{"filings":[{"id":1065282,"accession_number":"0001084961-26-000050","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2026-06-16T00:40:32+00:00","items":["5.02","5.03","5.07","9.01"],"status":"ready","headline":"Encore shareholders approve 650K-share increase in incentive plan and officer exculpation charter amendment","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Shareholders approved A&R 2017 Incentive Award Plan, increasing share reserve by 650,000 shares.","Certificate of incorporation amended to provide officer exculpation under Delaware law.","All eight director nominees elected; say-on-pay approved; BDO USA, P.C. ratified as auditor.","Non-binding vote on say-on-pay frequency: every year; board to hold annual vote until 2032.","A&R Plan removes fixed expiration, eliminates fungible share ratio, updates consultant definition."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":748357,"accession_number":"0001084961-26-000048","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2026-05-29T20:51:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Encore Capital Group issues €325M senior secured floating rate notes due 2033","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued €325M aggregate principal amount of senior secured floating rate notes due July 15, 2033.","Interest rate: three-month EURIBOR (0% floor) + 3.250% per annum, reset quarterly.","Interest payable quarterly on Jan 15, Apr 15, Jul 15, Oct 15, starting Jul 15, 2026.","Notes are senior secured obligations, guaranteed by substantially all material subsidiaries.","Obligations secured by substantially all assets of the Company and guarantors."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":648524,"accession_number":"0001084961-26-000046","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2026-05-22T23:05:13+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Encore Capital issues $750M of 6.625% senior secured notes due 2032","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $750M aggregate principal of 6.625% senior secured notes maturing June 1, 2032.","Interest payable semi-annually on June 1 and Dec 1, beginning Dec 1, 2026.","Notes are senior secured obligations; guaranteed by substantially all material subsidiaries.","Secured by substantially all assets of Encore and the guarantors."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":76962,"accession_number":"0001084961-26-000044","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2026-05-13T23:17:37+00:00","items":["8.01","9.01"],"status":"ready","headline":"Encore Capital upsizes €325M floating rate note offering, also launches $750M notes to refinance debt","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Priced €325M senior secured floating rate notes due 2033 at 3-month EURIBOR + 3.250%, upsized from €300M.","Proceeds to redeem €215M of €415M outstanding 2028 notes and repay revolver.","Concurrent $750M 6.625% senior secured notes due 2032 to redeem $500M 9.250% 2029 notes and €200M of 2028 notes.","After both offerings, all €415M 2028 notes fully redeemed; FY 2026 guidance unchanged."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":21765,"accession_number":"0001084961-26-000041","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2026-05-11T23:26:05+00:00","items":["8.01","9.01"],"status":"ready","headline":"Encore Capital prices $750M senior secured notes at 6.625%, upsized from $550M","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Offered $750M aggregate principal of 6.625% senior secured notes due June 1, 2032, upsized from $550M.","Proceeds will redeem in full $500M of 9.250% senior secured notes due 2029 and €200M of floating rate notes due 2028.","Notes are senior secured obligations guaranteed by material subsidiaries and secured by substantially all assets.","Offering does not change FY 2026 guidance provided on May 6, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":91183,"accession_number":"0001084961-26-000038","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2026-05-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Encore Capital Q1 EPS $3.86, record collections $718M; raises FY26 guidance","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["EPS of $3.86 (up 100% YoY from $1.93); revenue $475M (+21%).","Global collections record $718M (+19% YoY); MCM U.S. collections record $556M (+23%).","Portfolio purchases $363M, including $316M in U.S. (one of strongest quarters ever).","Raises FY26 collections guidance to ~$2.8B (+8% YoY); EPS guidance raised to $13.00 (+19%).","Repurchased $20M of common stock in Q1."],"consensus_eps_estimate":3.0524,"consensus_eps_actual":3.86,"consensus_revenue_estimate":null,"consensus_revenue_actual":475411000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":101136,"accession_number":"0001084961-26-000023","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2026-03-20T23:59:59+00:00","items":["5.02","5.03","9.01"],"status":"ready","headline":"Director Wendy Hannam not seeking re-election; Board approves amended bylaws","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Wendy Hannam not standing for re-election as director at 2026 Annual Meeting; continues serving until then.","Decision not due to any disagreement with the company (no conflict).","Board adopted amended and restated bylaws effective March 18, 2026, enhancing stockholder nomination disclosure requirements.","Amendments align proxy rules with SEC Rule 14a-19 and allow Board to disregard non-compliant nominations.","Bylaws include technical updates on stockholder lists, remote meetings, quorums, and board vacancies."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":101135,"accession_number":"0001084961-26-000007","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2026-02-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Encore Capital posts record 2025 results: EPS $10.91, net income $257M; guides 2026 EPS to $4.93-$5.02","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Full-year 2025 net income $256.8M ($10.91 EPS) swung from net loss of $139.2M ($(5.83) EPS) in 2024","Global collections up 20% to $2.59B; U.S. (MCM) record collections $1.95B (+24%) and record portfolio purchases $1.17B (+18%)","Global portfolio purchases in 2025 up 4% to $1.41B; Europe Cabot collections up 9% to $641M","2026 guidance: global collections ~$2.7B (+5%), portfolio purchases $1.4-$1.5B, EPS expected $4.93-$5.02 (formal outlook) and CEO expects EPS to increase 10% to ~$12.00","Repurchased ~9% of shares outstanding for $89.5M in 2025"],"consensus_eps_estimate":2.1395,"consensus_eps_actual":10.91,"consensus_revenue_estimate":null,"consensus_revenue_actual":1768802000.0,"consensus_period":"2025-FY","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":117484,"accession_number":"0001084961-25-000115","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2025-11-05T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Encore Capital Group posts Q3 2025 investor presentation without specific financial data in filing excerpt","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Presentation dated Nov 5, 2025, intended for Q3 2025 earnings call.","Only legal disclaimers and title slides provided in the exhibit excerpt; no financial figures available.","Presentation available on company website; full earnings details not summarized in the 8-K filing."],"consensus_eps_estimate":1.8809,"consensus_eps_actual":7.57,"consensus_revenue_estimate":null,"consensus_revenue_actual":1295250000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl+finnhub","sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":117483,"accession_number":"0001084961-25-000114","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2025-11-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"EPS $3.17 (+152% YoY); record collections $663M; raises FY2025 guidance to ~$2.55B","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["EPS $3.17 (up 152% from $1.26); net income $74.7M (up 144% YoY).","Global collections record $663M (+20% YoY); U.S. MCM collections record $502M (+25%).","Portfolio purchases $346M (+23% YoY), with $261M in U.S. and $85M in Europe.","FY2025 global collections guidance raised to ~$2.55B (18% growth); purchase guidance unchanged.","~$60M share repurchases YTD; board authorized $300M addition to repurchase program."],"consensus_eps_estimate":1.8809,"consensus_eps_actual":7.57,"consensus_revenue_estimate":null,"consensus_revenue_actual":1295250000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":117482,"accession_number":"0001084961-25-000107","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2025-10-02T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Encore Capital Group issues $500M 6.625% senior secured notes due 2031","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $500M aggregate principal of 6.625% senior secured notes maturing April 15, 2031.","Interest payable semi-annually on April 15 and October 15, beginning April 15, 2026.","Proceeds used to repay drawings under revolving credit facility (Global Senior Facility) and pay transaction fees.","Notes are fully guaranteed on a senior secured basis by substantially all material subsidiaries.","Secured by substantially all assets of the company and guarantors; GLAS Trust as trustee, Truist Bank as security agent."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":133894,"accession_number":"0001084961-25-000104","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2025-09-25T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Encore Capital prices $500M 6.625% senior secured notes due 2031, upsized from $400M","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Principal amount upsized to $500M from $400M; notes priced at 100% of par.","Interest rate 6.625% per annum, payable semi-annually on April 15 and October 15.","Proceeds to repay drawings under Global Senior Facility and pay transaction fees.","Notes are senior secured obligations, guaranteed by material subsidiaries.","Maturity April 15, 2031, subject to earlier repurchase or redemption."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":133893,"accession_number":"0001084961-25-000096","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2025-08-06T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Encore Capital Group posts Q2 2025 investor presentation; specific results not in filing text","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Slide presentation for Q2 2025 furnished under Item 7.01 and posted on company website.","No financial figures or guidance changes are extractable from the truncated exhibit provided.","Presentation is furnished, not filed, and not incorporated by reference into other SEC filings."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":133892,"accession_number":"0001084961-25-000094","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2025-08-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Encore Capital Group Q2 2025 EPS $2.49 (+86% YoY); raises FY collections guidance to ~$2.5B","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["EPS $2.49 vs $1.34 YoY (+86%); net income $58.7M (+82%).","Global collections record $655M (+20%); portfolio purchases $367M (+32%) including record US $317M.","Raised FY 2025 collections guidance to ~$2.5B (+15.5% YoY) from prior 11% growth to $2.4B.","ERC record $9.4B (+12%); repurchased $15M of stock in Q2."],"consensus_eps_estimate":1.4464,"consensus_eps_actual":4.41,"consensus_revenue_estimate":null,"consensus_revenue_actual":834897000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150633,"accession_number":"0001084961-25-000063","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2025-06-10T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Encore Capital Group reports annual meeting voting results; all director nominees elected","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Nine directors elected with votes ranging from 19.06M to 19.72M for each; broker non-votes 937,589.","Non-binding say-on-pay approved: 19.17M for, 489,661 against, 117,565 abstain.","Ratification of BDO USA as auditor for FY2025: 20.46M for, 255,340 against, 1,599 abstain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150632,"accession_number":"0001084961-25-000058","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2025-05-23T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Encore Capital upsizes global credit facility by $190M to $1.485B, extends maturity to 2029","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Total commitments increased from $1.295B to $1.485B, an additional $190M.","Tranche A termination extended to Sep 2029 (from Sep 2028); a $69.5M tranche retains Sep 2028 maturity.","Citizens Bank resigns as Syndication Agent; BofA Securities also becomes an Arranger under the facility."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150631,"accession_number":"0001084961-25-000054","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2025-05-07T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Encore Capital files Q1 2025 slide presentation; financial details not visible in excerpt","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Slide presentation dated May 7, 2025 furnished under Item 7.01; no specific results shown in provided text.","Excerpt contains only title slide and legal disclaimers; actual financial figures and guidance unavailable.","This is a routine Regulation FD disclosure; no material new data can be extracted from the limited exhibit text."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":150630,"accession_number":"0001084961-25-000053","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2025-05-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Encore Capital Q1 EPS $1.93 (+103% YoY); 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excerpt lacks specific figures","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Slide presentation filed under Item 7.01 on Feb. 26, 2025, for Q4 2024 earnings call.","Presentation includes forward-looking statements and legal disclaimers.","No financial data or operating metrics available from the provided excerpt.","Ticker ECPG; presentation likely discusses collections, portfolio purchases, and guidance."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":169586,"accession_number":"0001084961-25-000008","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2025-02-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Encore Capital reports $139M net loss for 2024; record portfolio purchases $1.35B, up 26%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net loss $139M ($5.83/sh) for 2024; Q4 net loss $225M ($9.42/sh) on $101M Cabot goodwill impairment and ERC adjustments.","Full-year collections $2.16B (+16% YoY); portfolio purchases record $1.35B (+26% YoY) with U.S. purchases $999M.","Cabot restructuring included exit from Spanish and Italian NPL markets; expects future performance aligned with rebased ERC.","2025 guidance: portfolio purchases exceed $1.35B, collections up 11% to $2.4B, plan to resume share repurchases."],"consensus_eps_estimate":null,"consensus_eps_actual":-5.83,"consensus_revenue_estimate":null,"consensus_revenue_actual":1316361000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":186643,"accession_number":"0001084961-24-000099","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2024-11-06T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Encore Capital Group posts Q3 2024 investor presentation on website","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Slide presentation for Q3 2024 results furnished as Exhibit 99.1.","No specific financial data disclosed within the excerpted filing text.","Presentation available on company website; no additional details provided.","No material new information beyond the fact of the posting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":186642,"accession_number":"0001084961-24-000098","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2024-11-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Encore Capital Q3 GAAP EPS $1.26, up 59% YoY; raises 2024 purchase guidance >$1.25B","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP EPS $1.26 (up 59% YoY); net income $30.6M, revenue $367.1M (+19% YoY).","Global portfolio purchases $282.5M (+23%); U.S. MCM purchases $230M (+28%).","Collections $550.3M (+18%); FY 2024 guidance raised: purchases >$1.25B, collections ~$2.125B.","Exited secured NPL market in Spain; pre-tax loss of $8M ($0.27 per share).","U.S. market favorable (highest charge-off rate in 10+ yrs); disciplined approach in Europe."],"consensus_eps_estimate":null,"consensus_eps_actual":3.54,"consensus_revenue_estimate":null,"consensus_revenue_actual":1050742000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":186641,"accession_number":"0001084961-24-000090","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2024-10-23T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Encore Capital upsizes revolver by $92M to $1.295B, extends maturity, lowers rate","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Facility increased from $1,203M to $1,295M; termination date extended to September 2028.","Interest margin reduced by 0.25% from 2.50% to 2.25%.","$22.5M tranche retains September 2027 termination; covenants aligned with recent senior secured notes.","Truist Bank acts as Agent and Security Agent under the amended facility."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":203213,"accession_number":"0001084961-24-000084","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2024-08-07T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Encore Capital Group posts Q2 2024 investor presentation on website","summary_kind":"llm","event_type":"other","confidence":"medium","bullets":["Encore Capital furnished a slide presentation dated August 7, 2024 under Item 7.01.","The presentation was posted on the company's website and is Exhibit 99.1 to the 8-K.","The presentation covers Encore Capital's second quarter 2024 performance and outlook.","CFO Jonathan C. Clark signed the report on behalf of the registrant.","No material financial disclosures were made beyond the furnished slides."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":203212,"accession_number":"0001084961-24-000082","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2024-08-07T23:59:59+00:00","items":["2.02","5.02","7.01","9.01"],"status":"ready","headline":"Encore Capital Q2 GAAP EPS $1.34 (+24% YoY); raises FY guidance; CFO to retire","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP EPS $1.34, revenue $355M (+10% YoY), collections $547M (+15% YoY).","Record US portfolio purchases $237M; global purchases $279M in Q2 2024.","FY 2024 guidance raised: global purchases >$1,150M, collections ~$2,075M (+11% YoY).","CFO Jonathan Clark to retire Mar 31, 2025; Tomas Hernanz (Cabot CFO) to succeed.","CEO cites favorable US market conditions; YoY collections growth driven by strong purchasing."],"consensus_eps_estimate":null,"consensus_eps_actual":2.28,"consensus_revenue_estimate":null,"consensus_revenue_actual":683671000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":219532,"accession_number":"0001084961-24-000057","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2024-06-10T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Encore Capital shareholders elect all nine directors, approve say-on-pay, ratify BDO as auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All nine director nominees elected; Michael P. Monaco received 20,193,117 for and 58,855 withheld.","Non-binding say-on-pay vote passed: 19,838,295 for, 369,847 against, 43,830 abstain.","Ratification of BDO USA as independent auditor for FY 2024 approved: 21,053,910 for, 273,684 against.","1,077,965 broker non-votes recorded on director elections and say-on-pay proposals."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":219531,"accession_number":"0001084961-24-000052","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2024-05-21T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Encore Capital issues $500M 8.500% senior secured notes due 2030","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["$500M aggregate principal, 8.500% interest, semi-annual payments, maturing May 15, 2030.","Proceeds used to repay revolving credit facility, pay transaction fees, and for general corporate purposes.","Intends to redeem €350M senior secured notes due 2025 on/about Oct 15, 2024 via borrowings or other financing.","Notes are senior secured, guaranteed by substantially all material subsidiaries, secured by substantially all assets."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":219530,"accession_number":"0001084961-24-000050","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2024-05-14T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Encore Capital prices $500M 8.500% senior secured notes due 2030, upsized from $400M","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Offering upsized from $400M to $500M; notes priced at par with 8.500% coupon, due May 15, 2030.","Interest payable semi-annually on May 15 and Nov 15, beginning Nov 15, 2024.","Proceeds to repay drawings under Global Senior Facility, pay fees, and for general corporate purposes.","Company intends to redeem its €350M senior secured notes due 2025 on/about Oct 15, 2024, using other financing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":219529,"accession_number":"0001084961-24-000047","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2024-05-08T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Encore Capital Group posts Q1 2024 investor presentation; details not available in excerpt","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Furnished slide presentation for first quarter 2024 on May 8, 2024 under Item 7.01.","Presentation is attached as Exhibit 99.1 but full financial data not included in provided text.","Investors should refer to the actual slides on company's website or subsequent filings."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":219528,"accession_number":"0001084961-24-000045","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2024-05-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Encore Capital Q1 GAAP EPS $0.95; portfolio purchases $296M, record $237M in U.S.","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $23.2M ($0.95 EPS) vs $18.6M ($0.75 EPS) in Q1 2023, up 27% YoY.","Global collections of $511M, up 10% YoY; revenue of $328M, up 5% YoY.","Portfolio purchases of $296M, including record $237M in U.S.; Europe constrained at $59M.","CEO cites highly favorable U.S. purchasing conditions and expects 2024 to be a turning point.","Reaffirms 2024 guidance: portfolio purchases to exceed 2023 total and collections to grow ~8% to over $2B."],"consensus_eps_estimate":null,"consensus_eps_actual":0.95,"consensus_revenue_estimate":null,"consensus_revenue_actual":328386000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":239357,"accession_number":"0001084961-24-000025","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2024-03-21T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Encore Capital issues $500M of 9.25% senior secured notes due 2029","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $500M aggregate principal of 9.25% senior secured notes due April 1, 2029.","Proceeds used to repay drawings under Global Senior Facility and pay transaction fees.","Plans to redeem £300M senior secured notes due 2026 using Global Senior Facility or other financing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":239356,"accession_number":"0001084961-24-000023","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2024-03-15T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Encore Capital upsizes senior secured notes to $500M at 9.250% due 2029","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["$500M 9.250% senior secured notes due 2029 priced; upsized from $400M.","Proceeds to repay drawings under revolving credit facility; redeem £300M 2026 notes.","Notes are senior secured, guaranteed by material subs, secured by substantially all assets.","Interest payable Apr 1 & Oct 1, starting Oct 1, 2024; maturity Apr 1, 2029."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":239355,"accession_number":"0001084961-24-000007","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2024-02-21T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Encore Capital posts Q4 2023 investor slides; details unavailable from filing excerpt","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Company posted a Q4 2023 investor presentation on its website on February 21, 2024.","The presentation is furnished as Exhibit 99.1; no specific financial figures are included in the filing text.","The filing is under Regulation FD and is not deemed filed for SEC purposes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":239354,"accession_number":"0001084961-24-000006","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2024-02-21T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Encore Capital reports FY2023 net loss of $206.5M, driven by $238.2M goodwill impairment","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Full-year 2023 GAAP net loss $206.5M ($8.72 loss per share) vs net income $194.6M ($7.46 EPS) in 2022.","Revenue $1,222.7M, down 13% YoY; collections $1,862.6M, down 3%.","Portfolio purchases increased 34% to $1.074B, with a record $815M in the U.S.","Goodwill impairment of $238.2M ($10.06/share) drove net loss; no liquidity impact.","Management expects portfolio purchases and collections to grow in 2024; Q1 committed purchases $230M."],"consensus_eps_estimate":null,"consensus_eps_actual":-8.72,"consensus_revenue_estimate":null,"consensus_revenue_actual":1222680000.0,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":256867,"accession_number":"0001084961-23-000106","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2023-11-01T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Encore Capital Group posts Q3 2023 investor presentation on website","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Filed a slide presentation dated Nov 1, 2023 for third-quarter 2023 results.","Presentation posted on company website; full financial details not provided in this excerpt.","No specific financial metrics or guidance disclosed in the furnished excerpt.","Investors should review the complete presentation for Q3 2023 performance."],"consensus_eps_estimate":null,"consensus_eps_actual":2.62,"consensus_revenue_estimate":null,"consensus_revenue_actual":945293000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":256866,"accession_number":"0001084961-23-000104","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2023-11-01T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Encore Capital Q3 GAAP EPS $0.79 (-35% YoY); US portfolio purchases $179M at 2.4x multiple","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Global collections $465M (+2% YoY); GAAP net income $19.3M vs $31.5M, down 39%.","GAAP EPS $0.79 vs $1.22 in Q3 2022 (-35%); revenue $309.6M (+1% YoY).","Total portfolio purchases $231M, including $179M US at a 2.4x purchase price multiple.","ERC grew to $7.88B from $7.31B (+8% YoY); added ~$175M liquidity post-quarter.","CEO expects record US capital deployment in 2023 and robust supply pipeline for 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":2.62,"consensus_revenue_estimate":null,"consensus_revenue_actual":945293000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":256865,"accession_number":"0001084961-23-000096","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2023-10-10T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Encore Capital announces €100M senior secured floating rate notes offering due 2028","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["€100M aggregate principal of senior secured floating rate notes due 2028, priced at 99.01%.","Interest rate: 3-month EURIBOR (0% floor) + 4.250% p.a., reset quarterly; matures Jan 15, 2028.","Proceeds to repay drawings under revolving credit facility and pay transaction fees.","Notes are additional notes under existing indenture, guaranteed by material subsidiaries.","Year-to-date through Aug 31, 2023, global cash collections in line with first half; leverage 2.8x."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":274216,"accession_number":"0001084961-23-000089","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2023-08-02T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Encore Capital posts Q2 2023 investor presentation on website","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Slide presentation dated August 2, 2023 is furnished as Exhibit 99.1.","Presentation covers second quarter 2023 results and outlook.","No financial data provided in the filing; full content not available in extracted text.","Investors should refer to the full presentation on Encore's website for details."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":274215,"accession_number":"0001084961-23-000087","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2023-08-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Encore Capital Q2 GAAP EPS $1.08, revenue down 9% YoY; portfolio purchases up 59% to $274M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $26.3M ($1.08 per share) vs $60.4M ($2.29) a year ago, down 56%.","Revenue $323M, down 9% YoY from $357M; global collections $477M, down 4%.","Portfolio purchases surged 59% to $274M, driven by $213M in U.S. (flat QoQ).","Estimated Remaining Collections (ERC) $7.98B, up 6% YoY.","CEO expects steady ERC and earnings growth on higher U.S. purchases and improving returns."],"consensus_eps_estimate":null,"consensus_eps_actual":1.83,"consensus_revenue_estimate":null,"consensus_revenue_actual":635674000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":291422,"accession_number":"0001084961-23-000066","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2023-06-13T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Encore Capital shareholders elect all nine directors, approve say-on-pay, ratify BDO USA","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All nine director nominees elected; largest vote total for William C. Goings (20,181,436 for).","Say-on-pay approved with 19,410,500 votes for, 715,780 against, 118,987 abstain.","Ratification of BDO USA as auditor for FY2023: 21,381,568 for, 244,036 against, 6,145 abstain.","Broker non-votes on director elections and say-on-pay: 1,386,482 each."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":291421,"accession_number":"0001084961-23-000057","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2023-05-15T23:59:59+00:00","items":["1.01","8.01","9.01"],"status":"ready","headline":"Encore Capital extends credit facility to Sep 2027, upsizes by $40M to $1.18B","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Amendment dated May 11, 2023 extends termination date from Sep 2026 to Sep 2027.","Facility increased by $40 million to $1.18 billion via accordion feature.","CFO cites bank group support and improved financial flexibility to capitalize on portfolio purchases.","No material maturities until 2025; company expects competitive funding costs."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":291420,"accession_number":"0001084961-23-000053","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2023-05-03T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Encore Capital Group Q1 2023 investor presentation filed; no specific metrics in excerpt","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Slide presentation posted on May 3, 2023, covering Q1 2023 results.","Full presentation available on Encore's website; excerpt provided shows only title and disclaimers.","No financial figures, guidance, or operational data visible in the filed exhibit."],"consensus_eps_estimate":null,"consensus_eps_actual":0.75,"consensus_revenue_estimate":null,"consensus_revenue_actual":312630000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":291419,"accession_number":"0001084961-23-000052","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2023-05-03T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Encore Capital Q1 net income down 89% to $18.6M; portfolio purchases up 63% to $276M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP EPS $0.75 vs $6.40 YoY; net income $18.6M down from $175.7M; revenue $312.6M (-37%).","Collections $462.4M (-11%); US portfolio purchases record $213.5M (more than double Q1 2022).","European headcount reductions incurred $6M pre-tax charge ($0.19 per share impact).","Portfolio supply accelerating in US; management expects Q2 US purchases similar to Q1.","Estimated Remaining Collections (ERC) flat at $7.79B; operating expenses up 3%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.75,"consensus_revenue_estimate":null,"consensus_revenue_actual":312630000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":312227,"accession_number":"0001084961-23-000031","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2023-03-28T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Encore Capital notifies Cabot CEO Craig Buick of termination effective March 2024","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Craig Buick, CEO of Encore's Cabot unit, notified his employment ends March 28, 2024 under 12-month notice.","Buick will remain senior employee until May 8, 2023, then garden leave until termination.","Separation benefits include payments per Nov 2019 Executive Service Agreement and Nov 2022 letter, subject to release.","Termination aligns with management restructuring to consolidate international businesses under one leader."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":312226,"accession_number":"0001084961-23-000019","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2023-03-03T23:59:59+00:00","items":["1.01","2.03","3.02","8.01","9.01"],"status":"ready","headline":"Encore Capital issues $230M of 4.00% convertible notes due 2029, repurchases $154.8M of 2023 exchangeable notes","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $230M aggregate principal of 4.00% convertible senior notes due 2029, including $30M over-allotment.","Initial conversion price ~$65.89/share, a 27.5% premium over $51.68 closing price on Feb 28, 2023.","Net proceeds ~$223.3M; used $192.5M to repurchase $154.8M of 2023 exchangeable notes and $18.5M for capped call transactions.","Capped call transactions with cap price ~$82.69/share to reduce potential dilution upon conversion.","Remaining proceeds for general corporate purposes, including potential debt repayment or stock repurchases."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":312225,"accession_number":"0001084961-23-000012","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2023-02-22T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Encore Capital Group posts Q4 2022 investor presentation; details not available in filing excerpt","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Slide presentation furnished as Exhibit 99.1 but text truncated in filing.","No specific financial results or guidance included in the provided excerpt.","Presentation covers Q4 2022 results but actual numbers not available.","Investors should refer to the full presentation on the company's website."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":312224,"accession_number":"0001084961-23-000011","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2023-02-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Encore Capital reports Q4 net loss of $73M; full-year EPS $7.46, down 34% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net loss of $73.1M in Q4 2022 vs net income of $76.1M in Q4 2021; EPS -$3.11.","Full-year 2022 GAAP net income $194.6M, EPS $7.46, down 45% and 34% YoY respectively.","Portfolio purchases up 20% to $800.5M; U.S. purchases up 36% to $556M.","ERC down 3% to $7.56B; effective tax rate 37.4% for full year, Q4 negative due to one-time items.","Q1 2023 U.S. portfolio purchases expected at least $200M, more than double Q1 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":7.46,"consensus_revenue_estimate":null,"consensus_revenue_actual":1398347000.0,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":330795,"accession_number":"0001084961-22-000130","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K","filed_at":"2022-12-16T23:59:59+00:00","items":["5.03","9.01"],"status":"ready","headline":"Encore Capital amends bylaws to adopt universal proxy rules and enhance stockholder meeting procedures","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board approved amended bylaws effective Dec 13, 2022, aligning with SEC universal proxy rules under Rule 14a-19.","Enhanced disclosure requirements for stockholder director nominations and proposals, including background and ownership info.","New notice procedures for special meetings and written consent, requiring prior Board request to fix record date.","Designated Delaware Court of Chancery as exclusive forum for internal claims and federal courts for Securities Act claims."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":330791,"accession_number":"0001084961-22-000128","cik":1084961,"company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","form_type":"8-K/A","filed_at":"2022-12-07T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Encore Capital amends principal accounting officer departure date; CFO Clark assumes role","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Peter Reck resigned effective Dec. 30, 2022 (previously April 1, 2023).","CFO Jonathan Clark, 63, reassumes principal accounting officer duties as of Dec. 30.","Clark served as principal accounting officer from Feb. 2015 to May 2021.","Resignation is personal, not due to any disagreement with the Company.","No additional compensation for Clark in connection with the new role."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":1742462292.970556,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":"2022-12-07T23:59:59+00:00|330791"}