secwatch.observer — SEC 8-K summary
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Issuer:     ENCORE CAPITAL GROUP INC (ECPG)
CIK:        0001084961
Form:       8-K
Filed at:   2026-02-25T23:59:59+00:00
Accession:  0001084961-26-000007
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1084961/000108496126000007/0001084961-26-000007-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1084961/000108496126000007/ecpg-20260225.htm
  HTML page:      https://secwatch.observer/filing/0001084961-26-000007

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