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AI brief of an SEC Form 8-K · Encore Capital Group (ECPG)

Encore Capital posts 2025 net income of $256.8 million, guides 2026 EPS to $12.00

Positive Impact 4 of 5 guidance Written later

Encore Capital Group reported fourth-quarter and full-year 2025 results, with full-year net income of $256.8 million, or $10.91 per diluted share, compared with a net loss of $139.2 million in 2024. The company projects 2026 earnings per share of $12.00, an increase of 10%, and global collections of $2.7 billion, up 5%.

Key points

  • Full-year 2025 revenues were $1.77 billion, up 34% from $1.32 billion in 2024.
  • Fourth-quarter 2025 net income was $76.7 million, or $3.37 per diluted share, versus a net loss of $225.3 million, or $9.42 per share, in the same quarter of 2024.
  • The company repurchased about 9% of its shares outstanding in 2025 for $89.5 million.
  • For 2026, the company expects global portfolio purchases of $1.4 billion to $1.5 billion.

The filing

CompanyEncore Capital Group (ECPG)
Form8-K, current report
Filed with the SECFeb 25, 2026, 4:09 PM ET
Accession number0001084961-26-000007

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 6:56 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on February 25, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.