Core Insights - Europe's largest insurer by market capitalization achieved record operating profit for 2025, indicating strong financial performance and growth across key metrics in the final quarter [1] Financial Performance - The company reported significant growth in its operating profit, marking a record high for the year 2025 [1] - Key metrics showed positive trends, reflecting the insurer's robust operational capabilities and market position [1]

Encore Capital Group (NasdaqGS:ECPG) Q4 2025 Earnings call February 25, 2026 05:00 PM ET Company ParticipantsAshish Masih - President and CEOBruce Thomas - VP of Global Investor RelationsDavid Scharf - Managing DirectorMax Fritscher - Equity Research AssociateRobert Dodd - DirectorTomas Hernanz - EVP and CFOConference Call ParticipantsMike Grondahl - Head of Equity Research and Senior Research AnalystOperatorGood day, everyone, and thank you for standing by. Welcome to the Encore Capital Group's fourth quar ...

Encore Capital Group (NasdaqGS:ECPG) Q4 2025 Earnings call February 25, 2026 05:00 PM ET Company ParticipantsAshish Masih - President and CEOBruce Thomas - VP of Global Investor RelationsDavid Scharf - Managing DirectorRobert Dodd - DirectorTomas Hernanz - EVP and CFOConference Call ParticipantsMike Grondahl - Head of Equity Research and Senior Research AnalystNone - AnalystOperatorGood day, everyone, and thank you for standing by. Welcome to the Encore Capital Group's fourth quarter 2025 earnings conferenc ...

Encore Capital Group (NasdaqGS:ECPG) Q4 2025 Earnings call February 25, 2026 05:00 PM ET Speaker4Good day, everyone, and thank you for standing by. Welcome to the Encore Capital Group's fourth quarter 2025 earnings conference call. At this time, all participants are in a listen-only mode. After the speaker's presentation, there'll be a question-and-answer session. To ask a question during the session, you need to press star one on your telephone. You'll then hear an automated message advising your hand is r ...

Table of Contents 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, 2025 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, ...

Fourth Quarter 2025 Investor Presentation Encore Capital Group, Inc. February 25, 2026 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 ...

Encore Capital Group Announces Fourth Quarter and Full-Year 2025 Financial Results SAN DIEGO, February 25, 2026 -- Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty finance company, today reported consolidated financial results for the fourth quarter and full year ended December 31, 2025. "Encore's industry leadership and operational innovation are on full display after delivering very strong 2025 financial results," said Ashish Masih, Encore's President and Chief Executive Officer. "Wit ...

Global portfolio purchases in 2025 up 4% to $1.41 billion, including $1.17 billion in the U.S.Global collections in 2025 up 20% to $2.59 billion, including $1.95 billion in the U.S.Earnings per share in 2025 of $10.91Repurchased approximately 9% of ECPG shares outstanding for $89.5 million in 2025 SAN DIEGO, Feb. 25, 2026 (GLOBE NEWSWIRE) -- Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty finance company, today reported consolidated financial results for the fourth quarter and full yea ...

Core Viewpoint - Encore Capital Group, Inc. will release its financial results for Q4 2025 on February 25, 2026, after market close, followed by a conference call with key executives discussing the results [1]. Group 1: Financial Results Announcement - The financial results for the fourth quarter of 2025 will be announced on February 25, 2026 [1]. - A conference call will take place on the same day at 2:00 p.m. Pacific / 5:00 p.m. Eastern time, featuring presentations from the President and CEO, CFO, and Vice President of Global Investor Relations [1]. Group 2: Access to Information - Members of the public can access the live webcast via the Investor Relations page on Encore's website [2]. - A replay of the webcast will be available shortly after the call concludes for those unable to listen live [2]. Group 3: Company Overview - Encore Capital Group is an international specialty finance company that provides 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, emphasizing commitments to consumer welfare [4].

Core Viewpoint - The Zacks Consumer Loans industry is experiencing a positive outlook due to falling interest rates and easing lending standards, which are expected to sustain and boost loan demand, thereby supporting top-line growth [1][2]. Industry Overview - The Zacks Consumer Loans industry includes companies that provide various loan products such as mortgages, credit card loans, and personal loans, generating net interest income (NII) as a primary revenue source. The industry's prospects are closely tied to the overall economic condition and consumer sentiment [3]. - Companies in this sector also engage in commercial lending, insurance, loan servicing, and asset recovery, which help diversify revenue sources and reduce dependence on economic fluctuations [3]. Key Themes Interest Rates & Loan Demand - The Federal Reserve has reduced interest rates by 175 basis points since 2024, with indications of another cut. Despite a decline in consumer confidence due to job and income concerns, loan demand is expected to remain stable or improve as rates decrease, leading to modest growth in net interest margin (NIM) and NII [4]. Lending Standards - The removal of tax liens from consumer credit reports has improved credit scores, expanding the borrower base. Easing lending standards are enabling consumer loan providers to meet the rising loan demand [5]. Asset Quality - Lower interest rates are likely to enhance borrowers' repayment capabilities, reducing the need for consumer loan providers to set aside large reserves for potential defaults. However, a slight increase in non-performing loans is anticipated, which may impact asset quality [6]. Industry Performance - The Zacks Consumer Loans industry has outperformed the Zacks S&P 500 composite and the finance sector over the past two years, with a collective stock increase of 101.7%, compared to 49.2% for the S&P 500 and 42% for the finance sector [11]. Valuation Metrics - The industry has a trailing 12-month price-to-tangible book ratio (P/TBV) of 1.42X, above the five-year median of 1.04X. This ratio indicates that the industry is trading at a significant discount compared to the broader market, where the S&P 500's P/TBV is 12.86X [14][16]. Investment Opportunities Enova International, Inc. (ENVA) - Enova is a financial technology company focused on online financial services, with a market cap of $4.01 billion. The company has seen a 63.7% increase in shares over the past year, and earnings are expected to grow by 39.5% in 2025 [19][22]. Encore Capital Group, Inc. (ECPG) - Encore Capital specializes in debt recovery and has a market cap of $1.3 billion. The company has gained 17% in share value over the past year, with earnings projected to increase by 93.5% in 2025 [24][27].