Inferra AI / Company / ECPG
Encore Capital Group Inc.
ECPG · Financials
Last earnings Aug 5, 2026
Key results
EPSquarter
13%
Global collections up 13% to record $737 million Earnings per share of $2.81 includes $1.00 per share of refinancing costs SAN DIEGO, August 5, 2026 -- Encore Capital Group, Inc.
SEC original ↗Encore Capital Group Inc. — Earnings release (8-K exhibit)EX-99Aug 5, 2026
GAAP net incomequarter
$64 million
This collections performance helped drive GAAP net income in the second quarter of $64 million or $2.81 per share, which includes refinancing costs of $1.00 per share.
SEC original ↗Encore Capital Group Inc. — Earnings release (8-K exhibit)EX-99Aug 5, 2026
AI analysis
Q2 2026 · reported Aug 5, 2026
Based on: Earnings release + parent 8-K + 10-Q — transcript not held
Headline figures
| Metric | Q2 2026 | Prior qtr | Year ago |
|---|---|---|---|
| EPS | 13% | — | — |
| GAAP net income | $64 million | — | — |
Guidance · company-stated
“in 2026 to be within a range from $13.00 to $14.00”
Guidance stated in the release for full-year 2026; figures as stated.
Capital allocation
In the second quarter, the company repurchased approximately $27 million of its shares of common stock.
In May we refinanced $1 billion of debt, incurring $30.5 million of refinancing costs in the second quarter, which will save approximately $15 million in annual interest expense going forward.
Event summary
Encore Capital Group Announces Second Quarter 2026 Financial Results Favorable purchasing conditions continue in U.S
Based on: Earnings release + parent 8-K + 10-Q — transcript not held
Guidance & outlook
EPS: “EPS in 2026 to be within a range from $13.00 to $14.00”
EPS (“full-year 2026”)
“Additionally, we now expect our EPS in 2026 to be within a range from $13.00 to $14.00 per share, even after absorbing $1.00 per share of refinancing costs in the second quarter.”
Guidance stated in the release for full-year 2026; figures as stated.
Capital allocation
In the second quarter, the company repurchased approximately $27 million of its shares of common stock.
SEC original ↗Encore Capital Group Inc. — Earnings release (8-K exhibit)EX-99Aug 5, 2026
In May we refinanced $1 billion of debt, incurring $30.5 million of refinancing costs in the second quarter, which will save approximately $15 million in annual interest expense going forward.
SEC original ↗Encore Capital Group Inc. — Earnings release (8-K exhibit)EX-99Aug 5, 2026
Encore Capital Group is an international specialty finance company that provides debt recovery solutions and other related services for consumers across a broad range of financial assets.
SEC original ↗Encore Capital Group Inc. — Earnings release (8-K exhibit)EX-99Aug 5, 2026
Encore partners with individuals as they repay their debt obligations, helping them on the road to financial recovery and ultimately improving their economic well-being.
SEC original ↗Encore Capital Group Inc. — Earnings release (8-K exhibit)EX-99Aug 5, 2026
June 30, 2026 December 31, 2025 Assets Cash and cash equivalents $ 47,527 $ 40,256 Receivable portfolios, net 1,221,069 1,151,221 Other assets 4,272 3,540 Liabilities Accounts payable and accrued liabilities 2,545 3,101 Borrowings 785,213 791,182 Other liabilities 315 2,774 Encore Capital Group, Inc.
SEC original ↗Encore Capital Group Inc. — Earnings release (8-K exhibit)EX-99Aug 5, 2026
(2) Amount represents (a) gross collections from receivable portfolios less (b) debt purchasing revenue, plus (c) proceeds applied to basis from sales of real estate owned ( REO ) assets and, when applicable, other receivable portfolios.
SEC original ↗Encore Capital Group Inc. — Earnings release (8-K exhibit)EX-99Aug 5, 2026
Strategy & priorities
The Company uses a fair value hierarchy that prioritizes the inputs used in valuation techniques to measure fair value into three broad levels.
SEC original ↗Encore Capital Group Inc. — 10-Q Quarterly report10-QAug 5, 2026
The determination of such inputs requires significant judgment, including assessing the assumed market participant s cost structure, its determination of whether to include fixed costs in its valuation, its collection strategies, and determining the appropriate weighted average cost of capital.
SEC original ↗Encore Capital Group Inc. — 10-Q Quarterly report10-QAug 5, 2026
resulting from enhanced collections strategies.
SEC original ↗Encore Capital Group Inc. — 10-Q Quarterly report10-QAug 5, 2026
Pursuant to the terms of an intercreditor agreement entered into with respect to the relative positions of (1) the Global Senior Facility and any super priority hedging liabilities (collectively, Super Senior Liabilities ) and (2) the Senior Secured Notes, Super Senior Liabilities that are secured by assets that also secure the Senior Secured Notes will receive priority with respect to any proceeds received upon any enforcement action over any such assets.
SEC original ↗Encore Capital Group Inc. — 10-Q Quarterly report10-QAug 5, 2026
Subject to the intercreditor agreement described above under the section Global Senior Secured Revolving Credit Facility, Super Senior Liabilities that are secured by assets that also secure the Senior Secured Notes will receive priority with respect to any proceeds received upon any enforcement action over any such assets.
SEC original ↗Encore Capital Group Inc. — 10-Q Quarterly report10-QAug 5, 2026
Risks & headwinds
Such forward-looking statements involve risks, uncertainties and other factors which may cause actual results, performance or achievements of the Company and its subsidiaries to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements.
SEC original ↗Encore Capital Group Inc. — Earnings release (8-K exhibit)EX-99Aug 5, 2026
These risks, uncertainties and other factors are discussed in the reports filed by the Company with the Securities and Exchange Commission, including the most recent report on Form 10-K, as it may be amended from time to time.
SEC original ↗Encore Capital Group Inc. — Earnings release (8-K exhibit)EX-99Aug 5, 2026
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
36 documents- Q2 2026
- 8-KECPG
Aug 19, 2026
- EX-99ECPG
Aug 19, 2026
- 8-KECPG
- 10-QECPG
- 8-KECPG
Jul 22, 2026
- EX-99ECPG
Jul 22, 2026
- Q1 2026
- 8-KECPG
Jun 16, 2026
- 8-KECPG
May 29, 2026
- 8-KECPG
May 26, 2026
- 8-KECPG
May 14, 2026
- EX-99ECPG
May 14, 2026
- EX-99ECPG
May 14, 2026
- 8-KECPG
May 12, 2026
- EX-99ECPG
May 12, 2026
- EX-99ECPG
May 12, 2026
- 8-KECPG
- 10-QECPG
- Q4 2025
- 8-KECPG
Mar 20, 2026
- 8-KECPG
Feb 25, 2026
- 10-KECPG
Feb 25, 2026
- Q3 2025
- 8-KECPG
- 8-KECPG
- 10-QECPG
- 8-KECPG
- Q2 2025
- 8-KECPG
Sep 25, 2025
- 8-KECPG
- 8-KECPG
- 10-QECPG
- Q1 2025
- 8-KECPG
Jun 10, 2025
- 8-KECPG
May 23, 2025
- 8-KECPG
- 8-KECPG
- 10-QECPG
- Q4 2024
- 8-KECPG
Mar 31, 2025
- 8-KECPG
Feb 26, 2025
- 10-KECPG
Feb 26, 2025
Earnings releases
6 documentsPresentations
0 documentsNo presentations for Encore Capital Group Inc. are held in this edition of the library.
Transcripts
0 documentsNo transcripts for Encore Capital Group Inc. are held in this edition of the library.
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