Exhibit 99.1 Encore Capital Group Announces First Quarter 2025 Financial Results SAN DIEGO, May 7, 2025 -- Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty finance company, today reported consolidated financial results for the first quarter ended March 31, 2025. (2) Represents the average of receivable portfolios for the quarter (receivable portfolios at the beginning and end of the quarter divided by 2). "Encore's 2025 is off to a strong start, which is reflected in every measure of ou ...

Core Insights - Encore Capital Group reported strong financial performance for Q1 2025, with significant increases in portfolio purchases and collections compared to the previous year [2][4] - The company anticipates exceeding $1.35 billion in global portfolio purchases for 2025 and expects collections to grow by 11% year-over-year to $2.4 billion [2][4] Financial Performance - Portfolio purchases in Q1 2025 reached $368 million, a 24% increase from $295.7 million in Q1 2024 [4] - Collections for the quarter totaled $605 million, up 18% from $510.9 million in the same period last year [4] - Earnings per share (EPS) for Q1 2025 were $1.93, reflecting a 103% increase from $0.95 in Q1 2024 [4][7] Business Segments - The U.S. MCM business achieved record portfolio purchases of $316 million, a 34% increase year-over-year, and collections of $454 million, up 23% [2][4] - The Cabot business in Europe reported portfolio purchases of $51 million and collections of $150 million, a 7% increase compared to the previous year [2][4] Operational Metrics - Average receivable portfolios increased by 10% to $3.86 billion from $3.50 billion year-over-year [4] - Estimated Remaining Collections (ERC) rose by 7% to $8.86 billion compared to $8.31 billion in Q1 2024 [4] Shareholder Actions - The company repurchased $10 million of its common stock during the first quarter [3]

Group 1 - Encore Capital Group, Inc. will release its financial results for Q1 2025 on May 7, 2025, after market close [1] - A conference call and slide presentation will be held on the same day at 2:00 p.m. Pacific / 5:00 p.m. Eastern time, featuring key executives discussing the results [1] - Members of the public can access the live webcast via Encore's Investor Relations page, and a replay will be available shortly after the call [2] Group 2 - Encore Capital Group is an international specialty finance company providing debt recovery solutions and related services for consumers [3] - The company purchases portfolios of consumer receivables from major banks, credit unions, and utility providers [3] - Encore operates with a Consumer Bill of Rights, offering industry-leading commitments to consumers [4]

SAN DIEGO, March 03, 2025 (GLOBE NEWSWIRE) -- Encore Capital Group, Inc. (Nasdaq:ECPG), an international specialty finance company, announced today that Encore management will be meeting with investors at the Raymond James 46th Annual Institutional Investors Conference on Tuesday, March 4, 2025. In addition, Ashish Masih, Encore’s President and Chief Executive Officer, will be making a presentation at the conference at 11:00am Eastern time on the same day. A link to the live webcast and a copy of the presen ...

Core Insights - Encore Capital Group, Inc. (ECPG) shares have dropped 21.9% following the release of its fourth-quarter 2024 results, raising investor concerns about declining debt-purchasing revenues [1] - Despite the revenue decline, rising collections and strong portfolio purchasing have partially mitigated the negative impact [1] Financial Performance - ECPG reported adjusted earnings per share (EPS) of $1.50, missing the Zacks Consensus Estimate by 3.2%, but showing a 20% year-over-year improvement [2] - Revenues decreased by 4.2% year over year to $265.6 million, falling short of the consensus estimate by 28.9% [2] - Total debt purchasing revenues fell 4.6% year over year to $240.9 million, while servicing revenues increased by 4.5% to $20.5 million, exceeding the consensus mark of $20 million [4] Collections and Purchases - Global collections grew by 21% year over year to $554.6 million, although this was below the consensus estimate of $585.5 million [5] - Portfolio purchases in the U.S. rose significantly, contributing to a total of $495.1 million, up from $292.5 million a year ago [6] Operating Expenses and Cash Flow - Total operating expenses decreased by 19% year over year to $399.8 million, attributed to lower collection agency commissions and goodwill impairment [5] - Cash efficiency margin improved to 53% from 51.2% a year ago [6] - Net cash provided by operating activities increased by 2.1% year over year to $156.2 million [8] Financial Position - As of December 31, 2024, total assets were $4.8 billion, up from $4.6 billion at the end of 2023 [8] - Cash and cash equivalents rose to $199.9 million, while borrowings increased to $3.67 billion from $3.32 billion at the end of 2023 [8] Full-Year Update and Guidance - For the full year 2024, revenues increased by 8% year over year, with collections and portfolio purchases rising by 16% and 26%, respectively [9] - Management anticipates portfolio purchasing to exceed $1.35 billion in 2025 and collections to grow by approximately 11% to $2.4 billion [10]

Fourth Quarter 2024 Investor Presentation Encore Capital Group, Inc. February 26, 2025 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 statements" within the meaning of the Private Securities Litigation Reform Act of 1995 (the "Reform Act"). These s ...

Financial Data and Key Metrics Changes - Encore Capital Group reported a record global portfolio purchase of $1.35 billion in 2024, a 26% increase compared to 2023 [20][21] - Global collections reached $2.16 billion, up 16% from the previous year, driven by higher portfolio purchases [22][24] - Cash generation increased by 20% year-over-year, reflecting strong operational performance [23] Business Line Data and Key Metrics Changes - Midland Credit Management (MCM) achieved portfolio purchases of $1 billion, a 23% increase compared to 2023, with collections growing by 20% [26][27] - Cabot Credit Management's collections increased by 8% to $588 million, with a significant deployment of $200 million in Q4 [34][35] - Cabot's portfolio purchases rose by 36% to $353 million, primarily due to opportunistic purchases in Q4 [35] Market Data and Key Metrics Changes - The U.S. market saw a rise in revolving credit and charge-off rates, creating favorable purchasing conditions for Encore [24][25] - In contrast, the UK market experienced slower growth in supply and low charge-offs, impacting Cabot's performance [29][30] Company Strategy and Development Direction - Encore's strategy focuses on market selection, emphasizing regions with high risk-adjusted returns and strong regulatory frameworks [18][19] - The company aims to maintain a strong balance sheet and leverage ratio, with plans to resume share repurchases in 2025 [14][45] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the U.S. market's favorable conditions for portfolio purchasing, expecting continued growth in collections and cash generation [24][25][48] - The restructuring actions taken at Cabot are believed to position the company for a more predictable performance trajectory moving forward [34][80] Other Important Information - The company reported a decline in its leverage ratio from 2.9% at the end of 2023 to 2.6% at the end of 2024, despite record portfolio purchases [14][41] - Significant non-cash charges related to goodwill and restructuring impacted reported financial results, but underlying business strength remains robust [39][43] Q&A Session Summary Question: Inquiry about Cabot's moves and confidence in resolving issues - Management acknowledged the challenging market environment in the UK and Europe but expressed confidence that the issues at Cabot are now behind them due to recent restructuring actions [51][56] Question: Cash efficiency and operating expenses for 2025 - Management indicated that cash efficiency margins have improved, with expectations for continued operational leverage as collections grow [63][72] Question: ERC reduction specifics - The ERC reduction at Cabot in Q4 totaled approximately $453 million, with significant impacts from older vintages and market exits [74][78] Question: Future purchasing mix between Cabot and MCM - Management expects MCM to continue to dominate purchasing in 2025, with Cabot's purchasing levels anticipated to decline from 2024 [100][101] Question: Comments on pricing in the U.S. market - Pricing remains stable, with strong returns expected to continue driving collections and cash generation [80][81] Question: Confidence in the new models driving purchasing decisions - Management expressed high confidence in the new models used for pricing and purchasing, noting that recent vintages have performed well [122][123]

Encore Capital Group (ECPG) Q4 2024 Earnings Call February 27, 2025 05:32 AM ET Company Participants Bruce Thomas - VP, Global Investor RelationsAshish Masih - President & Chief Executive OfficerJonathan Clark - EVP, CFO & TreasurerDavid Scharf - Managing DirectorMike Grondahl - Head of Equities & Director of ResearchJohn Rowan - Managing DirectorRobert Dodd - Director - Finance Conference Call Participants Mark Hughes - Analyst Operator Good day, everyone, and thank you for standing by. Welcome to the Enco ...

Core Viewpoint - Encore Capital Group reported quarterly earnings of $1.50 per share, which missed the Zacks Consensus Estimate of $1.55 per share, but showed an increase from $1.25 per share a year ago [1][2] Financial Performance - The company experienced an earnings surprise of -3.23% for the quarter, and previously, it had a surprise of -14.29% when it reported earnings of $1.26 per share against an expectation of $1.47 per share [2] - Revenues for the quarter were $265.62 million, missing the Zacks Consensus Estimate by 28.92%, and down from $277.39 million year-over-year [3] Market Performance - Encore Capital Group shares have increased by approximately 4.4% since the beginning of the year, outperforming the S&P 500, which gained 1.3% [4] Future Outlook - The current consensus EPS estimate for the upcoming quarter is $1.49 on revenues of $386.31 million, and for the current fiscal year, it is $7.42 on revenues of $1.61 billion [8] - The estimate revisions trend for Encore Capital Group is mixed, resulting in a Zacks Rank 3 (Hold), indicating expected performance in line with the market [7] Industry Context - The Financial - Consumer Loans industry, to which Encore Capital Group belongs, is currently in the top 11% of over 250 Zacks industries, suggesting a favorable outlook compared to lower-ranked industries [9]

Market Position and Strategy - The company is a market leader in portfolio purchasing and recovery in the United States and one of the largest credit management services providers in Europe[12]. - The long-term growth strategy focuses on investing in core portfolio purchasing and recovery business in the U.S. and U.K., with an emphasis on strengthening operations in France and Spain[14]. - The company aims to maintain strong returns throughout the credit cycle, with capital allocation priorities including portfolio purchases and strategic M&A considerations[34]. - The company has achieved certification from all major U.S. issuers for compliance, enhancing its reputation and ability to secure new portfolios[26]. Digital and Operational Efficiency - The company has made significant progress in developing digital collection strategies, enhancing consumer access to account information and payment options[20]. - The operational scale and cost efficiency are central to the company's purchasing and collection strategies, with operations in India and Costa Rica contributing to these efficiencies[29]. - The company utilizes proprietary statistical models for portfolio valuation, determining the likelihood and expected amount of collections from each consumer[22]. - The company maintains relationships with various financial service providers, generating recurring purchase opportunities and securing exclusive negotiation rights[36]. Compliance and Regulatory Environment - The company maintains a compliance management system to adhere to applicable laws and regulations, which is crucial for its debt purchasing and collection activities[50]. - The company has faced regulatory scrutiny, including a consent order with the CFPB in 2015 and subsequent legal actions related to compliance with consumer financial laws[63]. - The company is subject to various federal and state laws concerning identity theft, data privacy, and cybersecurity, which may require significant resources for compliance[68]. - The company must comply with the General Data Protection Regulation (GDPR) and the UK Data Protection Act 2018, which introduced significant changes to data protection practices[82]. Workforce and Employee Relations - As of December 31, 2024, the company had approximately 7,350 employees, with 20% in the United States and 80% in international locations[85]. - Approximately 49% of the total workforce were women, reflecting the company's commitment to inclusion and collaboration[91]. - The company has no employees in North America represented by a labor union or subject to collective bargaining agreements[85]. - The company is committed to providing competitive compensation and benefits, including comprehensive health and welfare insurance and wellness incentives[92]. Financial Performance and Risks - The company recorded a goodwill impairment charge of $100.6 million at the Cabot reporting unit during the fourth quarter of 2024, following a previous charge of $238.2 million in the fourth quarter of 2023[172]. - The company is required to maintain a Fixed Charge Coverage Ratio of at least 2.0 and ensure that the LTV Ratio does not exceed 0.75[156]. - Increases in interest rates could lead to higher interest expenses, adversely affecting earnings and cash flows[157]. - The company may incur additional indebtedness in the future, which could intensify existing financial risks[155]. Collection Strategies and Consumer Relations - The company employs various collection strategies including direct mail, call centers, digital collections, and legal action to optimize account recovery[41]. - The company’s legal action strategy is employed when consumers are deemed able but unwilling to pay, with a focus on compliance with debt collection laws[41]. - The company is committed to treating consumers with respect and integrity, which has built trust and improved liquidation rates[21]. - Significant progress has been made in expanding digital strategies, allowing consumers to access account information and make payments online, with expectations for increased digital collections[41]. Economic and Competitive Landscape - The consumer credit recovery industry is highly competitive, with pressures affecting the availability and pricing of receivable portfolios[53]. - The ability to purchase receivables at favorable prices is crucial for growth; fluctuating prices and competition may limit purchasing volume and profitability[98]. - Regulatory changes could lead to increased competition and reduced access to charged-off consumer receivables at acceptable prices[106]. - The company faces risks related to economic conditions that could adversely affect consumer payment capabilities, potentially harming financial results[97]. Cybersecurity and Data Protection - Cybersecurity incidents pose a risk to the company's information technology networks, potentially leading to data breaches and operational disruptions[125]. - The reliance on third-party service providers for data processing introduces additional risks related to cybersecurity and compliance[126]. - The company is subject to audits by sellers of debt portfolios, which could limit future purchasing capabilities if compliance issues arise[114]. - The reliance on proprietary consumer data is critical; loss of access or public exposure of this data could materially affect competitive advantage[118].