---
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"
generated_at: "2026-05-16T00:06:09.456199+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Encore Capital posts record 2025 results: EPS $10.91, net income $257M; guides 2026 EPS to $4.93-$5.02

## Summary
- 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

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001084961-26-000007
- JSON: https://secwatch.observer/filing/0001084961-26-000007.json
- Plain text: https://secwatch.observer/filing/0001084961-26-000007.txt

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