ENCORE CAPITAL GROUP INC
For the period ended Sep 30, 2025. Filed Nov 5, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 5, 2025
ECPG$111.98-1.9%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Table of Contents
INDEX TO FORM 10-Q
| Page | |
|---|---|
| PART I – FINANCIAL INFORMATION | 3 |
| Item 1— Condensed Consolidated Financial Statements (Unaudited) | 3 |
| Condensed Consolidated Statements of Financial Condition | 3 |
| Condensed Consolidated Statements of Income | 4 |
| Condensed Consolidated Statements of Comprehensive Income | 5 |
| Condensed Consolidated Statements of Equity | 6 |
| Condensed Consolidated Statements of Cash Flows | 8 |
| Notes to Condensed Consolidated Financial Statements | 9 |
| Note 1: Ownership, Description of Business, and Summary of Significant Accounting Policies | 9 |
| Note 2: Earnings Per Share | 10 |
| Note 3: Fair Value Measurements | 11 |
| Note 4: Derivatives and Hedging Instruments | 12 |
| Note 5: Receivable Portfolios, Net | 14 |
| Note 6: Other Assets | 17 |
| Note 7: Borrowings | 17 |
| Note 8: Variable Interest Entities | 20 |
| Note 9: Accumulated Other Comprehensive Loss | 20 |
| Note 10: Income Taxes | 21 |
| Note 11: Commitments and Contingencies | 22 |
| Note 12: Segment and Geographic Information | 23 |
| Note 13: Goodwill | 25 |
| Item 2 – Management’s Discussion and Analysis of Financial Condition and Results of Operations | 26 |
| Item 3 – Quantitative and Qualitative Disclosures About Market Risk | 48 |
| Item 4 – Controls and Procedures | 48 |
| PART II – OTHER INFORMATION | 49 |
| Item 1 – Legal Proceedings | 49 |
| Item 1A – Risk Factors | 49 |
| Item 2 - Unregistered Sales of Equity Securities and Use of Proceeds | 49 |
| Item 5 – Other Information | 49 |
| Item 6 – Exhibits | 50 |
| SIGNATURES | 51 |
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