Encore Capital Q2 EPS $2.81; record collections $737M; raises FY2026 guidance

ENCORE CAPITAL GROUP INC

GAAP net income $64M ($2.81 EPS) includes $1.00/share refinancing costs; revenue $492M, up 11% YoY.
Global collections record $737M (+13% YoY); U.S. MCM record $572M (+17%).
Portfolio purchases $444M, record U.S. $372M; Europe $72M.
Refinanced $1B debt in May, incurring $30.5M costs; expects $15M annual interest savings.
FY2026 guidance raised: collections $2.80-2.85B, EPS $13.00-14.00; portfolio purchases $1.4-1.5B.

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