 31, 2026 | Analysis | |
| SC 13G | Apr 29, 2026 | - | - | |
| SC 13G | Apr 29, 2026 | - | - |
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ECPG SEC filings: frequently asked questions
Which institutions hold ECPG stock?
As of June 30, 2026, the largest ENCORE CAPITAL GROUP INC (ECPG) holders among the 13F filers tracked by SignalX were BlackRock ($343.2 million), Vanguard Portfolio Management LLC ($122.4 million), Dimensional Fund Advisors ($97.7 million), Vanguard Capital Management LLC ($85.0 million), State Street Corp ($79.9 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was ECPG's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), ENCORE CAPITAL GROUP INC (ECPG) reported revenue of $88.4 million (up 4.3% from FY2024) and net income of $256.8 million. Diluted EPS was $10.91. The figures come from the XBRL data in the 10-K.
What are the main risks in ECPG's latest 10-K?
In the 10-K filed February 25, 2026, ENCORE CAPITAL GROUP INC (ECPG) flagged: CFPB regulatory risk, enforcement of the Consumer Financial Protection Act impacting debt collection practices in U.S. market. Exposure to Brexit uncertainties affecting Cabot's UK and European portfolio servicing operations, with 30% revenue from Europe. (AI summary of the Risk Factors section.)
What did ECPG report in its latest 8-K?
ENCORE CAPITAL GROUP INC (ECPG) filed an 8-K on August 19, 2026 reporting Item 5.02 (Departure/Appointment of Directors or Principal Officers). Board expanded from 8 to 9 directors effective August 19, 2026.
What are the latest ECPG SEC filings?
ENCORE CAPITAL GROUP INC (ECPG) filed its latest 10-K annual report on February 25, 2026, a 10-Q quarterly report on August 5, 2026, an 8-K current report on August 19, 2026 and a Form 4 insider filing on September 2, 2026.
What is ECPG's SEC CIK number?
ENCORE CAPITAL GROUP INC (ECPG)'s SEC Central Index Key (CIK) is 1084961. EDGAR lists every ECPG filing under that number.
Ask anything about ECPG
The research agent reads ECPG's filings, financials, insider trades and 13F holders, then answers with sources.