{"schema_version":"secwatch.filing_event.v1","accession":"0001084961-24-000098","form_type":"8-K","ticker":"ECPG","cik":"0001084961","company_name":"ENCORE CAPITAL GROUP INC","filed_at":"2024-11-06T23:59:59+00:00","discovered_at":"2026-05-14T18:03:07.618770+00:00","generated_at":"2026-05-30T04:18:30.686725+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Encore Capital Q3 GAAP EPS $1.26, up 59% YoY; raises 2024 purchase guidance >$1.25B","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001084961-24-000098","json":"https://secwatch.observer/filing/0001084961-24-000098.json","markdown":"https://secwatch.observer/filing/0001084961-24-000098.md","text":"https://secwatch.observer/filing/0001084961-24-000098.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1084961/000108496124000098/0001084961-24-000098-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1084961/000108496124000098/ecpg-20241106.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T04:18:30.686725+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}