---
schema_version: "secwatch.filing_event.v1"
accession: "0001084961-26-000044"
form_type: "8-K"
ticker: "ECPG"
cik: "0001084961"
company_name: "ENCORE CAPITAL GROUP INC"
filed_at: "2026-05-13T23:17:37+00:00"
generated_at: "2026-05-14T10:05:49.403739+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Encore Capital upsizes €325M floating rate note offering, also launches $750M notes to refinance debt

## Summary
- Priced €325M senior secured floating rate notes due 2033 at 3-month EURIBOR + 3.250%, upsized from €300M.
- Proceeds to redeem €215M of €415M outstanding 2028 notes and repay revolver.
- Concurrent $750M 6.625% senior secured notes due 2032 to redeem $500M 9.250% 2029 notes and €200M of 2028 notes.
- After both offerings, all €415M 2028 notes fully redeemed; FY 2026 guidance unchanged.

## SEC filing metadata
- accession: 0001084961-26-000044
- form_type: 8-K
- ticker: ECPG
- cik: 0001084961
- company_name: ENCORE CAPITAL GROUP INC
- filed_at: 2026-05-13T23:17:37+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1084961/000108496126000044/0001084961-26-000044-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1084961/000108496126000044/ecpg-20260512.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001084961-26-000044
- JSON: https://secwatch.observer/filing/0001084961-26-000044.json
- Plain text: https://secwatch.observer/filing/0001084961-26-000044.txt

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