Ashwini Gupta - 01 Dec 2025 Form 4 Insider Report for ENCORE CAPITAL GROUP INC (ECPG)

Role: Director
Signature: /s/ Michael Chin, Attorney-in-Fact for Ashwini Gupta
Issuer symbol: ECPG
Transactions as of: 01 Dec 2025
Net transactions value: +$23,722
Form type: 4
Filing time: 02 Dec 2025, 17:02:32 UTC
Previous filing: 03 Sep 2025
Next filing: 03 Mar 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Gupta Ashwini	Director	350 CAMINO DE LA REINA, SUITE 100, SAN DIEGO	/s/ Michael Chin, Attorney-in-Fact for Ashwini Gupta	02 Dec 2025	0001405635

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	ECPG	Common Stock	Award	$23,722	+448	+0.44%	$52.95	102,805	01 Dec 2025	Direct	F1

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	Grant to the reporting person, for service on the Board of Directors of Encore Capital Group, Inc. ("Encore"), of deferred stock units under the terms of a non-employee director deferred compensation plan established under the 2017 Incentive Award Plan. Deferred stock units will be converted into shares of Encore common stock on a one-for-one basis upon distribution. The distribution of shares of common stock will occur within 10 business days following the fifth anniversary of the date the reporting person is no longer a member of the Board of Directors.

Content

Grant to the reporting person, for service on the Board of Directors of Encore Capital Group, Inc. ("Encore"), of deferred stock units under the terms of a non-employee director deferred compensation plan established under the 2017 Incentive Award Plan. Deferred stock units will be converted into shares of Encore common stock on a one-for-one basis upon distribution. The distribution of shares of common stock will occur within 10 business days following the fifth anniversary of the date the reporting person is no longer a member of the Board of Directors.