{"schema_version":"secwatch.filing_event.v1","accession":"0001084961-23-000104","form_type":"8-K","ticker":"ECPG","cik":"0001084961","company_name":"ENCORE CAPITAL GROUP INC","filed_at":"2023-11-01T23:59:59+00:00","discovered_at":"2026-05-14T18:03:28.168026+00:00","generated_at":"2026-06-09T01:58:51.933697+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Encore Capital Q3 GAAP EPS $0.79 (-35% YoY); US portfolio purchases $179M at 2.4x multiple","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001084961-23-000104","json":"https://secwatch.observer/filing/0001084961-23-000104.json","markdown":"https://secwatch.observer/filing/0001084961-23-000104.md","text":"https://secwatch.observer/filing/0001084961-23-000104.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1084961/000108496123000104/0001084961-23-000104-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1084961/000108496123000104/ecpg-20231101.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T01:58:51.933697+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":"852eca21622eff827bfdddf4af5208495c43eab8","claim":"ENCORE CAPITAL GROUP INC reported the third quarter ended September 30, 2023 results: revenue $309,619, net income $19,339, EPS $0.79.","evidence_excerpt":"2023 2022 Change Portfolio purchases (1) $ 230,559 $ 232,652 (1)% Estimated Remaining Collections (ERC) $ 7,877,621 $ 7,312,336 8% Collections $ 465,339 $ 458,256 2% Revenues $ 309,619 $ 307,752 1% Operating expenses $ 234,101 $ 227,235 3% GAAP net income $ 19,339 $ 31,494 (39)% GAAP earnings per share $ 0.79 $ 1.22 (35)% ______________________ (1) Includes U.S.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1084961/000108496123000104/0001084961-23-000104-index.htm","confidence":0.99,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the third quarter ended September 30, 2023"},{"label":"Revenue","value":"$309,619"},{"label":"Net income","value":"$19,339"},{"label":"EPS","value":"$0.79"},{"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"}