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

Encore Capital Q1 2026 EPS rises 100% to $3.86 on record collections; guidance raised

Positive Impact 4 of 5 earnings Written later

Encore Capital reported first quarter 2026 net income of $86.2 million, up 84% from a year earlier, on revenue of $475.4 million, up 21%. The company raised its full-year 2026 collections guidance to approximately $2.8 billion and its earnings per share guidance to $13.00, an increase of 19%, while keeping its portfolio purchase outlook unchanged at $1.4 billion to $1.5 billion.

Key points

  • Q1 2026 diluted EPS was $3.86, up from $1.93 in Q1 2025; net income was $86.2 million.
  • Q1 collections were a record $718.4 million, up 19%; U.S. MCM collections were $556 million, up 23%.
  • Full-year 2026 guidance: collections of approximately $2.8 billion (up 8%) and EPS of $13.00 (up 19%).
  • The company repurchased $20 million of its common stock in the first quarter.

The filing

CompanyEncore Capital Group (ECPG)
Form8-K, current report
Filed with the SECMay 6, 2026, 4:08 PM ET
Accession number0001084961-26-000038

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 May 06, 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.