{"schema_version":"secwatch.filing_event.v1","accession":"0001084961-23-000087","form_type":"8-K","ticker":"ECPG","cik":"0001084961","company_name":"ENCORE CAPITAL GROUP INC","filed_at":"2023-08-02T23:59:59+00:00","discovered_at":"2026-05-14T18:03:33.105579+00:00","generated_at":"2026-06-12T11:19:50.006330+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Encore Capital Q2 GAAP EPS $1.08, revenue down 9% YoY; portfolio purchases up 59% to $274M","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001084961-23-000087","json":"https://secwatch.observer/filing/0001084961-23-000087.json","markdown":"https://secwatch.observer/filing/0001084961-23-000087.md","text":"https://secwatch.observer/filing/0001084961-23-000087.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1084961/000108496123000087/0001084961-23-000087-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1084961/000108496123000087/ecpg-20230802.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-12T11:19:50.006330+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"be1a25b8cc076ccf343a9fcb7c98b6f86014a448","claim":"ENCORE CAPITAL GROUP INC reported second quarter ended June 30, 2023 results: net income $26,305 (in thousands), EPS $1.08.","evidence_excerpt":"On August 2, 2023, Encore Capital Group, Inc. (“Encore”) issued a press release announcing its financial results for the quarter ended June 30, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1084961/000108496123000087/0001084961-23-000087-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"second quarter ended June 30, 2023"},{"label":"Net income","value":"$26,305 (in thousands)"},{"label":"EPS","value":"$1.08"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}