Statistik Asas
| LEI | 5493000UVC6H49CIH830 |
| CIK | 1084961 |
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis.
These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Encore Capital Group, Inc.
SEC Filings (Chronological Order)
Halaman ini menyediakan senarai kronologi lengkap bagi Pemfailan SEC, tidak termasuk pemfailan pemilikan yang kami sediakan di tempat lain.
| August 6, 2025 |
ecpgq22025earningscallsl Second Quarter 2025 Investor Presentation Encore Capital Group, Inc. |
|
| August 6, 2025 |
Encore Capital Group Announces Second Quarter 2025 Financial Results Exhibit 99.1 Encore Capital Group Announces Second Quarter 2025 Financial Results •Favorable purchasing conditions continue in U.S. market •Global portfolio purchases up 32% to $367 million, including record $317 million in U.S. •Global collections up 20% to record $655 million, including record $490 million in U.S. •Estimated remaining collections (ERC) up 12% to record $9.4 billion •Earnings per |
|
| August 6, 2025 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 August 6, 2025 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| August 6, 2025 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 August 6, 2025 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| August 6, 2025 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to. COMMISSION FILE NUMBER: 0 |
|
| June 10, 2025 |
Submission of Matters to a Vote of Security Holders UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 June 6, 2025 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| May 23, 2025 |
Entry into a Material Definitive Agreement, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 May 22, 2025 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| May 23, 2025 |
Exhibit 10.1 From: Encore Capital Group, Inc. (the “Parent”) To: Truist Bank as Agent under the Facility Agreement (as defined below) (the “Agent”) The Lenders (as defined in the Facility Agreement) as at the date of this Amendment Letter (the “Lenders”) Citizens Bank, N.A. BofA Securities, Inc. Date: 22 May 2025 AMENDMENT LETTER Dear Sir/Madam, 1. INTRODUCTION 1.1 We refer to the facility agreeme |
|
| May 7, 2025 |
Capital Group, Inc. and Tomas Hernanz dated March 28, 2025 (filed her Exhibit 10.2 TRANSITION AND CONSULTING AGREEMENT THIS TRANSITION AND CONSULTING AGREEMENT (“Agreement”) is entered into by and between Jonathan Clark (“Consultant”) and Encore Capital Group, Inc. (“Company”). WHEREAS, Consultant serves as Executive Vice President, Chief Financial Officer and Treasurer of the Company and has notified the Company of his decision to retire from the Company effective |
|
| May 7, 2025 |
nc. and Tomas Hernanz dated March 31, 2025 (filed herewith) Exhibit 10.1 [Encore Letterhead] Tomas Hernanz # ######### #### London ### ### United Kingdom Dear Tomas, It gives me great pleasure to congratulate you on your appointment to Executive Vice President, Chief Financial Officer and Treasurer at Encore Capital Group, Inc. (the “Company”) effective April 1, 2025. In this position you will report to Ashish Masih, the Company’s President & CEO, and join |
|
| May 7, 2025 |
ecpgq12025earningscallsl First Quarter 2025 Investor Presentation Encore Capital Group, Inc. |
|
| May 7, 2025 |
Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 May 7, 2025 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| May 7, 2025 |
Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 May 7, 2025 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| May 7, 2025 |
Encore Capital Group Announces First Quarter 2025 Financial Results Exhibit 99.1 Encore Capital Group Announces First Quarter 2025 Financial Results •Favorable purchasing conditions continue in U.S. market •Global portfolio purchases up 24% to $368 million, including record $316 million in U.S. •Global collections up 18% to $605 million, including record $454 million in U.S. •Earnings per share of $1.93 SAN DIEGO, May 7, 2025 - Encore Capital Group, Inc. (NASDAQ: |
|
| May 7, 2025 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to. COMMISSION FILE NUMBER: |
|
| April 25, 2025 |
Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary proxy statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14 |
|
| April 25, 2025 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary proxy statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Defin |
|
| April 25, 2025 |
2024 Annual Report ENCORE CAPITAL GROUP Better Solutions. Better Life. ENCORE CAPITAL GROUP 2024 ANNUAL REPORT 2 Contents Encore’s Mission, Vision and Values OUR MISSION Creating pathways to economic freedom WE CARE We put people first and engage with honesty, empathy, and respect WE FIND A BETTER WAY We deliver our best in everything we do, find ways to make a positive difference, and achieve imp |
|
| March 31, 2025 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 March 26, 2025 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| February 26, 2025 |
Encore Capital Group Announces Fourth Quarter and Full-Year 2024 Financial Results Exhibit 99.1 Encore Capital Group Announces Fourth Quarter and Full-Year 2024 Financial Results •Favorable U.S. market for portfolio supply continues •Global portfolio purchases in 2024 up 26% to record $1.35 billion •Global collections in 2024 up 16% to $2.16 billion •Actions taken to resolve Cabot issues resulted in a loss for the quarter and the year SAN DIEGO, February 26, 2025 - Encore Capita |
|
| February 26, 2025 |
Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 February 26, 2025 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| February 26, 2025 |
Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 February 26, 2025 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| February 26, 2025 |
Exhibit 21 Subsidiaries of Encore Capital Group, Inc. As of December 31, 2024 Name Jurisdiction of Incorporation or Formation Asset Acceptance Capital LLC Delaware Asset Acceptance, LLC Delaware Atlantic Credit & Finance Special Finance Unit, LLC Virginia Atlantic Credit & Finance Special Finance Unit III, LLC Virginia Atlantic Credit & Finance, Inc. Virginia Cabot Asset Purchases (Ireland) Limite |
|
| February 26, 2025 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER: 000- |
|
| February 26, 2025 |
Exhibit 19 Encore Capital Group, Inc. Insider Trading Policy 1 Purpose The purpose of this policy is to prevent insider trading and the misuse of confidential information. A violation of insider trading laws could result in the imposition of civil and criminal penalties, including imprisonment. It is your obligation to understand and comply with this policy. Should you have any questions regarding |
|
| February 26, 2025 |
Fourth Quarter 2024 Investor Presentation Encore Capital Group, Inc. February 26, 2025 Exhibit 99.1 Encore Capital Group, Inc. 2 Legal Disclaimers The statements in this presentation that are not historical facts, including, most importantly, those statements preceded by, or that include, the words “will,” “may,” “believe,” “projects,” “expects,” “anticipates” or the negation thereof, or similar e |
|
| November 6, 2024 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to. COMMISSION FILE NUMB |
|
| November 6, 2024 |
Third Quarter 2024 Investor Presentation Encore Capital Group, Inc. November 6, 2024 Exhibit 99.1 Encore Capital Group, Inc. 2 Legal Disclaimers The statements in this presentation that are not historical facts, including, most importantly, those statements preceded by, or that include, the words “will,” “may,” “believe,” “projects,” “expects,” “anticipates” or the negation thereof, or similar exp |
|
| November 6, 2024 |
Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 November 6, 2024 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| November 6, 2024 |
Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 November 6, 2024 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| November 6, 2024 |
Encore Capital Group Announces Third Quarter 2024 Financial Results Exhibit 99.1 Encore Capital Group Announces Third Quarter 2024 Financial Results •Highly favorable purchasing conditions continue in U.S. market •Global portfolio purchases up 23% to $282 million •Global collections up 18% to $550 million •GAAP EPS of $1.26 SAN DIEGO, November 6, 2024 - Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty finance company, today reported consolidat |
|
| October 23, 2024 |
Execution Version SENIOR FACILITIES AGREEMENT RELATING TO A $1,295,000,000 COMMITTED REVOLVING FACILITY dated 20 SEPTEMBER 2012 AS AMENDED BY AN AMENDMENT LETTER DATED 25 APRIL 2013, AS AMENDED AND RESTATED BY AN AMENDMENT AND RESTATEMENT AGREEMENT DATED 28 JUNE 2013, AS AMENDED BY AN AMENDMENT AGREEMENT DATED 25 JULY 2014, AS AMENDED AND RESTATED BY AN AMENDMENT AND RESTATEMENT AGREEMENT DATED 5 |
|
| October 23, 2024 |
Entry into a Material Definitive Agreement, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 October 17, 2024 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| August 7, 2024 |
Encore Capital Group Announces Second Quarter 2024 Financial Results Exhibit 99.1 Encore Capital Group Announces Second Quarter 2024 Financial Results •Highly favorable purchasing conditions continue in U.S. market •Global portfolio purchases of $279 million including record $237 million in the U.S. •Global collections of $547 million up 15% compared to Q2 2023 •GAAP EPS of $1.34 SAN DIEGO, August 7, 2024 - Encore Capital Group, Inc. (NASDAQ: ECPG), an internationa |
|
| August 7, 2024 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to. COMMISSION FILE NUMBER: 0 |
|
| August 7, 2024 |
International Assignment Agreement with John Yung dated July 31, 2023 Exhibit 10.1 International Assignment Agreement July 31, 2023 [This copy supercedes all prior version(s).] John Yung #### ## ######### ##### ##### ######## ###, Paradise Valley, AZ 85253 Re: Offer of Temporary International Assignment to the United Kingdom Dear John: As part of your promotion to the new role of “President of International and Cabot Credit Management” and on behalf of Encore Capita |
|
| August 7, 2024 |
Second Quarter 2024 Investor Presentation Encore Capital Group, Inc. August 7, 2024 Exhibit 99.1 Encore Capital Group, Inc. 2 Legal Disclaimers The statements in this presentation that are not historical facts, including, most importantly, those statements preceded by, or that include, the words “will,” “may,” “believe,” “projects,” “expects,” “anticipates” or the negation thereof, or similar expr |
|
| August 7, 2024 |
Non-Employee Director Compensation Program Guidelines, effective June Exhibit 10.1 Exhibit 10.1 ENCORE CAPITAL GROUP, INC. NON-EMPLOYEE DIRECTOR COMPENSATION PROGRAM GUIDELINES Approved by the Board of Directors effective on June 7, 2024 ENCORE CAPITAL GROUP, INC. NON-EMPLOYEE DIRECTOR COMPENSATION PROGRAM GUIDELINES Table of Contents Section 1 Definitions Section 2 Purpose of Guidelines Section 3 Term of Guidelines; Amendment and Termination of Guidelines Section 4 |
|
| August 7, 2024 |
Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 August 7, 2024 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| August 7, 2024 |
Exhibit 99.2 Encore Capital Group Announces CFO Transition: Tomas Hernanz to Assume Role in 2025 Upon Jonathan Clark’s Retirement San Diego, CA – August 7, 2024 - Encore Capital Group, Inc. (NASDAQ: ECPG), a leading international specialty finance company, today announced that Jonathan C. Clark, Executive Vice President and Chief Financial Officer, will retire at the end of March 2025. Clark has b |
|
| August 7, 2024 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 August 7, 2024 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| June 10, 2024 |
Submission of Matters to a Vote of Security Holders UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 June 7, 2024 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| May 21, 2024 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 May 21, 2024 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| May 21, 2024 |
Exhibit 4.1 ENCORE CAPITAL GROUP, INC., as the Company THE GUARANTORS PARTIES HERETO, $500,000,000 of 8.500% Senior Secured Notes due 2030 INDENTURE May 21, 2024 GLAS TRUST COMPANY LLC, as Trustee GLAS TRUST COMPANY LLC, as Principal Paying Agent and Transfer Agent GLAS TRUST COMPANY LLC, as Registrar TRUIST BANK, as Security Agent TABLE OF CONTENTS Article I Definitions and Incorporation by Refer |
|
| May 14, 2024 |
Encore Capital Group, Inc. Announces Pricing of Upsized Senior Secured Notes Offering Exhibit 99.2 Encore Capital Group, Inc. Announces Pricing of Upsized Senior Secured Notes Offering SAN DIEGO, May 13, 2024 (GLOBE NEWSWIRE) - Encore Capital Group, Inc. (Nasdaq: ECPG) (the “Company”) today announced the pricing of its offering of $500.0 million aggregate principal amount of 8.500% senior secured notes due 2030 (the “notes”), which was upsized by $100.0 million from $400.0 million, |
|
| May 14, 2024 |
Encore Capital Group, Inc. Announces Proposed Senior Secured Notes Offering Exhibit 99.1 Encore Capital Group, Inc. Announces Proposed Senior Secured Notes Offering SAN DIEGO, May 13, 2024 (GLOBE NEWSWIRE) - Encore Capital Group, Inc. (Nasdaq: ECPG) (the “Company”) today announced its intention to offer, subject to market and other conditions, $400.0 million aggregate principal amount of senior secured notes due 2030 (the “notes”) in a private offering to qualified instit |
|
| May 14, 2024 |
Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 May 13, 2024 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| May 8, 2024 |
Encore Capital Group Announces First Quarter 2024 Financial Results Exhibit 99.1 Encore Capital Group Announces First Quarter 2024 Financial Results •Highly favorable purchasing conditions continue in U.S. market •Portfolio purchases of $296 million including record $237 million in the U.S. •Global collections of $511 million up 10% compared to Q1 2023 •GAAP EPS of $0.95 SAN DIEGO, May 8, 2024 - Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty |
|
| May 8, 2024 |
Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 May 8, 2024 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| May 8, 2024 |
Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 May 8, 2024 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| May 8, 2024 |
First Quarter 2024 Investor Presentation Encore Capital Group, Inc. May 8, 2024 Exhibit 99.1 Encore Capital Group, Inc. 2 Legal Disclaimers The statements in this presentation that are not historical facts, including, most importantly, those statements preceded by, or that include, the words “will,” “may,” “believe,” “projects,” “expects,” “anticipates” or the negation thereof, or similar expressi |
|
| May 8, 2024 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to. COMMISSION FILE NUMBER: |
|
| April 26, 2024 |
Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary proxy statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14 |
|
| April 26, 2024 |
2023 Annual Report ENCORE CAPITAL GROUP Better Solutions. Better Life. ENCORE CAPITAL GROUP 2023 ANNUAL REPORT 2 Contents Encore’s Mission, Vision and Values OUR MISSION Creating pathways to economic freedom WE CARE We put people first and engage with honesty, empathy, and respect WE FIND A BETTER WAY We deliver our best in everything we do, find ways to make a positive difference, and achieve imp |
|
| April 26, 2024 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary proxy statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Defin |
|
| March 21, 2024 |
Exhibit 4.1 ENCORE CAPITAL GROUP, INC., as the Company THE GUARANTORS PARTIES HERETO, $500,000,000 of 9.250% Senior Secured Notes due 2029 INDENTURE March 20, 2024 GLAS TRUST COMPANY LLC, as Trustee GLAS TRUST COMPANY LLC, as Principal Paying Agent and Transfer Agent GLAS TRUST COMPANY LLC, as Registrar TRUIST BANK, as Security Agent TABLE OF CONTENTS Article I Definitions and Incorporation by Ref |
|
| March 21, 2024 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 March 20, 2024 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| March 15, 2024 |
Encore Capital Group, Inc. Announces Pricing of Upsized Senior Secured Notes Offering Exhibit 99.2 Encore Capital Group, Inc. Announces Pricing of Upsized Senior Secured Notes Offering SAN DIEGO, March 14, 2024 (GLOBE NEWSWIRE) - Encore Capital Group, Inc. (Nasdaq: ECPG) (the “Company”) today announced the pricing of its offering of $500.0 million aggregate principal amount of 9.250% senior secured notes due 2029 (the “notes”), which was upsized by $100.0 million from $400.0 millio |
|
| March 15, 2024 |
Encore Capital Group, Inc. Announces Proposed Senior Secured Notes Offering Exhibit 99.1 Encore Capital Group, Inc. Announces Proposed Senior Secured Notes Offering SAN DIEGO, March 12, 2024 (GLOBE NEWSWIRE) - Encore Capital Group, Inc. (Nasdaq: ECPG) (the “Company”) today announced its intention to offer, subject to market and other conditions, $400.0 million aggregate principal amount of senior secured notes due 2029 (the “notes”) in a private offering to qualified inst |
|
| March 15, 2024 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 March 12, 2024 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| February 21, 2024 |
Exhibit 21 Subsidiaries of Encore Capital Group, Inc. As of December 31, 2023 Name Jurisdiction of Incorporation or Formation Asset Acceptance Capital LLC Delaware Asset Acceptance, LLC Delaware Atlantic Credit & Finance Special Finance Unit, LLC Virginia Atlantic Credit & Finance, Inc. Virginia Cabot Asset Purchases (Ireland) Limited Ireland Cabot Credit Management Group Limited United Kingdom Ca |
|
| February 21, 2024 |
Encore Capital Group Announces Fourth Quarter and Full-Year 2023 Financial Results Exhibit 99.1 Encore Capital Group Announces Fourth Quarter and Full-Year 2023 Financial Results •U.S. market for portfolio supply continues strong growth •Global portfolio purchases in 2023 up 34% to $1,074 million with a record $815 million in the U.S. •Encore expects portfolio purchases and collections to grow in 2024 SAN DIEGO, February 21, 2024 - Encore Capital Group, Inc. (NASDAQ: ECPG), an i |
|
| February 21, 2024 |
Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 February 21, 2024 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| February 21, 2024 |
Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 February 21, 2024 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| February 21, 2024 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER: 000- |
|
| February 21, 2024 |
Exhibit 97.1 Encore Capital Group, Inc. Policy for Recovery of Erroneously Awarded Compensation Effective Date: October 2, 2023 1PURPOSE Encore Capital Group, Inc. (the “Company”) has adopted this policy (the “Policy”) to provide for the recoupment of certain executive compensation in the event of an accounting restatement resulting from material noncompliance with financial requirement requiremen |
|
| February 21, 2024 |
Fourth Quarter 2023 Investor Presentation Encore Capital Group, Inc. February 21, 2024 Exhibit 99.1 Encore Capital Group, Inc. 2 Legal Disclaimers The statements in this presentation that are not historical facts, including, most importantly, those statements preceded by, or that include, the words “will,” “may,” “believe,” “projects,” “expects,” “anticipates” or the negation thereof, or similar e |
|
| February 21, 2024 |
Exhibit 4.14 DESCRIPTION OF REGISTRANT’S SECURITIES REGISTERED PURSUANT TO SECTION 12 OF THE SECURITIES EXCHANGE ACT OF 1934 The following is a brief description of the common stock, par value $0.01 per share (“Common Stock”) of Encore Capital Group, Inc. (the “Company”) registered pursuant to Section 12 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”). This description of t |
|
| February 14, 2024 |
SC 13G/A 1 sc13ga-ecpg.htm ECPG 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No: 10) Encore Capital Group, Inc. (Name of Issuer) Common Stock, $.01 par value (Title of Class of Securities) 292554102 (CUSIP Number) December 31, 2023 (Date of Event Which Requires Filing of this Statement) Check the app |
|
| February 14, 2024 |
ECPG / Encore Capital Group, Inc. / Turtle Creek Asset Management Inc. Passive Investment SC 13G/A 1 sayw2402140313ga.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2)* ENCORE CAPITAL GROUP, INC. (Name of Issuer) Common Stock (Title of Class of Securities) 292554102 (CUSIP Number) December 31, 2023 (Date of Event which Requires Filing of this Statement) Check the appropriate box to design |
|
| February 13, 2024 |
ECPG / Encore Capital Group, Inc. / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 12)* Name of issuer: Encore Capital Group Inc Title of Class of Securities: Common Stock CUSIP Number: 292554102 Date of Event Which Requires Filing of this Statement: December 29, 2023 Check the appropriate box to designate the rule pursuant to which this Schedule is fi |
|
| February 9, 2024 |
SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 5 )* Encore Capital Group Inc (Name of Issuer) Common Stock (Title of Class of Securities) 292554102 (CUSIP Number) December 29, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate b |
|
| November 1, 2023 |
Encore Capital Group Announces Third Quarter 2023 Financial Results Exhibit 99.1 Encore Capital Group Announces Third Quarter 2023 Financial Results •Global collections of $465 million •Portfolio purchases of $231 million including $179 million in the U.S. •Portfolio supply growth and pricing improvement continues in U.S. market •GAAP EPS of $0.79 SAN DIEGO, November 1, 2023 - Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty finance company, t |
|
| November 1, 2023 |
Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 November 1, 2023 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| November 1, 2023 |
Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 November 1, 2023 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| November 1, 2023 |
Third Quarter 2023 Investor Presentation Encore Capital Group, Inc. November 1, 2023 Exhibit 99.1 Encore Capital Group, Inc. 2 Legal Disclaimers The statements in this presentation that are not historical facts, including, most importantly, those statements preceded by, or that include, the words “will,” “may,” “believe,” “projects,” “expects,” “anticipates” or the negation thereof, or similar exp |
|
| November 1, 2023 |
Exhibit 10.2 EXECUTION VERSION AMENDMENT NO. 4 Dated as of September 15, 2023 to FOURTH AMENDED AND RESTATED SENIOR SECURED NOTE PURCHASE AGREEMENT Dated as of September 1, 2020 THIS AMENDMENT NO. 4 (“Amendment”) is made as of September 15, 2023 by and among Encore Capital Group, Inc. (the “Company”) and the undersigned holders of Notes (the “Noteholders”). Reference is made to that certain Fourth |
|
| November 1, 2023 |
Exhibit 10.1 EXECUTION VERSION SENIOR FACILITIES AGREEMENT RELATING TO A $1,180,000,000 COMMITTED REVOLVING FACILITY dated 20 SEPTEMBER 2012 AS AMENDED BY AN AMENDMENT LETTER DATED 25 APRIL 2013, AS AMENDED AND RESTATED BY AN AMENDMENT AND RESTATEMENT AGREEMENT DATED 28 JUNE 2013, AS AMENDED BY AN AMENDMENT AGREEMENT DATED 25 JULY 2014, AS AMENDED AND RESTATED BY AN AMENDMENT AND RESTATEMENT AGREE |
|
| November 1, 2023 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to. COMMISSION FILE NUMB |
|
| October 10, 2023 |
Encore Capital Group, Inc. Announces Pricing of Senior Secured Floating Rate Notes Offering Exhibit 99.2 Encore Capital Group, Inc. Announces Pricing of Senior Secured Floating Rate Notes Offering SAN DIEGO, October 9, 2023 (GLOBE NEWSWIRE) - Encore Capital Group, Inc. (Nasdaq: ECPG) (the “Company”) today announced the pricing of its offering of €100.0 million aggregate principal amount of its senior secured floating rate notes due 2028 (the “notes”) at an issue price of 99.01%, in a pri |
|
| October 10, 2023 |
Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 October 9, 2023 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| October 10, 2023 |
Encore Capital Group, Inc. Announces Proposed Senior Secured Floating Rate Notes Offering Exhibit 99.1 Encore Capital Group, Inc. Announces Proposed Senior Secured Floating Rate Notes Offering SAN DIEGO, October 9, 2023 (GLOBE NEWSWIRE) - Encore Capital Group, Inc. (Nasdaq: ECPG) (the “Company”) today announced its intention to offer, subject to market and other conditions, €100.0 million aggregate principal amount of its senior secured floating rate notes due 2028 (the “notes”) in a p |
|
| August 2, 2023 |
Encore Capital Group Announces Second Quarter 2023 Financial Results Exhibit 99.1 Encore Capital Group Announces Second Quarter 2023 Financial Results •Global collections of $477 million •Portfolio purchases of $274 million up 59%, including $213 million in the U.S. •Portfolio supply growth continues in U.S. market •GAAP EPS of $1.08 SAN DIEGO, August 2, 2023 - Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty finance company, today reported con |
|
| August 2, 2023 |
ecpgq22023investorpresen Second Quarter 2023 Investor Presentation Encore Capital Group, Inc. |
|
| August 2, 2023 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to. COMMISSION FILE NUMBER: 0 |
|
| August 2, 2023 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 August 2, 2023 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| August 2, 2023 |
Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 August 2, 2023 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| June 13, 2023 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 June 9, 2023 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| May 15, 2023 |
Encore Capital Group, Inc. Extends its Global Senior Facility Exhibit 99.1 Encore Capital Group, Inc. Extends its Global Senior Facility SAN DIEGO, May 15, 2023 - Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty finance company, today announced that it had amended its existing global senior secured revolving credit facility agreement to extend the termination date of the facility from September 2026 to September 2027. In addition, the si |
|
| May 15, 2023 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 May 11, 2023 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| May 15, 2023 |
From: Encore Capital Group, Inc. (the “Parent”) To: Truist Bank as Agent under the Facility Agreement (as defined below) (the “Agent”) The Lenders (as defined in the Facility Agreement) as at the date of this Amendment Letter (the “Lenders”) Date: 11 May 2023 AMENDMENT LETTER Dear Sir/Madam, 1. INTRODUCTION 1.1 We refer to the facility agreement dated 20 September 2012 between the Parent, the orig |
|
| May 3, 2023 |
Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 May 3, 2023 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| May 3, 2023 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 May 3, 2023 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| May 3, 2023 |
Encore Capital Group Announces First Quarter 2023 Financial Results Exhibit 99.1 Encore Capital Group Announces First Quarter 2023 Financial Results •Global collections of $462 million •Portfolio purchases of $276 million up 63%, including a quarterly record $213 million in the U.S. •Portfolio supply growth accelerating in U.S. market •GAAP EPS of $0.75 impacted by $0.19 per share charge related to headcount reductions in Europe SAN DIEGO, May 3, 2023 - Encore Cap |
|
| May 3, 2023 |
ecpgq12023earningscallsl First Quarter 2023 Investor Presentation Encore Capital Group, Inc. |
|
| May 3, 2023 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to. COMMISSION FILE NUMBER: |
|
| April 28, 2023 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary proxy statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Defin |
|
| April 28, 2023 |
Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary proxy statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14 |
|
| March 28, 2023 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 March 28, 2023 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| March 3, 2023 |
Encore Capital Group, Inc. Announces Proposed Convertible Senior Notes Offering Exhibit 99.1 Encore Capital Group, Inc. Announces Proposed Convertible Senior Notes Offering SAN DIEGO, February 28, 2023 (GLOBE NEWSWIRE) - Encore Capital Group, Inc. (Nasdaq: ECPG) (“Encore”) today announced its intention to offer, subject to market and other conditions, $175.0 million aggregate principal amount of convertible senior notes due 2029 (the “notes”) in a private offering to persons |
|
| March 3, 2023 |
Exhibit 4.1 Execution Version ENCORE CAPITAL GROUP, INC. as Issuer and TRUIST BANK, as Trustee INDENTURE Dated as of March 3, 2023 4.00% Convertible Senior Notes due 2029 TABLE OF CONTENTS ARTICLE I Definitions Section 1.01 Definitions Section 1.02 Rules of Construction ARTICLE II Issue, Description, Execution, Registration and Exchange of Notes Section 2.01 Designation and Amount Section 2.02 For |
|
| March 3, 2023 |
Form of Capped Call Confirmations for 2029 Convertible Notes Exhibit 10.1 [DEALER] [], 2023 To: Encore Capital Group, Inc. 350 Camino De La Reina, Suite 100 San Diego, CA 92108 Attention: [[] Telephone No.: []] Re: [Base][Additional] Call Option Transaction The purpose of this letter agreement (this “Confirmation”) is to confirm the terms and conditions of the call option transaction entered into between [DEALER] (“Dealer”) and Encore Capital Group, Inc. (“ |
|
| March 3, 2023 |
Encore Capital Group, Inc. Prices $200.0 Million Convertible Senior Notes Offering Exhibit 99.2 Encore Capital Group, Inc. Prices $200.0 Million Convertible Senior Notes Offering SAN DIEGO, February 28, 2023 (GLOBE NEWSWIRE) - Encore Capital Group, Inc. (Nasdaq: ECPG) (“Encore”) today announced the pricing of its offering of $200.0 million aggregate principal amount of 4.00% convertible senior notes due 2029 (the “notes”) in a private offering to persons reasonably believed to b |
|
| March 3, 2023 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 February 28, 2023 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| March 3, 2023 |
[Signature Page to Capped Call Unwind Agreement] Exhibit 10.2 CAPPED CALL EARLY UNWIND AGREEMENT dated as of February [28], 2023 between ENCORE CAPITAL GROUP, INC. and [BANK OF MONTREAL][CREDIT SUISSE INTERNATIONAL][BANK OF AMERICA, N.A.] THIS EARLY UNWIND AGREEMENT (this “Agreement”) with respect to the Capped Call Transactions (as defined below) is made as of February [28], 2023 between Encore Capital Group, Inc. (the “Company”) and [Bank of M |
|
| February 22, 2023 |
Exhibit 21 Subsidiaries of Encore Capital Group, Inc. As of December 31, 2022 Name Jurisdiction of Incorporation or Formation Asset Acceptance Capital LLC Delaware Asset Acceptance, LLC Delaware Atlantic Credit & Finance Special Finance Unit, LLC Virginia Atlantic Credit & Finance, Inc. Virginia Cabot Asset Purchases (Ireland) Limited Ireland Cabot Credit Management Group Limited United Kingdom Ca |
|
| February 22, 2023 |
Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 February 22, 2023 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| February 22, 2023 |
Encore Capital Group Announces Fourth Quarter and Full-Year 2022 Financial Results Exhibit 99.1 Encore Capital Group Announces Fourth Quarter and Full-Year 2022 Financial Results •GAAP net income of $195 million in 2022 •GAAP EPS of $7.46 in 2022 •Portfolio purchases up 20% to $801 million in 2022 •U.S. market for portfolio supply now growing SAN DIEGO, February 22, 2023 - Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty finance company, today reported conso |
|
| February 22, 2023 |
Exhibit 4.2.3 EXECUTION VERSION AMENDMENT NO. 3 Dated as of November 14, 2022 to FOURTH AMENDED AND RESTATED SENIOR SECURED NOTE PURCHASE AGREEMENT Dated as of September 1, 2020 THIS AMENDMENT NO. 3 (“Amendment”) is made as of November 14, 2022 by and among Encore Capital Group, Inc. (the “Company”) and the undersigned holders of Notes (the “Noteholders”). Reference is made to that certain Fourth |
|
| February 22, 2023 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER: 000- |
|
| February 22, 2023 |
Regulation FD Disclosure, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 February 22, 2023 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| February 22, 2023 |
EX-99.1 2 ecpgq42022investorpresen.htm EX-99.1 Fourth Quarter 2022 Investor Presentation Encore Capital Group, Inc. February 22, 2023 Exhibit 99.1 Encore Capital Group, Inc. 2 Legal Disclaimers The statements in this presentation that are not historical facts, including, most importantly, those statements preceded by, or that include, the words “will,” “may,” “believe,” “projects,” “expects,” “ant |
|
| February 22, 2023 |
List of Issuers of Guaranteed Securities Exhibit 22 List of Issuers of Guaranteed Securities As of December 31, 2022, the following subsidiary was the issuer of the 4.50% Exchangeable Senior Notes due 2023 guaranteed by Encore Capital Group, Inc. Name of Subsidiary Jurisdiction of Organization Encore Capital Europe Finance Limited Jersey |
|
| February 22, 2023 |
Exhibit 4.16.1 THIS FIRST SUPPLEMENTAL INDENTURE (this “Supplemental Indenture”), dated as of November 14, 2022, by and between ENCORE CAPITAL GROUP, INC. (the “Company”) and CITIBANK, N.A., LONDON BRANCH, as Trustee (the “Trustee”). W I T N E S S E T H WHEREAS, the Company and the Trustee are parties to an Indenture dated as of November 23, 2020 (the “Indenture”) providing for the issuance of £30 |
|
| February 22, 2023 |
Exhibit 4.15.1 THIS FIRST SUPPLEMENTAL INDENTURE (this “Supplemental Indenture”), dated as of November 14, 2022, by and between ENCORE CAPITAL GROUP, INC. (the “Company”) and CITIBANK, N.A., LONDON BRANCH, as Trustee (the “Trustee”). W I T N E S S E T H WHEREAS, the Company and the Trustee are parties to an Indenture dated as of September 24, 2020 (the “Indenture”) providing for the issuance of €3 |
|
| February 22, 2023 |
Exhibit 4.17.1 THIS FIRST SUPPLEMENTAL INDENTURE (this “Supplemental Indenture”), dated as of November 14, 2022, by and between ENCORE CAPITAL GROUP, INC. (the “Company”) and CITIBANK, N.A., LONDON BRANCH, as Trustee (the “Trustee”). W I T N E S S E T H WHEREAS, the Company and the Trustee are parties to an Indenture dated as of December 21, 2020 (the “Indenture”) providing for the issuance of €41 |
|
| February 22, 2023 |
Exhibit 10.19.1 From: Encore Capital Group, Inc. (the “Parent”) To: Truist Bank as Agent under the Facility Agreement (as defined below) (the “Agent”) The Lenders (as defined in the Facility Agreement) as at the date of this Letter (the “Lenders”) Date: 9 November 2022 AMENDMENT LETTER Dear Sir/Madam, 1.INTRODUCTION 1.1We refer to the facility agreement dated 20 September 2012 between the Parent, |
|
| February 22, 2023 |
Exhibit 4.18.1 THIS FIRST SUPPLEMENTAL INDENTURE (this “Supplemental Indenture”), dated as of November 14, 2022, by and between ENCORE CAPITAL GROUP, INC. (the “Company”) and GLAS TRUST COMPANY LLC, as Trustee (the “Trustee”). W I T N E S S E T H WHEREAS, the Company and the Trustee are parties to an Indenture dated as of June 1, 2021 (the “Indenture”) providing for the issuance of £250,000,000 4. |
|
| February 14, 2023 |
SC 13G/A 1 sc13ga-ecpg.htm ECPG 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No: 9) Encore Capital Group, Inc. (Name of Issuer) Common Stock, $.01 par value (Title of Class of Securities) 292554102 (CUSIP Number) December 31, 2022 (Date of Event Which Requires Filing of this Statement) Check the appr |
|
| February 14, 2023 |
ECPG / Encore Capital Group, Inc. / Turtle Creek Asset Management Inc. - SC 13G/A Passive Investment SC 13G/A 1 brhc10047673sc13ga.htm SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1)* ENCORE CAPITAL GROUP, INC. (Name of Issuer) Common Stock (Title of Class of Securities) 292554102 (CUSIP Number) December 31, 2022 (Date of Event which Requires Filing of this Statement) Check the appropriate bo |
|
| February 10, 2023 |
SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 4 )* Encore Capital Group Inc (Name of Issuer) Common Stock (Title of Class of Securities) 292554102 (CUSIP Number) December 30, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate b |
|
| February 9, 2023 |
ECPG / Encore Capital Group, Inc. / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment SC 13G/A 1 tv0816-encorecapitalgroupinc.htm SCHEDULE 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 11)* Name of issuer: Encore Capital Group Inc. Title of Class of Securities: Common Stock CUSIP Number: 292554102 Date of Event Which Requires Filing of this Statement: December 30, 2022 Check the appropriate box |
|
| December 16, 2022 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 December 13, 2022 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| December 16, 2022 |
Exhibit 3.2 AMENDED AND RESTATED BYLAWS OF ENCORE CAPITAL GROUP, INC. As amended through February 8December 13, 201122 I. REFERENCES TO CERTAIN TERMS AND CONSTRUCTION 1.01. Certain References. Any reference herein made to law will be deemed to refer to the law of the State of Delaware, including any applicable provision of Chapter 1 of Title 8 of the Delaware Code, or any successor statutes, as fr |
|
| December 16, 2022 |
Exhibit 3.1 AMENDED AND RESTATED BYLAWS OF ENCORE CAPITAL GROUP, INC. As amended through December 13, 2022 I. REFERENCES TO CERTAIN TERMS AND CONSTRUCTION 1.01. Certain References. Any reference herein made to law will be deemed to refer to the law of the State of Delaware, including any applicable provision of Chapter 1 of Title 8 of the Delaware Code, or any successor statutes, as from time to t |
|
| December 7, 2022 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K/A CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 October 4, 2022 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| November 2, 2022 |
, 2022, between Encore Capital Group, Inc. and Craig Buick Exhibit 10.1 November 1, 2022 Craig Buick #### # ## ########## ####### London NW3 5TE UK Dear Craig Re: Executive Separation Benefits Further to our recent discussions, we are writing to confirm that we are aligning your separation benefits with the Encore Capital Group, Inc (“Encore”)’s Executive Separation Plan (the “Plan”) as much as possible, taking into account the differences between US and |
|
| November 2, 2022 |
ecpgq32022earningscallsl Third Quarter 2022 Financial Results Encore Capital Group, Inc. |
|
| November 2, 2022 |
Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 November 2, 2022 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| November 2, 2022 |
Encore Capital Group Announces Third Quarter 2022 Financial Results Exhibit 99.1 Encore Capital Group Announces Third Quarter 2022 Financial Results •GAAP net income of $31 million •GAAP EPS of $1.22 •Global collections of $458 million •Portfolio purchases of $233 million SAN DIEGO, November 2, 2022 - Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty finance company, today reported consolidated financial results for the third quarter ended Sept |
|
| November 2, 2022 |
Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 November 2, 2022 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| November 2, 2022 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to. COMMISSION FILE NUMB |
|
| October 5, 2022 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 October 4, 2022 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| August 30, 2022 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 August 29, 2022 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| August 30, 2022 |
William C. Goings Appointed to Encore Capital Group Board of Directors EX-99.1 2 a20220901ex991-pressreleas.htm EX-99.1 Exhibit 99.1 William C. Goings Appointed to Encore Capital Group Board of Directors SAN DIEGO, August 30, 2022 - Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty finance company, announced today that William C. Goings has been appointed to Encore's Board of Directors effective September 1, 2022. Mr. Goings will serve on Encore’s |
|
| August 3, 2022 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to. COMMISSION FILE NUMBER: 0 |
|
| August 3, 2022 |
Second Quarter 2022 Financial Results Encore Capital Group, Inc. August 3, 2022 Exhibit 99.1 Encore Capital Group, Inc. 2 Legal Disclaimers The statements in this presentation that are not historical facts, including, most importantly, those statements preceded by, or that include, the words ?will,? ?may,? ?believe,? ?projects,? ?expects,? ?anticipates? or the negation thereof, or similar expressi |
|
| August 3, 2022 |
Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 August 3, 2022 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| August 3, 2022 |
Encore Capital Group Announces Second Quarter 2022 Financial Results Exhibit 99.1 Encore Capital Group Announces Second Quarter 2022 Financial Results •GAAP net income of $60 million •GAAP EPS of $2.29 •Global collections of $498 million •Portfolio purchases of $173 million at attractive returns SAN DIEGO, August 3, 2022 - Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty finance company, today reported consolidated financial results for the sec |
|
| August 3, 2022 |
Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 August 3, 2022 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| August 3, 2022 |
Non-Employee Director Compensation Program Guidelines, effective June Exhibit 10.1 Exhibit 10.1 ENCORE CAPITAL GROUP, INC. NON-EMPLOYEE DIRECTOR COMPENSATION PROGRAM GUIDELINES Approved by the Board of Directors effective on June 10, 2022 ENCORE CAPITAL GROUP, INC. NON-EMPLOYEE DIRECTOR COMPENSATION PROGRAM GUIDELINES Table of Contents Section 1 Definitions Section 2 Purpose of Guidelines Section 3 Term of Guidelines; Amendment and Termination of Guidelines Section |
|
| June 23, 2022 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 June 23, 2022 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| June 23, 2022 |
Andrew Asch Appointed General Counsel at Encore Capital Group Exhibit 99.1 Andrew Asch Appointed General Counsel at Encore Capital Group SAN DIEGO, June 23, 2022 ? Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty finance company, today announced that Andrew Asch will be promoted to the role of Senior Vice President, General Counsel effective August 15, 2022. Asch has been with the company since 2010 and currently serves as Senior Vice Pr |
|
| June 15, 2022 |
Submission of Matters to a Vote of Security Holders UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 June 10, 2022 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| May 4, 2022 |
First Quarter 2022 Financial Results Encore Capital Group, Inc. May 4, 2022 Exhibit 99.1 Encore Capital Group, Inc. 2 Legal Disclaimers The statements in this presentation that are not historical facts, including, most importantly, those statements preceded by, or that include, the words ?will,? ?may,? ?believe,? ?projects,? ?expects,? ?anticipates? or the negation thereof, or similar expressions, |
|
| May 4, 2022 |
Encore Capital Group Announces First Quarter 2022 Financial Results Exhibit 99.1 Encore Capital Group Announces First Quarter 2022 Financial Results ?GAAP net income of $176 million, 86% higher than Q1 2021 ?GAAP EPS of $6.40, 115% higher than Q1 2021 ?Better-than-expected collections of $519 million leads to increased collection expectations SAN DIEGO, May 4, 2022 - Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty finance company, today repor |
|
| May 4, 2022 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to. COMMISSION FILE NUMBER: |
|
| May 4, 2022 |
Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 May 4, 2022 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| May 4, 2022 |
Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 May 4, 2022 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| April 29, 2022 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary proxy statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Defin |
|
| April 29, 2022 |
DEF 14A 1 ecpg-20220429xdef14a.htm DEF 14A Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary proxy statement ☐ Confidential, for Use of t |
|
| April 7, 2022 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 April 6, 2022 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| April 1, 2022 |
Exhibit 10.1 SENIOR FACILITIES AGREEMENT RELATING TO A $1,140,000,000 COMMITTED REVOLVING FACILITY dated 20 SEPTEMBER 2012 AS AMENDED BY AN AMENDMENT LETTER DATED 25 APRIL 2013, AS AMENDED AND RESTATED BY AN AMENDMENT AND RESTATEMENT AGREEMENT DATED 28 JUNE 2013, AS AMENDED BY AN AMENDMENT AGREEMENT DATED 25 JULY 2014, AS AMENDED AND RESTATED BY AN AMENDMENT AND RESTATEMENT AGREEMENT DATED 5 FEBRU |
|
| April 1, 2022 |
Encore Capital Group, Inc. Amends and Extends its Global Senior Facility Exhibit 99.1 Encore Capital Group, Inc. Amends and Extends its Global Senior Facility SAN DIEGO, March 31, 2022 - Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty finance company, today announced that it had amended and restated its existing global senior secured revolving credit facility agreement to, among other things, increase the size of the facility by $90 million to $1. |
|
| April 1, 2022 |
Exhibit 10.2 EXECUTION VERSION AMENDMENT NO. 2 Dated as of March 30, 2022 to FOURTH AMENDED AND RESTATED SENIOR SECURED NOTE PURCHASE AGREEMENT Dated as of September 1, 2020 THIS AMENDMENT NO. 2 (?Amendment?) is made as of March 30, 2022 by and among Encore Capital Group, Inc. (the ?Company?) and the undersigned holders of Notes (the ?Noteholders?). Reference is made to that certain Fourth Amended |
|
| April 1, 2022 |
Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 March 29, 2022 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| February 23, 2022 |
List of Issuers of Guaranteed Securities Exhibit 22 List of Issuers of Guaranteed Securities As of December 31, 2021, the following subsidiary was the issuer of the 4.50% Exchangeable Senior Notes due 2023 guaranteed by Encore Capital Group, Inc. Name of Subsidiary Jurisdiction of Organization Encore Capital Europe Finance Limited Jersey |
|
| February 23, 2022 |
Encore Capital Group Announces Fourth Quarter and Full-Year 2021 Financial Results Exhibit 99.1 Encore Capital Group Announces Fourth Quarter and Full-Year 2021 Financial Results ?Encore delivers records for collections, earnings and returns for the year ?GAAP net income of $351 million in 2021, up 66% ?GAAP EPS of $11.26 in 2021, up 69% ?Share repurchases of $390 million in 2021 represented 23% of shares outstanding a year ago SAN DIEGO, February 23, 2022 - Encore Capital Group |
|
| February 23, 2022 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K (Mark One) ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER: 000- |
|
| February 23, 2022 |
ENCORE CAPITAL GROUP, INC. 2017 INCENTIVE AWARD PLAN PERFORMANCE SHARE UNIT AWARD GRANT NOTICE (ROIC) Encore Capital Group, Inc. (the ?Company?) has granted to the participant listed below (?Participant?) a Performance Share Unit award (the ?PSUs? or the ?Award?) described in this Performance Share Unit Award Grant Notice (the ?Grant Notice?), subject to the terms and conditions of the 2017 Incent |
|
| February 23, 2022 |
Fourth Quarter 2021 Financial Results Encore Capital Group, Inc. February 23, 2022 Exhibit 99.1 Encore Capital Group, Inc. 2 Legal Disclaimers The statements in this presentation that are not historical facts, including, most importantly, those statements preceded by, or that include, the words ?will,? ?may,? ?believe,? ?projects,? ?expects,? ?anticipates? or the negation thereof, or similar expre |
|
| February 23, 2022 |
Encore Capital Group, Inc. Executive Separation Plan ENCORE CAPITAL GROUP, INC. EXECUTIVE SEPARATION PLAN As Adopted Effective November 4, 2014 and Amended Effective January 1, 2022 ENCORE CAPITAL GROUP, INC. EXECUTIVE SEPARATION PLAN Table of Contents Section 1 Definitions Section 2 Purpose of Plan Section 3 Eligibility and Participation Section 4 Administration Section 5 Separation Due to Death Section 6 Separation Due to Disability Section 7 Sepa |
|
| February 23, 2022 |
Exhibit 21 Subsidiaries of Encore Capital Group, Inc. As of December 31, 2021 Name Jurisdiction of Incorporation or Formation Apex Credit Management Limited United Kingdom Asset Acceptance Capital Corp. Delaware Asset Acceptance, LLC Delaware Atlantic Credit & Finance Special Finance Unit, LLC Virginia Atlantic Credit & Finance, Inc. Virginia Black Tip Capital Holdings Limited United Kingdom Cabot |
|
| February 23, 2022 |
Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 February 23, 2022 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| February 23, 2022 |
Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 February 23, 2022 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| February 14, 2022 |
SC 13G/A 1 sc13ga-ecpg.htm ECPG 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No: 8) Encore Capital Group, Inc. (Name of Issuer) Common Stock, $.01 par value (Title of Class of Securities) 292554102 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appr |
|
| February 14, 2022 |
ECPG / Encore Capital Group, Inc. / Turtle Creek Asset Management Inc. - SC 13G Passive Investment UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* ENCORE CAPITAL GROUP, INC. (Name of Issuer) Common Stock (Title of Class of Securities) 292554102 (CUSIP Number) December 31, 2021 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which th |
|
| February 10, 2022 |
ECPG / Encore Capital Group, Inc. / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 10)* Name of issuer: Encore Capital Group Inc. Title of Class of Securities: Common Stock CUSIP Number: 292554102 Date of Event Which Requires Filing of this Statement: December 31, 2021 Check the appropriate box to designate the rule pursuant to which this Schedule is f |
|
| February 8, 2022 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 3 )* Encore Capital Group Inc (Name of Issuer) Common Stock (Title of Class of Securities) 292554102 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which th |
|
| December 9, 2021 |
Encore Capital Group Announces Final Results of Tender Offer Exhibit (a)(5)(D) Encore Capital Group Announces Final Results of Tender Offer SAN DIEGO?December 9, 2021?Encore Capital Group, Inc. |
|
| December 9, 2021 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE TO-I/A (Amendment No. 2) Tender Offer Statement under Section 14(d)(1) or 13(e)(1) of the Securities Exchange Act of 1934 ENCORE CAPITAL GROUP, INC. (Name of Subject Company (Issuer) and Filing Person (Offeror)) Common Stock, par value $0.01 per share (Title of Class of Securities) 292554102 (CUSIP Number of Class of |
|
| December 3, 2021 |
SC TO-I/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE TO-I/A (Amendment No. 1) Tender Offer Statement under Section 14(d)(1) or 13(e)(1) of the Securities Exchange Act of 1934 ENCORE CAPITAL GROUP, INC. (Name of Subject Company (Issuer) and Filing Person (Offeror)) Common Stock, par value $0.01 per share (Title of Class of Securities) 292554102 (CUSIP Number of |
|
| December 3, 2021 |
Encore Capital Group Announces Preliminary Results of Tender Offer Exhibit (a)(5)(C) Encore Capital Group Announces Preliminary Results of Tender Offer SAN DIEGO?December 3, 2021?Encore Capital Group, Inc. |
|
| November 17, 2021 |
EX-10.1 2 exhibit101seniorfacilityag.htm EX-10.1 Exhibit 10.1 EXECUTION VERSION DATED 23 AUGUST 2017 as amended and restated pursuant to amendment and restatement agreements dated 12 June 2018 and 14 February 2020 and further amended and restated pursuant to an amendment and restatement agreement dated 12 November 2021 (1) CABOT SECURITISATION UK LIMITED as Purchaser and Borrower (2) CABOT SECURIT |
|
| November 17, 2021 |
Entry into a Material Definitive Agreement, Financial Statements and Exhibits UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 November 12, 2021 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| November 4, 2021 |
Exhibit (a)(1)(C) NOTICE OF GUARANTEED DELIVERY (Not to be used for Signature Guarantee) for Tender of Shares of Common Stock of ENCORE CAPITAL GROUP, INC. |
|
| November 4, 2021 |
Exhibit (a)(1)(D) ENCORE CAPITAL GROUP, INC. Offer to Purchase for Cash Up to $300,000,000 of Shares of its Common Stock At a Purchase Price Not Less Than $52.00 Per Share and Not More Than $60.00 per Share THE OFFER, PRORATION PERIOD AND WITHDRAWAL RIGHTS WILL EXPIRE ONE MINUTE AFTER 11:59 P.M. (NEW YORK CITY TIME) ON DECEMBER 2, 2021, UNLESS THE OFFER IS EXTENDED (SUCH DATE AND TIME, AS IT MAY B |
|
| November 4, 2021 |
Exhibit (a)(5)(A) Encore Capital Group Commences Previously Announced Tender Offer to Purchase up to $300 Million of Shares of its Common Stock SAN DIEGO?November 4, 2021?Encore Capital Group, Inc. |
|
| November 4, 2021 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE TO Tender Offer Statement under Section 14(d)(1) or 13(e)(1) of the Securities Exchange Act of 1934 ENCORE CAPITAL GROUP, INC. (Name of Subject Company (Issuer) and Filing Person (Offeror)) Common Stock, par value $0.01 per share (Title of Class of Securities) 292554102 (CUSIP Number of Class of Securities) Jonathan C |
|
| November 4, 2021 |
Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 4, 2021 Encore Capital Group, Inc. (Exact name of registrant as specified in its charter) Delaware 000-26489 48-1090909 (State or other jurisdiction of incorporation) (Commis |
|
| November 4, 2021 |
Exhibit (a)(1)(B) LETTER OF TRANSMITTAL TO TENDER SHARES OF COMMON STOCK OF ENCORE CAPITAL GROUP, INC. |
|
| November 4, 2021 |
Exhibit (a)(1)(E) ENCORE CAPITAL GROUP, INC. Offer to Purchase for Cash Up to $300,000,000 of Shares of its Common Stock At a Purchase Price Not Less Than $52.00 Per Share and Not More Than $60.00 per Share THE OFFER, PRORATION PERIOD AND WITHDRAWAL RIGHTS WILL EXPIRE ONE MINUTE AFTER 11:59 P.M. (NEW YORK CITY TIME) ON DECEMBER 2, 2021, UNLESS THE OFFER IS EXTENDED (SUCH DATE AND TIME, AS IT MAY B |
|
| November 4, 2021 |
Exhibit (a)(1)(F) This announcement is neither an offer to purchase nor a solicitation of an offer to sell shares of common stock of Encore Capital Group, Inc. |
|
| November 4, 2021 |
Exhibit 99.1 Encore Capital Group Commences Previously Announced Tender Offer to Purchase up to $300 Million of Shares of its Common Stock SAN DIEGO?November 4, 2021?Encore Capital Group, Inc. (NASDAQ: ECPG) (?Encore?), today announced that it has commenced the previously announced modified ?Dutch auction? tender offer to purchase with cash up to $300 million of shares of its common stock, at a pr |
|
| November 4, 2021 |
Table of Contents Exhibit (a)(1)(A) Encore Capital Group, Inc. Offer to Purchase for Cash Shares of Common Stock for an Aggregate Purchase Consideration of no More Than $300 Million At a Purchase Price Not Less Than $52.00 Per Share and Not More Than $60.00 per Share THE OFFER, PRORATION PERIOD AND WITHDRAWAL RIGHTS WILL EXPIRE ONE MINUTE AFTER 11:59 P.M. (NEW YORK CITY TIME) ON DECEMBER 2, 2021, |
|
| November 3, 2021 |
Encore Capital Group Announces Third Quarter 2021 Financial Results Exhibit 99.1 Encore Capital Group Announces Third Quarter 2021 Financial Results ?Collections of $567 million ?GAAP EPS of $2.66 ?Share repurchases of $41 million in Q3 2021 and $88 million YTD through three quarters ?Launching $300 million tender offer for Encore common shares on November 4 SAN DIEGO, November 3, 2021 - Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty finance |
|
| November 3, 2021 |
EX-10.2 2 exhibit102-amendmentno1tof.htm EX-10.2 Exhibit 10.2 Execution Version AMENDMENT NO. 1 Dated as of August 17, 2021 to FOURTH AMENDED AND RESTATED SENIOR SECURED NOTE PURCHASE AGREEMENT Dated as of September 1, 2020 THIS AMENDMENT NO. 1 (“Amendment”) is made as of August 17, 2021 by and among Encore Capital Group, Inc. (the “Company”) and the undersigned holders of Notes (the “Noteholders” |
|
| November 3, 2021 |
Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 November 3, 2021 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| November 3, 2021 |
Third Quarter 2021 Financial Results Encore Capital Group, Inc. November 3, 2021 Exhibit 99.1 Encore Capital Group, Inc. 2 Legal Disclaimers The statements in this presentation that are not historical facts, including, most importantly, those statements preceded by, or that include, the words ?will,? ?may,? ?believe,? ?projects,? ?expects,? ?anticipates? or the negation thereof, or similar express |
|
| November 3, 2021 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to. COMMISSION FILE NUMB |
|
| November 3, 2021 |
Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 November 3, 2021 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| August 11, 2021 |
Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 August 5, 2021 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| August 11, 2021 |
Exhibit 10.1 AMENDMENT AND RESTATEMENT AGREEMENT RELATING TO A SENIOR FACILITIES AGREEMENT ORIGINALLY DATED 20 SEPTEMBER 2012 AS AMENDED BY AN AMENDMENT LETTER DATED 25 APRIL 2013, AS AMENDED AND RESTATED BY AN AMENDMENT AND RESTATEMENT AGREEMENT DATED 28 JUNE 2013, AS AMENDED BY AN AMENDMENT AGREEMENT DATED 25 JULY 2014, AS AMENDED AND RESTATED BY AN AMENDMENT AND RESTATEMENT AGREEMENT DATED 5 FE |
|
| August 11, 2021 |
Encore Capital Group, Inc. Amends and Extends its Global Senior Facility Exhibit 99.1 Encore Capital Group, Inc. Amends and Extends its Global Senior Facility SAN DIEGO, August 11, 2021 - Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty finance company, today announced that it had amended and restated its existing global senior secured revolving credit facility agreement to, among other things, reduce the LIBOR and EURIBOR floors from 0.75% to 0.00 |
|
| August 4, 2021 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to. COMMISSION FILE NUMBER: 0 |
|
| August 4, 2021 |
Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 August 4, 2021 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| August 4, 2021 |
Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 August 4, 2021 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| August 4, 2021 |
Second Quarter 2021 Financial Results Encore Capital Group, Inc. August 4, 2021 Exhibit 99.1 Encore Capital Group, Inc. 2 Cautionary Note about Forward-Looking Statements The statements in this presentation that are not historical facts, including, most importantly, those statements preceded by, or that include, the words ?will,? ?may,? ?believe,? ?projects,? ?expects,? ?anticipates? or the negati |
|
| August 4, 2021 |
Encore Capital Group Announces Second Quarter 2021 Financial Results Exhibit 99.1 Encore Capital Group Announces Second Quarter 2021 Financial Results ?Record collections of $612 million ?GAAP net income of $97 million ?GAAP EPS of $3.07 ?Leverage of 1.9x, down from 2.4x a year ago ?Share repurchases of $27M in Q2 2021 SAN DIEGO, August 4, 2021 - Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty finance company, today reported consolidated finan |
|
| June 14, 2021 |
Submission of Matters to a Vote of Security Holders UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 June 11, 2021 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| June 1, 2021 |
Exhibit 4.1 ENCORE CAPITAL GROUP, INC., as the Company THE GUARANTORS PARTIES HERETO, ?250,000,000 of 4.250% Senior Secured Notes due 2028 INDENTURE JUNE 1, 2021 GLAS TRUST COMPANY LLC, as Trustee GLAS TRUST COMPANY LLC, as Principal Paying Agent and Transfer Agent GLAS TRUST COMPANY LLC, as Registrar TRUIST BANK, as Security Agent TABLE OF CONTENTS Page Article I Definitions and Incorporation by |
|
| June 1, 2021 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 June 1, 2021 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| June 1, 2021 |
Encore Capital Group Completes Offering of Senior Secured Notes Exhibit 99.1 Encore Capital Group Completes Offering of Senior Secured Notes SAN DIEGO, June 1, 2021 - Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty finance company, today announced that it has completed its offering of ?250 million aggregate principal amount of 4.25% senior secured notes due 2028. Encore used the proceeds from the offering to redeem in full the outstanding |
|
| May 18, 2021 |
Encore Capital Group, Inc. Announces Pricing of Senior Secured Notes Offering Exhibit 99.1 Encore Capital Group, Inc. Announces Pricing of Senior Secured Notes Offering SAN DIEGO, May 18, 2021 (GLOBE NEWSWIRE) - Encore Capital Group, Inc. (Nasdaq: ECPG) (the ?Company?) today announced the pricing of its offering of ?250.0 million aggregate principal amount of 4.250% senior secured notes due 2028 (the ?notes?) in a private offering to qualified institutional buyers pursuant |
|
| May 18, 2021 |
Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 May 18, 2021 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| May 17, 2021 |
Encore Capital Group, Inc. Announces Proposed Senior Secured Notes Offering Exhibit 99.1 Encore Capital Group, Inc. Announces Proposed Senior Secured Notes Offering SAN DIEGO, May 17, 2021 (GLOBE NEWSWIRE) - Encore Capital Group, Inc. (Nasdaq: ECPG) (the ?Company?) today announced its intention to offer, subject to market and other conditions, ?250.0 million aggregate principal amount of senior secured notes due 2028 (the ?notes?) in a private offering to qualified instit |
|
| May 17, 2021 |
Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 May 17, 2021 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| May 5, 2021 |
Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to. COMMISSION FILE NUMBER: |
|
| May 5, 2021 |
Encore Capital Group Announces First Quarter 2021 Financial Results Exhibit 99.1 Encore Capital Group Announces First Quarter 2021 Financial Results ?Record collections of $606 million ?GAAP net income of $95 million ?GAAP EPS of $2.97 ?Leverage reduction continued, down to 2.1x from 2.6x a year ago ?Share repurchases of $20M in Q1 2021 SAN DIEGO, May 5, 2021 - Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty finance company, today reported co |
|
| May 5, 2021 |
Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 May 5, 2021 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| May 5, 2021 |
Encore Capital Group, Inc. Q1 2021 EARNINGS CALL 2 CAUTIONARY NOTE ABOUT FORWARD-LOOKING STATEMENTS The statements in this presentation that are not historical facts, including, most importantly, those statements preceded by, or that include, the words ion thereof, or similar eaning of the Private Securities Litigation Reform Act of 1995 (the are not limited to, statements regarding our future ope |
|
| May 5, 2021 |
Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 May 5, 2021 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| April 29, 2021 |
Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary proxy statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e |
|
| April 29, 2021 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ? Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary proxy statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Definitive |
|
| February 24, 2021 |
Exhibit 21 Subsidiaries of Encore Capital Group, Inc. As of December 31, 2020 Name Jurisdiction of Incorporation or Formation Apex Credit Management Limited United Kingdom Asset Acceptance Capital Corp. Delaware Asset Acceptance, LLC Delaware Atlantic Credit & Finance Special Finance Unit III, LLC Virginia Atlantic Credit & Finance Special Finance Unit, LLC Virginia Atlantic Credit & Finance, Inc. |
|
| February 24, 2021 |
Encore Capital Group, Inc. Q4 2020 EARNINGS CALL ([KLELW 2 CAUTIONARY NOTE ABOUT FORWARD-LOOKING STATEMENTS The statements in this presentation that are not historical facts, including, most importantly, those statements preceded by, or that include, the words ?will,? ?may,? ?believe,? ?projects,? ?expects,? ?anticipates? or the negation thereof, or similar expressions, constitute ?forward-lo |
|
| February 24, 2021 |
List of Issuers of Guaranteed Securities Exhibit 22 List of Issuers of Guaranteed Securities As of December 31, 2020, the following subsidiary was the issuer of the 4.50% Exchangeable Senior Notes due 2023 guaranteed by Encore Capital Group, Inc. Name of Subsidiary Jurisdiction of Organization Encore Capital Europe Finance Limited Jersey |
|
| February 24, 2021 |
Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K (Mark One) ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER: 000- |
|
| February 24, 2021 |
Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 February 24, 2021 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| February 24, 2021 |
Encore Capital Group Announces Fourth Quarter and Full-Year 2020 Financial Results EX-99.1 2 ex991ecpgq42020earningspre.htm EX-99.1 Exhibit 99.1 Encore Capital Group Announces Fourth Quarter and Full-Year 2020 Financial Results •Encore delivers records for collections, revenues and earnings for the year •GAAP net income of $212 million in 2020, up 26% •GAAP EPS of $6.68 in 2020, up 25% •New global funding structure already delivering benefits, including lower cost of funds •Leve |
|
| February 24, 2021 |
Financial Statements and Exhibits, Results of Operations and Financial Condition UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 February 24, 2021 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| February 16, 2021 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G/A Under the Securities Exchange Act of 1934 (Amendment No: 7) Encore Capital Group, Inc. |
|
| February 12, 2021 |
ENCORE CAPITAL GROUP INC UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. |
|
| February 12, 2021 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2 )* Encore Capital Group Inc (Name of Issuer) Common Stock (Title of Class of Securities) 292554102 (CUSIP Number) December 31, 2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which th |
|
| February 10, 2021 |
SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 9)* Name of issuer: Encore Capital Group Inc. Title of Class of Securities: Common Stock CUSIP Number: 292554102 Date of Event Which Requires Filing of this Statement: December 31, 2020 Check the appropriate box to designate the rule pursuant to which this Schedule is fi |
|
| December 21, 2020 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 December 21, 2020 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| December 21, 2020 |
Exhibit 4.1 ENCORE CAPITAL GROUP, INC., as the Company THE GUARANTORS PARTIES HERETO, €415,000,000 of Senior Secured Floating Rate Notes due 2028 INDENTURE DECEMBER 21, 2020 CITIBANK, N.A., LONDON BRANCH, as Trustee CITIBANK, N.A., LONDON BRANCH, as Principal Paying Agent, Calculation Agent and Transfer Agent CITIGROUP GLOBAL MARKETS EUROPE AG, as Registrar TRUIST BANK, as Security Agent TABLE OF |
|
| December 21, 2020 |
Encore Capital Group Completes Upsized Offering of Senior Secured Floating Rate Notes Exhibit 99.1 Encore Capital Group Completes Upsized Offering of Senior Secured Floating Rate Notes SAN DIEGO, December 21, 2020 - Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty finance company, today announced that it has completed its offering of €415.0 million (upsized from €275.0 million) aggregate principal amount of senior secured floating rate notes due 2028 with a cou |
|
| December 10, 2020 |
ECPG / Encore Capital Group, Inc. / Invesco Ltd. - SEC SCHEDULE 13G Passive Investment UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 8 )* Encore Capital Group Inc (Name of Issuer) Common Stock (Title of Class of Securities) 292554102 (CUSIP Number) November 30, 2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which th |
|
| December 8, 2020 |
Encore Capital Group, Inc. Announces Pricing of Upsized Senior Secured Floating Rate Notes Offering Exhibit 99.1 Encore Capital Group, Inc. Announces Pricing of Upsized Senior Secured Floating Rate Notes Offering SAN DIEGO, December 8, 2020 (GLOBE NEWSWIRE) - Encore Capital Group, Inc. (Nasdaq: ECPG) (the “Company”) today announced the pricing of its offering of €415.0 million aggregate principal amount of senior secured floating rate notes due 2028 (the “notes”) with a coupon of three-month EUR |
|
| December 8, 2020 |
Financial Statements and Exhibits, Other Events - 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 December 8, 2020 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| December 7, 2020 |
Encore Capital Group, Inc. Announces Proposed Senior Secured Floating Rate Notes Offering Exhibit 99.1 Encore Capital Group, Inc. Announces Proposed Senior Secured Floating Rate Notes Offering SAN DIEGO, December 7, 2020 (GLOBE NEWSWIRE) - Encore Capital Group, Inc. (Nasdaq: ECPG) (the “Company”) today announced its intention to offer, subject to market and other conditions, €275.0 million aggregate principal amount of senior secured floating rate notes due 2027 (the “notes”) in a priv |
|
| December 7, 2020 |
Financial Statements and Exhibits, Other Events - 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 December 7, 2020 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| November 23, 2020 |
Encore Capital Group Completes Upsized Offering of Senior Secured Notes Exhibit 99.1 Encore Capital Group Completes Upsized Offering of Senior Secured Notes SAN DIEGO, November 23, 2020 - Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty finance company, today announced that it has completed its offering of £300.0 million aggregate principal amount of 5.375% senior secured notes due 2026, which was upsized by £50.0 million from £250.0 million. Enco |
|
| November 23, 2020 |
UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 November 23, 2020 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| November 23, 2020 |
Exhibit 4.1 ENCORE CAPITAL GROUP, INC., as the Company THE GUARANTORS PARTIES HERETO, £300,000,000 of 5.375% Senior Secured Notes due 2026 INDENTURE NOVEMBER 23, 2020 CITIBANK, N.A., LONDON BRANCH, as Trustee CITIBANK, N.A., LONDON BRANCH, as Principal Paying Agent and Transfer Agent CITIGROUP GLOBAL MARKETS EUROPE AG, as Registrar TRUIST BANK, as Security Agent TABLE OF CONTENTS Page Article I De |
|
| November 12, 2020 |
Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 November 11, 2020 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| November 12, 2020 |
Financial Statements and Exhibits, Other Events UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 November 12, 2020 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| November 12, 2020 |
Encore Capital Group, Inc. Announces Proposed Senior Secured Notes Offering Exhibit 99.1 Encore Capital Group, Inc. Announces Proposed Senior Secured Notes Offering SAN DIEGO, November 11, 2020 (GLOBE NEWSWIRE) - Encore Capital Group, Inc. (Nasdaq: ECPG) (the ?Company?) today announced its intention to offer, subject to market and other conditions, ?250.0 million aggregate principal amount of senior secured notes due 2026 (the ?notes?) in a private offering to qualified i |
|
| November 12, 2020 |
Encore Capital Group, Inc. Announces Pricing of Upsized Senior Secured Notes Offering Exhibit 99.1 Encore Capital Group, Inc. Announces Pricing of Upsized Senior Secured Notes Offering SAN DIEGO, November 12, 2020 (GLOBE NEWSWIRE) - Encore Capital Group, Inc. (Nasdaq: ECPG) (the ?Company?) today announced the pricing of its offering of ?300.0 million aggregate principal amount of 5.375% senior secured notes due 2026 (the ?notes?), which was upsized by ?50.0 million from ?250.0 mill |
|
| November 2, 2020 |
Financial Statements and Exhibits, Results of Operations and Financial Condition - 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 November 2, 2020 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| November 2, 2020 |
ecpgq32020earningscallsl Exhibit 99.1 Encore Capital Group, Inc. Q3 2020 EARNINGS CALL CAUTIONARY NOTE ABOUT FORWARD-LOOKING STATEMENTS The statements in this presentation that are not performance or achievements of the Company and historical facts, including, most importantly, those its subsidiaries to be materially different from any statements preceded by, or that include, the words future resu |
|
| November 2, 2020 |
Exhibit 4.7 ENCORE CAPITAL GROUP, INC., THE GUARANTOR PARTY HERETO and MUFG UNION BANK, N.A. as Trustee FIRST SUPPLEMENTAL INDENTURE Dated as of October 29, 2020 Supplementing the INDENTURE Dated as of September 9, 2019 3.25% Convertible Senior Notes due 2025 FIRST SUPPLEMENTAL INDENTURE (this “Supplemental Indenture”), dated as of October 29, 2020, among Encore Capital Group, Inc., a Delaware cor |
|
| November 2, 2020 |
Financial Statements and Exhibits, Results of Operations and Financial Condition - 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 November 2, 2020 Date of report (Date of earliest event reported) ENCORE CAPITAL GROUP, INC. |
|
| November 2, 2020 |
Encore Capital Group Announces Third Quarter 2020 Financial Results Exhibit 99.1 Encore Capital Group Announces Third Quarter 2020 Financial Results •GAAP net income up 41% to $55 million, or $1.72 per share •Non-GAAP adjusted net income up 42% to $74 million, or $2.31 per share •Global collections grew 8% to a record $540 million •Estimated Remaining Collections (ERC) grew 15% to a record $8.5 billion SAN DIEGO, November 2, 2020 - Encore Capital Group, Inc. (NASD |
|
| November 2, 2020 |
Exhibit 4.4 ENCORE CAPITAL GROUP, INC., THE GUARANTOR PARTY HERETO and MUFG UNION BANK, N.A. as Trustee SECOND SUPPLEMENTAL INDENTURE Dated as of October 29, 2020 Supplementing the INDENTURE Dated as of March 11, 2014 2.875% Convertible Senior Notes due 2021 SECOND SUPPLEMENTAL INDENTURE (this “Supplemental Indenture”), dated as of October 29, 2020, among Encore Capital Group, Inc., a Delaware cor |
|
| November 2, 2020 |
Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to. COMMISSION FILE NUMB |
|
| November 2, 2020 |
Exhibit 4.6 ENCORE CAPITAL EUROPE FINANCE LIMITED, THE GUARANTOR PARTY HERETO and MUFG UNION BANK, N.A. as Trustee SECOND SUPPLEMENTAL INDENTURE Dated as of October 29, 2020 Supplementing the FIRST SUPPLEMENTAL INDENTURE Dated as of July 20, 2018 4.50% Exchangeable Senior Notes due 2023 SECOND SUPPLEMENTAL INDENTURE (this “Supplemental Indenture”), dated as of October 29, 2020, among Encore Capita |
|
| November 2, 2020 |
Exhibit 4.5 ENCORE CAPITAL GROUP, INC., THE GUARANTOR PARTY HERETO and MUFG UNION BANK, N.A. as Trustee FIRST SUPPLEMENTAL INDENTURE Dated as of October 29, 2020 Supplementing the INDENTURE Dated as of March 3, 2017 3.25% Convertible Senior Notes due 2022 FIRST SUPPLEMENTAL INDENTURE (this “Supplemental Indenture”), dated as of October 29, 2020, among Encore Capital Group, Inc., a Delaware corpora |
|
| October 15, 2020 |
Exhibit 99.1 Encore Settles CFPB Suit, Ending 2015 Consent Order and Resolving All Open Issues - One-time $15 million payment to the CFPB, $9 thousand in total redress to 14 consumers - No incremental operational impact SAN DIEGO — October 15, 2020 — Encore Capital Group, Inc. (NASDAQ: ECPG) today announced the resolution of a lawsuit filed last month by the Consumer Financial Protection Bureau (C |
