---
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"
generated_at: "2026-05-17T18:52:04.460072+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Encore Capital Group Q2 2025 EPS $2.49 (+86% YoY); raises FY collections guidance to ~$2.5B

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001084961-25-000094
- JSON: https://secwatch.observer/filing/0001084961-25-000094.json
- Plain text: https://secwatch.observer/filing/0001084961-25-000094.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.