UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

______________________

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

~~June~~August 6, 2025

Date of report (Date of earliest event reported)

______________________

ENCORE CAPITAL GROUP, INC.

(Exact name of registrant as specified in its charter)


Delaware	000-26489	48-1090909
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)

350 Camino de la Reina, Suite 100

San Diego, California 92108

(Address of principal executive offices)(Zip Code)

(877) 345-3002

(Registrant’s telephone number, including area code)

Not applicable

(Former name or former address, if changed since last report.)

_____________________

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, $0.01 Par Value Per Share

ECPG

The NASDAQ Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 57.0701. ~~Submission~~Regulation ofFD ~~Matters to a Vote of Security Holders~~Disclosure.

~~The~~On ~~Company~~August 6, ~~held~~2025, ~~its~~Encore ~~Annual~~Capital ~~Meeting~~Group, ofInc. ~~Stockholders~~posted ~~(“Annual~~a ~~Meeting”)~~slide presentation on ~~June 6,~~its ~~2025~~website. A ~~The~~copy ~~final~~of ~~voting~~the ~~results~~slide onpresentation ~~the~~is ~~proposals~~furnished ~~presented~~as atExhibit ~~the~~99.1 ~~Annual~~to ~~Meeting~~this ~~are~~Current ~~set~~Report ~~forth~~on ~~below~~Form 8-K and is incorporated by reference herein.

The ~~first~~information ~~proposal~~in ~~was~~Item 7.01 ~~for~~of ~~the~~this ~~election~~Current ofReport on Form 8-K, including the ~~following~~information ~~nine~~contained ~~directors:~~in ~~Michael~~Exhibit P99. ~~Monaco~~1, ~~William~~is Cbeing furnished to the Securities and Exchange Commission pursuant to Item 7.01, ~~Goings~~and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, ~~Ashwini~~as amended (~~Ash)~~the ~~Gupta~~“Exchange Act”), ~~Wendy~~or G.otherwise ~~Hannam,~~subject ~~Jeffrey~~to A.the ~~Hilzinger,~~liabilities ~~Angela~~of A.that ~~Knight~~section, ~~Laura~~and ~~Newman~~shall ~~Olle,~~not ~~Richard~~be P.deemed ~~Stovsky~~to ~~and~~be ~~Ashish~~incorporated ~~Masih.~~by ~~All~~reference ~~nine~~into ~~directors~~any ~~were~~filing ~~elected~~under the Securities Act of 1933, ~~with~~as amended, or the ~~following~~Exchange ~~votes~~Act, ~~tabulated:~~except as shall be expressly set forth by a specific reference in such filing.

Item 9.01. Financial Statements and Exhibits.

	For	Withhold	Broker Non-Votes
Exhibit Number	Description
Michael P. Monaco	19,249,670	525,571	937,589
99.1	Slide presentation of Encore Capital Group, Inc. dated August 6, 2025
William C. Goings	19,275,799	499,442	937,589
104	Cover Page Interactive Data File (embedded within the Inline XBRL document)
Ashwini (Ash) Gupta	19,560,563	214,678	937,589
Wendy G. Hannam	19,382,373	392,868	937,589
Jeffrey A. Hilzinger	19,270,777	504,464	937,589
Angela A. Knight	19,262,906	512,335	937,589
Laura Newman Olle	19,061,896	713,345	937,589
Richard P. Stovsky	19,359,095	416,146	937,589
Ashish Masih	19,719,366	55,875	937,589

The second proposal was a non-binding vote to approve the compensation of the Company’s named executive officers. In a non-binding vote, the compensation of the Company’s named executive officers was approved, with the following votes tabulated:

For			Against			Abstain			Broker Non-Vote
19,168,015			489,661			117,565			937,589

The third proposal was the ratification of the appointment of BDO USA, P.C. as the Company’s independent registered public accounting firm for the fiscal year ending December 31, 2025. The appointment of BDO USA, P.C. as the Company’s independent registered public accounting firm for the fiscal year ending December 31, 2025 was ratified, with the following votes tabulated:

For			Against			Abstain			Broker Non-Vote
20,455,891			255,340			1,599			—

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


		ENCORE CAPITAL GROUP, INC.

Date:	August 6, 2025	/s/ Tomas Hernanz
		Tomas Hernanz
		Executive Vice President, Chief Financial Officer and Treasurer

EXHIBIT INDEX

		ENCORE CAPITAL GROUP, INC.
Exhibit Number	Description
Date:	June 9, 2025	/s/ Andrew Asch
99.1	Slide presentation of Encore Capital Group, Inc. dated August 6, 2025
		Andrew Asch
104	Cover Page Interactive Data File (embedded within the Inline XBRL document)
		Senior Vice President, General Counsel, Government Affairs and Secretary

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