{"schema_version":"secwatch.filing_event.v1","accession":"0001084961-26-000007","form_type":"8-K","ticker":"ECPG","cik":"0001084961","company_name":"ENCORE CAPITAL GROUP INC","filed_at":"2026-02-25T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.518902+00:00","generated_at":"2026-05-16T00:06:09.456199+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Encore Capital posts record 2025 results: EPS $10.91, net income $257M; guides 2026 EPS to $4.93-$5.02","bullets":["Full-year 2025 net income $256.8M ($10.91 EPS) swung from net loss of $139.2M ($(5.83) EPS) in 2024","Global collections up 20% to $2.59B; U.S. (MCM) record collections $1.95B (+24%) and record portfolio purchases $1.17B (+18%)","Global portfolio purchases in 2025 up 4% to $1.41B; Europe Cabot collections up 9% to $641M","2026 guidance: global collections ~$2.7B (+5%), portfolio purchases $1.4-$1.5B, EPS expected $4.93-$5.02 (formal outlook) and CEO expects EPS to increase 10% to ~$12.00","Repurchased ~9% of shares outstanding for $89.5M in 2025"],"urls":{"canonical":"https://secwatch.observer/filing/0001084961-26-000007","json":"https://secwatch.observer/filing/0001084961-26-000007.json","markdown":"https://secwatch.observer/filing/0001084961-26-000007.md","text":"https://secwatch.observer/filing/0001084961-26-000007.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1084961/000108496126000007/0001084961-26-000007-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1084961/000108496126000007/ecpg-20260225.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T00:06:09.456199+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"}