Director — Robert Beck: The filing discloses the appointment of a new independent director to expand the board size, which is a routine governance action rather than an executive departure.

of this Current Report on Form 8-K, including the information contained in Exhibit 99.1, is being furnished to the Securities and Exchange Commission pursuant to Item 2.02, and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, and shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933, as amended, or the…

Other Events. On July 22, 2026, the Company issued a notice (the “Redemption Notice”) to holders of the Company’s 4.00% Convertible Senior Notes due 2029 (the “Notes”) calling for redemption (the “Redemption”) of all outstanding Notes. On September 24, 2026 (the “Redemption Date”), all then-outstanding Notes that are called for Redemption and have not been submitted for conversion will be repurchased for cash at a price (the “Redemption Price”) equal to the principal amount of such Notes plus…

The filing describes a stockholder-approved amendment to the company's incentive award plan, which is not directly related to management changes.

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information set forth under

Entry into a Material Definitive Agreement. On May 28, 2026 , Encore Capital Group, Inc. (the “Company”) issued €325.0 million aggregate principal amount of senior secured floating rate notes due 2033 (the “Notes”) pursuant to an indenture (the “Indenture”) between, among others, the Company, certain subsidiaries of the Company as guarantors, GLAS Trust Company LLC as trustee and Truist Bank as security agent. The Notes are senior secured obligations of the Company, and are fully and uncondit…

Entry into a Material Definitive Agreement. On May 22, 2026 , Encore Capital Group, Inc. (the “ Company ”) issued $750.0 million aggregate principal amount of 6.625% senior secured notes due 2032 (the “ Notes ”) pursuant to an indenture (the “Indenture”) between, among others, the Company, certain subsidiaries of the Company as guarantors, GLAS Trust Company LLC as trustee and Truist Bank as security agent. The Notes are senior secured obligations of the Company, and are fully and uncondition…

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information set forth under

Other Events. On May 12, 2026 , Encore Capital Group, Inc. (“ Encore ”) issued a press release announcing its intention to offer €300.0 million aggregate principal amount of senior secured floating rate notes due 2033 (the “ Offering ”) in a private placement to qualified institutional buyers pursuant to Rule 144A under the Securities Act of 1933, as amended (the “ Securities Act ”) and outside the United States to non-U.S. persons (within the meaning of Regulation S under the Securities Act)…

Other Events. On May 11, 2026 , Encore Capital Group, Inc. (“ Encore ”) issued a press release announcing its intention to offer $5 50.0 million aggregate principal amount of senior secured notes due 2032 (the “ Offering ”) in a private placement to qualified institutional buyers pursuant to Rule 144A under the Securities Act of 1933, as amended (the “ Securities Act ”) and outside the United States to non-U.S. persons (within the meaning of Regulation S under the Securities Act). On May 11,…

of this Current Report on Form 8-K, including the information contained in Exhibit 99.1, is being furnished to the Securities and Exchange Commission pursuant to Item 2.02, and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, and shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933, as amended, or the…

Director — Ms. Wendy Hannam: Ms. Wendy Hannam will not stand for re-election as a director at the Company’s 2026 Annual Meeting.

of this Current Report on Form 8-K, including the information contained in Exhibit 99.1, is being furnished to the Securities and Exchange Commission pursuant to Item 2.02, and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, and shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933, as amended, or the…

of this Current Report on Form 8-K, including the information contained in Exhibit 99.1, is being furnished to the Securities and Exchange Commission pursuant to Item 2.02, and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, and shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933, as amended, or the…

Entry into a Material Definitive Agreement. On October 1, 2025 , Encore Capital Group, Inc. (the “Company”) issued $500.0 million aggregate principal amount of 6.625% senior secured notes due 2031 (the “Notes”) pursuant to an indenture (the “Indenture”) between, among others, the Company, certain subsidiaries of the Company as guarantors, GLAS Trust Company LLC as trustee and Truist Bank as security agent. The Notes are senior secured obligations of the Company, and are fully and unconditiona…

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information set forth under

Other Events. On September 24, 2025 , Encore Capital Group, Inc. (“ Encore ”) issued a press release announcing its intention to offer $400.0 million aggregate principal amount of senior secured notes due 2031 (the “ Offering ”) in a private placement to qualified institutional buyers pursuant to Rule 144A under the Securities Act of 1933, as amended (the “ Securities Act ”) and outside the United States to non-U.S. persons (within the meaning of Regulation S under the Securities Act). On Sep…

of this Current Report on Form 8-K, including the information contained in Exhibit 99.1, is being furnished to the Securities and Exchange Commission pursuant to Item 2.02, and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, and shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933, as amended, or the…

Entry into a Material Definitive Agreement. On May 22, 2025, Encore Capital Group, Inc. (the “Company”) issued an additional commitment increase notice and entered into an amendment letter (the “Amendment Letter”) that amended and supplemented its existing global senior secured revolving credit facility agreement originally dated September 20, 2012 (the “Global Senior Facility”) by and among the Company, the several guarantors, banks and other financial institutions and lenders from time to t…

of this Current Report on Form 8-K, including the information contained in Exhibit 99.1, is being furnished to the Securities and Exchange Commission pursuant to Item 2.02, and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, and shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933, as amended, or the…

CFO — Tomas Hernanz: The filing discloses a previously announced, orderly transition where the outgoing CFO moves to a consulting role and an internal successor is appointed.

of this Current Report on Form 8-K, including the information contained in Exhibit 99.1, is being furnished to the Securities and Exchange Commission pursuant to Item 2.02, and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, and shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933, as amended, or the…

of this Current Report on Form 8-K, including the information contained in Exhibit 99.1, is being furnished to the Securities and Exchange Commission pursuant to Item 2.02, and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, and shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933, as amended, or the…

Entry into a Material Definitive Agreement. On October 17, 2024, Encore Capital Group, Inc. (the “Company”), agreed to amend and restate its existing global senior secured revolving credit facility agreement (as amended, the “Global Senior Facility”) by and among the Company, the several guarantors, banks and other financial institutions and lenders from time to time party thereto and Truist Bank as Agent and Security Agent to, among other things, (1) upsize the facility by $92 million from $…

CFO — Jonathan Clark: The CFO is retiring with a named internal successor, representing an orderly succession rather than a sudden loss of leadership.