{"schema_version":"secwatch.filing_event.v1","accession":"0001084961-26-000057","form_type":"8-K","ticker":"ECPG","cik":"0001084961","company_name":"ENCORE CAPITAL GROUP INC","filed_at":"2026-08-05T20:09:16+00:00","discovered_at":"2026-08-05T20:10:13.884978+00:00","generated_at":"2026-08-05T20:12:05.927832+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Encore Capital Q2 EPS $2.81; record collections $737M; raises FY2026 guidance","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001084961-26-000057","json":"https://secwatch.observer/filing/0001084961-26-000057.json","markdown":"https://secwatch.observer/filing/0001084961-26-000057.md","text":"https://secwatch.observer/filing/0001084961-26-000057.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1084961/000108496126000057/0001084961-26-000057-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1084961/000108496126000057/ecpg-20260805.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-08-05T20:12:05.927832+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"}