---
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"
generated_at: "2026-05-17T00:10:21.354226+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# EPS $3.17 (+152% YoY); record collections $663M; raises FY2025 guidance to ~$2.55B

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001084961-25-000114
- JSON: https://secwatch.observer/filing/0001084961-25-000114.json
- Plain text: https://secwatch.observer/filing/0001084961-25-000114.txt

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