Ryan B. Bell - 02 Mar 2026 Form 4 Insider Report for ENCORE CAPITAL GROUP INC (ECPG)

Role
President, MCM
Signature
/s/ Michael Chin, Attorney-in-Fact for Ryan Bell
Issuer symbol
ECPG
Transactions as of
02 Mar 2026
Net transactions value
-$517,685
Form type
4
Filing time
04 Mar 2026, 17:13:43 UTC
Previous filing
11 Dec 2025
Next filing
11 Mar 2026
SEC
View on sec.gov

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 04 Mar 2026 0001745333

Transactions Table

Type Sym Class Transaction Value $ Shares Change % * Price $ Shares After Date Ownership Footnotes
transaction ECPG Common Stock Sale $102,723 -1,466 -2.6% $70.07 53,944 02 Mar 2026 Direct F1, F2
transaction ECPG Common Stock Sale $250,192 -3,603 -6.7% $69.44 50,341 02 Mar 2026 Direct F1, F3
transaction ECPG Common Stock Sale $102,180 -1,500 -3% $68.12 48,841 02 Mar 2026 Direct F1, F4
transaction ECPG Common Stock Sale $44,749 -671 -1.4% $66.69 48,170 02 Mar 2026 Direct F1, F5
transaction ECPG Common Stock Sale $17,841 -260 -0.54% $68.62 47,910 03 Mar 2026 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 sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on November 26, 2025. This Rule 10b5-1 trading plan has now been completed.
F2 This price represents a weighted average price. These shares were sold in multiple transactions at prices ranging from $70.00 to $70.20 inclusive. The reporting person undertakes to provide Encore, any security holder of Encore, or the staff of the Securities Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the range set forth in this footnote.
F3 This price represents a weighted average price. These shares were sold in multiple transactions at prices ranging from $68.99 to $ 69.92 inclusive. The reporting person undertakes to provide Encore, any security holder of Encore, or the staff of the Securities Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the range set forth in this footnote.
F4 This price represents a weighted average price. These shares were sold in multiple transactions at prices ranging from $67.82 to $68.38 inclusive. The reporting person undertakes to provide Encore, any security holder of Encore, or the staff of the Securities Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the range set forth in this footnote.
F5 This price represents a weighted average price. These shares were sold in multiple transactions at prices ranging from $66.55 to $67.23 inclusive. The reporting person undertakes to provide Encore, any security holder of Encore, or the staff of the Securities Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the range set forth in this footnote.