---
schema_version: "secwatch.filing_event.v1"
accession: "0001084961-25-000104"
form_type: "8-K"
ticker: "ECPG"
cik: "0001084961"
company_name: "ENCORE CAPITAL GROUP INC"
filed_at: "2025-09-25T23:59:59+00:00"
generated_at: "2026-05-17T05:38:31.142704+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Encore Capital prices $500M 6.625% senior secured notes due 2031, upsized from $400M

## Summary
- Principal amount upsized to $500M from $400M; notes priced at 100% of par.
- Interest rate 6.625% per annum, payable semi-annually on April 15 and October 15.
- Proceeds to repay drawings under Global Senior Facility and pay transaction fees.
- Notes are senior secured obligations, guaranteed by material subsidiaries.
- Maturity April 15, 2031, subject to earlier repurchase or redemption.

## SEC filing metadata
- accession: 0001084961-25-000104
- form_type: 8-K
- ticker: ECPG
- cik: 0001084961
- company_name: ENCORE CAPITAL GROUP INC
- filed_at: 2025-09-25T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1084961/000108496125000104/0001084961-25-000104-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1084961/000108496125000104/ecpg-20250924.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001084961-25-000104
- JSON: https://secwatch.observer/filing/0001084961-25-000104.json
- Plain text: https://secwatch.observer/filing/0001084961-25-000104.txt

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