ENCORE CAPITAL GROUP INC
For the period ended Dec 31, 2024. Filed Feb 26, 2025.
View on SEC.govAbout this filing
A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2024 · Filed Feb 26, 2025
ECPG$111.98-1.9%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
Table of Contents
| Page | |
|---|---|
| PART I | 1 |
| Item 1—Business | 1 |
| Item 1A—Risk Factors | 12 |
| Item 1B—Unresolved Staff Comments | 24 |
| Item 1C—Cybersecurity | 24 |
| Item 2—Properties | 25 |
| Item 3—Legal Proceedings | 25 |
| Item 4—Mine Safety Disclosures | 25 |
| PART II | 26 |
| Item 5—Market for the Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities | 26 |
| Item 6—[Reserved] | 27 |
| Item 7—Management’s Discussion and Analysis of Financial Condition and Results of Operations | 28 |
| Item 7A—Quantitative and Qualitative Disclosures about Market Risk | 51 |
| Item 8—Financial Statements and Supplementary Data | 51 |
| Item 9—Changes in and Disagreements With Accountants on Accounting and Financial Disclosure | 51 |
| Item 9A—Controls and Procedures | 52 |
| Item 9B—Other Information | 54 |
| Item 9C—Disclosure Regarding Foreign Jurisdictions that Prevent Inspection | 54 |
| PART III | 55 |
| Item 10—Directors, Executive Officers and Corporate Governance | 55 |
| Item 11—Executive Compensation | 55 |
| Item 12—Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters | 55 |
| Item 13—Certain Relationships and Related Transactions, and Director Independence | 55 |
| Item 14—Principal Accountant Fees and Services | 55 |
| PART IV | 56 |
| Item 15—Exhibits and Financial Statement Schedules | 56 |
| SIGNATURES | 60 |
| INDEX TO CONSOLIDATED FINANCIAL STATEMENTS | 61 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.