ENCORE CAPITAL GROUP INC

For the period ended Sep 30, 2026. Filed Nov 4, 2026.

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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, 2026 · Filed Nov 4, 2026

ECPG$108.02-3.5%Stored close · as of Nov 10, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

Condensed Consolidated Statements of Equity

	Three Months Ended September 30, 2026
Common Stock · Additional Paid-In Capital · Accumulated Earnings · Accumulated Other Comprehensive (Loss) Income · Total Equity
Shares	Par
Balance as of June 30, 2026	21,209	$212	$—	$1,209,896	$(131,391)	$1,078,717
Net income	—	—	—	124,013	—	124,013
Other comprehensive income, net of tax	—	—	—	—	7,144	7,144
Issuance of share-based awards, net of shares withheld for employee taxes	2	—	(120)	—	—	(120)
Repurchase and retirement of common stock	(269)	(3)	—	(26,961)	—	(26,964)
Stock-based compensation	—	—	4,702	—	—	4,702
Settlement of convertible notes	—	—	(36,362)	(104,228)	—	(140,590)
Unwind of the existing capped call options	—	—	31,780	—	—	31,780
Balance as of September 30, 2026	20,942	$209	$—	$1,202,720	$(124,247)	$1,078,682

	Three Months Ended September 30, 2025
Common Stock · Additional Paid-In Capital · Accumulated Earnings · Accumulated Other Comprehensive Loss · Total Equity
Shares	Par
Balance as of June 30, 2025	23,095	$231	$—	$1,015,221	$(119,481)	$895,971
Net income	—	—	—	74,660	—	74,660
Other comprehensive loss, net of tax	—	—	—	—	(11,809)	(11,809)
Issuance of share-based awards, net of shares withheld for employee taxes	2	—	(135)	—	—	(135)
Repurchase and retirement of common stock	(243)	(2)	(4,206)	(5,906)	—	(10,114)
Stock-based compensation	—	—	4,341	—	—	4,341
Balance as of September 30, 2025	22,854	$229	$—	$1,083,975	$(131,290)	$952,914

	Nine Months Ended September 30, 2026
Common Stock · Additional Paid-In Capital · Accumulated Earnings · Accumulated Other Comprehensive (Loss) Income · Total Equity
Shares	Par
Balance as of December 31, 2025	21,688	$217	$—	$1,104,640	$(128,107)	$976,750
Net income	—	—	—	274,255	—	274,255
Other comprehensive income, net of tax	—	—	—	—	3,860	3,860
Issuance of share-based awards, net of shares withheld for employee taxes	199	2	(8,702)	—	—	(8,700)
Repurchase and retirement of common stock	(945)	(10)	(2,036)	(71,947)	—	(73,993)
Stock-based compensation	—	—	15,320	—	—	15,320
Settlement of convertible notes	—	—	(36,362)	(104,228)	—	(140,590)
Unwind of the existing capped call options	—	—	31,780	—	—	31,780
Balance as of September 30, 2026	20,942	$209	$—	$1,202,720	$(124,247)	$1,078,682

	Nine Months Ended September 30, 2025
Common Stock · Additional Paid-In Capital · Accumulated Earnings · Accumulated Other Comprehensive (Loss) Income · Total Equity
Shares	Par
Balance as of December 31, 2024	23,691	$237	$19,297	$909,927	$(162,130)	$767,331
Net income	—	—	—	180,177	—	180,177
Other comprehensive income, net of tax	—	—	—	—	30,840	30,840
Issuance of share-based awards, net of shares withheld for employee taxes	114	1	(3,154)	—	—	(3,153)
Repurchase and retirement of common stock	(951)	(9)	(29,191)	(6,129)	—	(35,329)
Stock-based compensation	—	—	13,048	—	—	13,048
Balance as of September 30, 2025	22,854	$229	$—	$1,083,975	$(131,290)	$952,914

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.