Ryan B. Bell - 06 Nov 2025 Form 4 Insider Report for ENCORE CAPITAL GROUP INC (ECPG)

Signature
/s/ Michael Chin, Attorney-in-Fact for Ryan Bell
Issuer symbol
ECPG
Transactions as of
06 Nov 2025
Net transactions value
-$250,000
Form type
4
Filing time
10 Nov 2025, 16:12:34 UTC
Previous filing
11 Mar 2025
Next filing
11 Dec 2025

Reporting Owners (1)

Name Relationship Address Signature Signature date CIK
Bell Ryan B President, MCM 350 CAMINO DE LA REINA, SUITE 100, SAN DIEGO /s/ Michael Chin, Attorney-in-Fact for Ryan Bell 10 Nov 2025 0001745333

Transactions Table

Type Sym Class Transaction Value $ Shares Change % * Price $ Shares After Date Ownership Footnotes
transaction ECPG Common Stock Sale $250,000 -5,000 -7.9% $50.00 57,910 06 Nov 2025 Direct F1
* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Buy Plan / Sale Plan: These are also open market purchases/sales of shares, but in this case the transaction is part of a trading plan. Rule 10b5-1 allows insiders to setup a trading plan to buy/sell stocks over a certain period of time. Since the purchases/sales are predetermined, this protects the insiders from violating insider trading law.

Transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c).

Explanation of Responses:

Id Content
F1 The transaction reported on this Form 4 was effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on November 8, 2024.