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    Encore Capital Group Inc filed SEC Form 8-K: Regulation FD Disclosure, Financial Statements and Exhibits

    11/5/25 4:54:15 PM ET
    $ECPG
    Finance Companies
    Finance
    Get the next $ECPG alert in real time by email
    ecpg-20251105
    0001084961false00010849612025-11-052025-11-05

    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 5, 2025
    Date of report (Date of earliest event reported)
    ______________________
    ENCORE CAPITAL GROUP, INC.
    (Exact name of registrant as specified in its charter)
    Delaware
    000-26489
    48-1090909
    (State or other jurisdiction of incorporation)
    (Commission File Number)
    (IRS Employer Identification No.)
    350 Camino de la Reina, Suite 100
    San Diego, California 92108
    (Address of principal executive offices)(Zip Code)
    (877) 345-3002
    (Registrant’s telephone number, including area code)
    Not applicable
    (Former name or former address, if changed since last report.)
    _____________________
    Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
    ☐    Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
    ☐    Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
    ☐    Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
    ☐     Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
    Securities registered pursuant to Section 12(b) of the Act:
    Title of each classTrading Symbol(s)Name of each exchange on which registered
    Common Stock, $0.01 Par Value Per ShareECPGThe NASDAQ Stock Market LLC
    Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
    Emerging growth company  ☐
    If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.    ☐




    Item 7.01.    Regulation FD Disclosure.
    On November 5, 2025, Encore Capital Group, Inc. posted a slide presentation on its website. A copy of the slide presentation is furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated by reference herein.

    The information in Item 7.01 of this Current Report on Form 8-K, including the information contained in Exhibit 99.1, is being furnished to the Securities and Exchange Commission pursuant to Item 7.01, and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, and shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by a specific reference in such filing.

    Item 9.01.    Financial Statements and Exhibits.
    Exhibit Number
    Description
    99.1
    Slide presentation of Encore Capital Group, Inc. dated November 5, 2025
    104
    Cover Page Interactive Data File (embedded within the Inline XBRL document)





    SIGNATURE

    Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
    ENCORE CAPITAL GROUP, INC.

    Date:
    November 5, 2025
    /s/ Tomas Hernanz
    Tomas Hernanz
    Executive Vice President, Chief Financial Officer and Treasurer





    EXHIBIT INDEX
    Exhibit NumberDescription
    99.1
    Slide presentation of Encore Capital Group, Inc. dated November 5, 2025
    104Cover Page Interactive Data File (embedded within the Inline XBRL document)




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