{"schema_version":"secwatch.filing_event.v1","accession":"0001084961-26-000052","form_type":"8-K","ticker":"ECPG","cik":"0001084961","company_name":"ENCORE CAPITAL GROUP INC","filed_at":"2026-07-22T20:20:29+00:00","discovered_at":"2026-07-22T20:21:00.338906+00:00","generated_at":"2026-07-22T20:21:14.759176+00:00","sec_items":["7.01","8.01","9.01"],"event_type":"debt","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Encore Capital calls all $230M 4.00% convertible notes due 2029 for redemption on Sept 24, 2026","bullets":["Redemption of all $230M aggregate principal of 4.00% Convertible Senior Notes due 2029 on September 24, 2026.","Conversion rate increased to 16.2056 shares per $1,000 principal for conversions during make-whole period (through Sept 22, 2026).","Capped call transactions from 2023 will unwind; option counterparties may sell shares, potentially decreasing stock price.","Redemption price is 100% of principal plus accrued interest (~$1,001 per $1,000 note).","Notes not converted by Sept 22 will be redeemed for cash; conversions settled in cash."],"urls":{"canonical":"https://secwatch.observer/filing/0001084961-26-000052","json":"https://secwatch.observer/filing/0001084961-26-000052.json","markdown":"https://secwatch.observer/filing/0001084961-26-000052.md","text":"https://secwatch.observer/filing/0001084961-26-000052.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1084961/000108496126000052/0001084961-26-000052-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1084961/000108496126000052/ecpg-20260722.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-22T20:21:14.759176+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"}