{"schema_version":"secwatch.filing_event.v1","accession":"0001084961-24-000006","form_type":"8-K","ticker":"ECPG","cik":"0001084961","company_name":"ENCORE CAPITAL GROUP INC","filed_at":"2024-02-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:23.324466+00:00","generated_at":"2026-06-05T21:39:38.711208+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Encore Capital reports FY2023 net loss of $206.5M, driven by $238.2M goodwill impairment","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001084961-24-000006","json":"https://secwatch.observer/filing/0001084961-24-000006.json","markdown":"https://secwatch.observer/filing/0001084961-24-000006.md","text":"https://secwatch.observer/filing/0001084961-24-000006.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1084961/000108496124000006/0001084961-24-000006-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1084961/000108496124000006/ecpg-20240221.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-05T21:39:38.711208+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":"2792cb82f5c64d5993f68c63925c7c60cb390148","claim":"ENCORE CAPITAL GROUP INC reported financial results for the quarter and full fiscal year ended December 31, 2023.","evidence_excerpt":"On February 21, 2024, Encore Capital Group, Inc. (\"Encore\") issued a press release announcing its financial results for the quarter and full fiscal year ended December 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1084961/000108496124000006/0001084961-24-000006-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter and full fiscal year ended December 31, 2023"},{"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"}