{"schema_version":"secwatch.filing_event.v1","accession":"0001084961-25-000114","form_type":"8-K","ticker":"ECPG","cik":"0001084961","company_name":"ENCORE CAPITAL GROUP INC","filed_at":"2025-11-05T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.757485+00:00","generated_at":"2026-05-17T00:10:21.354226+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"EPS $3.17 (+152% YoY); record collections $663M; raises FY2025 guidance to ~$2.55B","bullets":["EPS $3.17 (up 152% from $1.26); net income $74.7M (up 144% YoY).","Global collections record $663M (+20% YoY); U.S. MCM collections record $502M (+25%).","Portfolio purchases $346M (+23% YoY), with $261M in U.S. and $85M in Europe.","FY2025 global collections guidance raised to ~$2.55B (18% growth); purchase guidance unchanged.","~$60M share repurchases YTD; board authorized $300M addition to repurchase program."],"urls":{"canonical":"https://secwatch.observer/filing/0001084961-25-000114","json":"https://secwatch.observer/filing/0001084961-25-000114.json","markdown":"https://secwatch.observer/filing/0001084961-25-000114.md","text":"https://secwatch.observer/filing/0001084961-25-000114.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1084961/000108496125000114/0001084961-25-000114-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1084961/000108496125000114/ecpg-20251105.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T00:10:21.354226+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"}