Encore Capital Group Inc (ECPG) — SEC Filings
Encore Capital Group Inc (ECPG) — 28 SEC filings. Latest: 10-Q (Nov 5, 2025). Includes 12 8-K, 7 SC 13G/A, 5 10-Q.
View Encore Capital Group Inc on SEC EDGAR
Overview
Encore Capital Group Inc (ECPG) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 10-Q filed on Nov 5, 2025: Encore Capital Group Inc. (ECPG) reported a robust financial performance for the three and nine months ended September 30, 2025. For the three months, total revenues surged to $460.35 million, a significant increase from $367.07 million in the prior year, driven primarily by a 27.2% rise in total de
Sentiment Summary
Across 28 filings, the sentiment breakdown is: 1 bullish, 1 bearish, 26 neutral. The dominant filing sentiment for Encore Capital Group Inc is neutral.
Filing Type Overview
Encore Capital Group Inc (ECPG) has filed 5 10-Q, 12 8-K, 2 DEF 14A, 2 10-K, 7 SC 13G/A with the SEC between Jan 2024 to Nov 2025.
Filings by Year
Recent SEC Filings (28)
Risk Profile
Risk Assessment: Of ECPG's 23 recent filings, 0 were flagged as high-risk, 11 as medium-risk, and 12 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $1,295,250,000 |
| Net Income | $180,180,000 |
| EPS | $7.57 |
| Debt-to-Equity | 4.52 |
| Cash Position | $172,488,000 |
| Operating Margin | N/A |
| Total Assets | $5,257,943,000 |
| Total Debt | $3,933,858,000 |
Key Executives
- Ryan Bell
- Abigail P. Johnson
Industry Context
Encore Capital Group operates in the debt collection and recovery industry, purchasing portfolios of aged and distressed consumer receivables. The industry is characterized by significant competition, regulatory oversight, and sensitivity to economic conditions. Key trends include the increasing volume of unsecured consumer debt and evolving collection practices.
Top Tags
Financial Services (3) · corporate-governance (3) · 10-Q (3) · financials (3) · Encore Capital Group (3) · institutional-ownership (3) · amendment (3) · material-agreement (2) · financial-obligation (2) · sec-filing (2)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Total Revenues (Q3 2025) | $460.35M | Increased from $367.07M in Q3 2024, a 25.4% rise. |
| Net Income (Q3 2025) | $74.66M | More than doubled from $30.64M in Q3 2024, a 143.7% increase. |
| Diluted EPS (Q3 2025) | $3.17 | Increased from $1.26 in Q3 2024, a 151.6% rise. |
| Total Revenues (9M 2025) | $1.295B | Increased from $1.051B in 9M 2024, a 23.2% rise. |
| Net Income (9M 2025) | $180.18M | More than doubled from $86.06M in 9M 2024, a 109.4% increase. |
| Receivable Portfolios, Net (Sep 30, 2025) | $4.27B | Increased from $3.78B at Dec 31, 2024, a 13.0% growth. |
| Purchases of Receivable Portfolios (9M 2025) | $1.066B | Increased from $844.87M in 9M 2024, a 26.2% increase. |
| Borrowings (Sep 30, 2025) | $3.93B | Increased from $3.67B at Dec 31, 2024, a 7.1% increase. |
| Share Repurchases (9M 2025) | $35.0M | Repurchased 951,098 shares, demonstrating capital return to shareholders. |
| Interest Expense (Q3 2025) | $74.24M | Increased from $66.91M in Q3 2024, a 10.9% rise. |
| Q2 2025 Net Income | $35.4M | Decreased 32.1% from Q2 2024 |
| Q2 2025 Revenue | $310.5M | Down 7.4% from Q2 2024 |
| H1 2025 Net Income | $70.1M | Reduced 33.7% from H1 2024 |
| Net Income Decrease | 32.1% | Percentage drop from Q2 2024 to Q2 2025 |
| Revenue Decrease | 7.4% | Percentage drop from Q2 2024 to Q2 2025 |
Forward-Looking Statements
- {"claim":"Dimensional Fund Advisors LP will likely maintain a significant, but potentially fluctuating, stake in Encore Capital Group Inc.","entity":"Dimensional Fund Advisors LP","targetDate":"Next 12 months","confidence":"medium"}
- {"claim":"FMR LLC will maintain a significant stake in Encore Capital Group Inc. for the foreseeable future.","entity":"FMR LLC","targetDate":"2025-02-09","confidence":"medium"}
Related Companies
Frequently Asked Questions
What are the latest SEC filings for Encore Capital Group Inc (ECPG)?
Encore Capital Group Inc has 28 recent SEC filings from Jan 2024 to Nov 2025, including 12 8-K, 7 SC 13G/A, 5 10-Q. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of ECPG filings?
Across 28 filings, the sentiment breakdown is: 1 bullish, 1 bearish, 26 neutral. The dominant sentiment is neutral.
Where can I find Encore Capital Group Inc SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Encore Capital Group Inc (ECPG) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Encore Capital Group Inc?
Key financial highlights from Encore Capital Group Inc's most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for ECPG?
The investment thesis for ECPG includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Encore Capital Group Inc?
Key executives identified across Encore Capital Group Inc's filings include Ryan Bell, Abigail P. Johnson.
What are the main risk factors for Encore Capital Group Inc stock?
Of ECPG's 23 assessed filings, 0 were flagged high-risk, 11 medium-risk, and 12 low-risk.
What are recent predictions and forward guidance from Encore Capital Group Inc?
Recent forward-looking statements from Encore Capital Group Inc include guidance on {"claim":"Dimensional Fund Advisors LP will likely maintain a significant, but potentially fluctuating, stake in Encore and 1 other predictions.