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: 000-26489 ENCORE CAPITAL GROUP, INC. (Exact name o ...

https://reportify- Exhibit 99.1 1252068037.cos.ap- 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 international specialty finance company, today reported consolidated fi ...

Ashish Masih - President & Chief Executive Officer John Rowan - Janney Montgomery Scott Good day, everyone, and thank you for standing by. Welcome to the Encore Capital Group's Quarter Three 2023 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakerÂ's presentation, there will be a question-and-answer session. [Operator Instructions] Please be advised that today's conference is being recorded. Joining me on the call today are Ashish Masih, our President and Ch ...

| --- | --- | |----------------------------------------------------------------------|-------| | | | | Third Quarter 2023 Investor Presentation Encore Capital Group, Inc. | | | November 1, 2023 | | 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, constitute "forward-looking sta ...

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 NUMBER: 000-26489 ENCORE CAPIT ...

Encore Capital Group, Inc. (NASDAQ:ECPG) Q2 2023 Earnings Conference Call August 2, 2023 5:00 PM ET Jonathan Clark - EVP and CFO John Rowan - Janney Montgomery Scott Mark Hughes - Truist Bruce Thomas With that let me turn the call over to Ashish Masih, our President and Chief Executive Officer. I'll begin today's call with a few Q2 highlights. Encore second quarter performance reflected normalized consumer behavior and a stable collections environment in each of our key markets. In the U.S., with lending Ea ...

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: 000-26489 ENCORE CAPITAL GR ...

Thanks Bruce, and good afternoon, everyone. Thank you for joining us. Encore performance in the first quarter reflected normalized consumer behavior in each of our key markets. As such collections have returned to prepandemic levels for our MCM business in the U.S. and have stabilized for a Cabot business in Europe. At the same time, as anticipated, portfolio supply growth in the U.S. is accelerating with lending and charge off rates steadily growing. Consequently, MCM portfolio purchases in the U.S. in the ...

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: 000-26489 ENCORE CAPITAL G ...

With that, let me turn the call over to Ashish Masih, our President and Chief Executive Officer. Turning to our business in Europe. CabotÂ's collections in 2022 declined 14% as reported, primarily due to the foreign currency effect of the weakening of the British pound and euro. In constant currency, CabotÂ's collections declined only 5%. Collections in the fourth quarter remained largely in-line with previous quarters. When compared to our collections performance in continental Europe, our U.K. collections ...