Encore Capital Group

Encore Capital Group and its subsidiaries (collectively, the “Company”) is a leader in consumer debt buying and recovery. The company purchases portfolios of defaulted consumer receivables from major banks, credit unions, and utility providers and partners with individuals as they repay their obligations and work toward financial recovery. Headquartered in San Diego, Encore is a publicly traded NASDAQ Global Select company (ticker symbol: ECPG) and a component stock in the Russell 2000, the S&P SmallCap 600, and the Wilshire 4500.

Our Company’s operations include sites in San Diego, CA, Phoenix, AZ, St. Cloud, MN, Arlington, TX, New Delhi, India and San Jose, Costa Rica. We currently employ more than 2,200 people, and possess a large third-party network of collection agencies and litigators throughout the United States.

Success in our business hinges on understanding, measuring, and predicting financially distressed consumer behavior, and we have invested heavily to build one of the industry’s strongest analytic platforms focused on this demographic segment. We purchase consumer receivables based on account-level valuation methods, and employ a suite of proprietary statistical models across the full extent of our business. Moreover, we have one of the industry’s largest financially distressed consumer databases, comprising approximately 25 million active accounts. Our strong performance derives from our sophisticated and widespread use of analytics, our broad investments in data and behavioral science, the significant cost advantages provided by both our worldwide operations and our enterprise-wide, account-level cost database, and our demonstrated commitment to conducting business ethically and in ways that support our consumers’ financial recovery. We enjoy strong relationships with many of the largest credit providers in the United States, and possess one of the industry’s best collection staff retention rates.

In addition, we provide bankruptcy support services to some of the largest names in the financial services business through our wholly-owned subsidiary Ascension Capital Group, Inc. (“Ascension”). Leveraging a proprietary software platform dedicated to bankruptcy servicing, Ascension’s operational platform integrates lenders, trustees, and consumers across the bankruptcy lifecycle.