Risk factors
Encore Capital Group (ECPG) risk factors
Item 1A of every Encore Capital Group Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors40 risks1 reworded
Goodwill impairment risk remains, but this year’s wording omits the prior disclosure of Cabot’s $100.6 million impairment charge.
Filed Feb 25, 2026 - FY2024 10-K risk factors40 risks
Encore Capital Group faces major concentration risks from a small number of receivable sellers and heavy debt levels at $3.7 billion. Extensive regulation, legal collection dependence, and macroeconomic pressures on consumer debt repayment strongly dominate business risks.
Filed Feb 26, 2025