Encore Capital Group, Inc., headquartered in San Diego, California, is a global specialty finance company specializing in the purchase and management of consumer receivables. Tracing its roots to credit businesses established in the mid-20th century, the firm has grown through strategic acquisitions and organic expansion to become one of the largest publicly traded debt buyers. Encore’s shares trade on the NASDAQ under the symbol ECPG.
The company’s core business involves acquiring portfolios of charged‐off consumer debt from financial institutions, credit card issuers, telecommunications companies and other lenders. Through its U.S. subsidiary, Midland Credit Management, and international operations, including its U.K. subsidiary Cabot Financial, Encore employs analytical tools and proprietary collection strategies to recover value from nonperforming receivables. The company emphasizes consumer engagement, regulatory compliance and advanced analytics to guide its recovery efforts.
Encore operates across multiple geographies, with established platforms in the United States, the United Kingdom, Mexico and select markets in Latin America. Its integrated model combines debt purchasing with comprehensive servicing capabilities, encompassing early-out programs, negotiation, litigation support and digital self-service options. This diversified geographic footprint enables Encore to mitigate risk and adapt to evolving regulatory frameworks in each jurisdiction.
Under the leadership of President and Chief Executive Officer Lori H. Jacobs, Encore continues to focus on strengthening its credit analytics, enhancing digital customer experiences and maintaining rigorous compliance standards. The company’s management team and board of directors prioritize governance, risk management and sustainable growth as it seeks to drive long-term value for shareholders and stakeholders alike.
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