{"filing":{"accession_number":"0001084961-26-000052","cik":"0001084961","ticker":"ECPG","company_name":"ENCORE CAPITAL GROUP INC","form":"8-K","filing_date":"2026-07-22","report_date":null,"primary_document":"ecpg-20260722.htm","primary_document_url":"https://www.sec.gov/Archives/edgar/data/1084961/000108496126000052/ecpg-20260722.htm"},"events":[{"id":19571,"run_id":17605,"accession_number":"0001084961-26-000052","anchor_item_number":"8.01","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.75,"summary":"Encore Capital announced the redemption of $230.0 million aggregate principal amount of 4.00% Convertible Senior Notes due 2029, scheduled for September 24, 2026, triggered by the company's stock price exceeding 130% of the conversion price. The company expects to pay approximately $332.5 million in aggregate cash to settle conversions and will unwind related capped call transactions, representing a material capital event affecting the company's capital structure and financial obligations.","company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","filing_date":"2026-07-22","form":"8-K","submitted_at":null,"items":[{"id":18690,"accession_number":"0001084961-26-000052","item_number":"7.01","item_title":"Regulation FD Disclosure.","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.75,"reasoning":"The filing announces the redemption of $230.0 million aggregate principal amount of 4.00% Convertible Senior Notes due 2029, with redemption scheduled for September 24, 2026. While technically a redemption (retirement) of existing debt rather than issuance of new debt, this represents a material capital event involving the elimination of a direct financial obligation. The redemption is triggered by the company's stock price exceeding 130% of the conversion price, and the filing discusses related capped call transactions and potential secondary market activity. This is most appropriately classified as a debt-related material event; the redemption of $230 million in convertible notes is material to investors assessing the company's capital structure and financial obligations.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-07-22T20:24:04.613559+00:00","company_name":"","ticker":null,"filing_date":""},{"id":18691,"accession_number":"0001084961-26-000052","item_number":"8.01","item_title":"Other Events.","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.75,"reasoning":"The filing discloses the redemption of $230 million in 4.00% Convertible Senior Notes due 2029, triggered by the company's stock price exceeding 130% of the conversion price. While technically a redemption (retirement) of existing debt rather than issuance of new debt, this event involves material changes to the company's capital structure and financial obligations. The company expects to pay approximately $332.5 million in aggregate cash to settle conversions, and will unwind capped call transactions. This is a material capital event affecting the company's financial position and shareholder equity.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-07-22T20:24:04.613559+00:00","company_name":"","ticker":null,"filing_date":""}]}],"classifications":[{"id":18690,"accession_number":"0001084961-26-000052","item_number":"7.01","item_title":"Regulation FD Disclosure.","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.75,"reasoning":"The filing announces the redemption of $230.0 million aggregate principal amount of 4.00% Convertible Senior Notes due 2029, with redemption scheduled for September 24, 2026. While technically a redemption (retirement) of existing debt rather than issuance of new debt, this represents a material capital event involving the elimination of a direct financial obligation. The redemption is triggered by the company's stock price exceeding 130% of the conversion price, and the filing discusses related capped call transactions and potential secondary market activity. This is most appropriately classified as a debt-related material event; the redemption of $230 million in convertible notes is material to investors assessing the company's capital structure and financial obligations.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-07-22T20:24:04.613559+00:00","company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","filing_date":"2026-07-22"},{"id":18691,"accession_number":"0001084961-26-000052","item_number":"8.01","item_title":"Other Events.","event_type":"debt_issuance","event_domain":"financial","is_material":true,"confidence":0.75,"reasoning":"The filing discloses the redemption of $230 million in 4.00% Convertible Senior Notes due 2029, triggered by the company's stock price exceeding 130% of the conversion price. While technically a redemption (retirement) of existing debt rather than issuance of new debt, this event involves material changes to the company's capital structure and financial obligations. The company expects to pay approximately $332.5 million in aggregate cash to settle conversions, and will unwind capped call transactions. This is a material capital event affecting the company's financial position and shareholder equity.","classifier_version":"claude-haiku-4-5-20251001+prompt-a85dd512","taxonomy_version":"v1.3","classified_at":"2026-07-22T20:24:04.613559+00:00","company_name":"ENCORE CAPITAL GROUP INC","ticker":"ECPG","filing_date":"2026-07-22"}]}