{"schema_version":"secwatch.filing_event.v1","accession":"0001084961-25-000008","form_type":"8-K","ticker":"ECPG","cik":"0001084961","company_name":"ENCORE CAPITAL GROUP INC","filed_at":"2025-02-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:02.894537+00:00","generated_at":"2026-05-26T03:12:07.558437+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Encore Capital reports $139M net loss for 2024; record portfolio purchases $1.35B, up 26%","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001084961-25-000008","json":"https://secwatch.observer/filing/0001084961-25-000008.json","markdown":"https://secwatch.observer/filing/0001084961-25-000008.md","text":"https://secwatch.observer/filing/0001084961-25-000008.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1084961/000108496125000008/0001084961-25-000008-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1084961/000108496125000008/ecpg-20250226.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-26T03:12:07.558437+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"}