{"schema_version":"secwatch.filing_event.v1","accession":"0001084961-25-000094","form_type":"8-K","ticker":"ECPG","cik":"0001084961","company_name":"ENCORE CAPITAL GROUP INC","filed_at":"2025-08-06T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.299621+00:00","generated_at":"2026-05-17T18:52:04.460072+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Encore Capital Group Q2 2025 EPS $2.49 (+86% YoY); raises FY collections guidance to ~$2.5B","bullets":["EPS $2.49 vs $1.34 YoY (+86%); net income $58.7M (+82%).","Global collections record $655M (+20%); portfolio purchases $367M (+32%) including record US $317M.","Raised FY 2025 collections guidance to ~$2.5B (+15.5% YoY) from prior 11% growth to $2.4B.","ERC record $9.4B (+12%); repurchased $15M of stock in Q2."],"urls":{"canonical":"https://secwatch.observer/filing/0001084961-25-000094","json":"https://secwatch.observer/filing/0001084961-25-000094.json","markdown":"https://secwatch.observer/filing/0001084961-25-000094.md","text":"https://secwatch.observer/filing/0001084961-25-000094.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1084961/000108496125000094/0001084961-25-000094-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1084961/000108496125000094/ecpg-20250806.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T18:52:04.460072+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"}