ECPG · Encore Capital Group Inc

Grant to the reporting person under the 2017 Incentive Award Plan for service on the Board of Directors of Encore Capital Group, Inc.

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 date the reporting person is no longer a member of the Board of Directors.

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 date the reporting person is no longer a member of the Board of Directors.

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 date the reporting person is no longer a member of the Board of Directors.

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 date the reporting person is no longer a member of the Board of Directors.

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 date the reporting person is no longer a member of the Board of Directors.

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.

The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on March 10, 2026. This Rule 10b5-1 trading plan has now been completed.

The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on March 11, 2026. This Rule 10b5-1 trading plan has now been completed.

The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on March 10, 2026. This Rule 10b5-1 trading plan has now been completed.

This price represents a weighted average price. These shares were sold in multiple transactions at prices ranging from $81.06 to $81.98 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.

The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on March 10, 2026. This Rule 10b5-1 trading plan has now been completed.

This price represents a weighted average price. These shares were sold in multiple transactions at prices ranging from $80.24 to $80.82 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.

The sales reported in this Form 4 were effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on March 10, 2026. This Rule 10b5-1 trading plan has now been completed.

This price represents a weighted average price. These shares were sold in multiple transactions at prices ranging from $82.09 to $82.50 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.

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.

Disposal relates to the withholding of securities for the payment of the tax liability incident to the vesting of stock units.

Represents performance stock units granted on March 9, 2025 under the Encore Capital Group, Inc. 2017 Incentive Award Plan for which performance conditions have been satisfied. These performance stock units vest on March 9, 2028.

Represents performance stock units granted on March 9, 2025 under the Encore Capital Group, Inc. 2017 Incentive Award Plan for which performance conditions have been satisfied. These performance stock units vest on March 9, 2028.

Represents performance stock units granted on March 9, 2025 under the Encore Capital Group, Inc. 2017 Incentive Award Plan for which performance conditions have been satisfied. These performance stock units vest on March 9, 2028.

Represents shares issued in connection with the vesting of performance stock units based upon the achievement of performance targets.

Grant to the reporting person on March 9, 2026 of restricted stock units ("RSUs") under the Encore Capital Group, Inc. 2017 Incentive Award Plan. The RSUs are subject to vesting and vest in annual installments over a three-year period, with one-third vesting on March 9, 2027, one-third vesting on March 9, 2028, and the remaining one-third vesting on March 9, 2029.

Represents shares issued in connection with the vesting of performance stock units based upon the achievement of performance targets.

Represents shares issued in connection with the vesting of performance stock units based upon the achievement of performance targets.

Disposal relates to the withholding of securities for the payment of the tax liability incident to the vesting of stock units.

Grant to the reporting person on March 9, 2026 of restricted stock units ("RSUs") under the Encore Capital Group, Inc. 2017 Incentive Award Plan. The RSUs are subject to vesting and vest in annual installments over a three-year period, with one-third vesting on March 9, 2027, one-third vesting on March 9, 2028, and the remaining one-third vesting on March 9, 2029.

Disposal relates to the withholding of securities for the payment of the tax liability incident to the vesting of stock units.

Disposal relates to the withholding of securities for the payment of the tax liability incident to the vesting of stock units.

Represents performance stock units granted on March 9, 2025 under the Encore Capital Group, Inc. 2017 Incentive Award Plan for which performance conditions have been satisfied. These performance stock units vest on March 9, 2028.

Grant to the reporting person on March 9, 2026 of restricted stock units ("RSUs") under the Encore Capital Group, Inc. 2017 Incentive Award Plan. The RSUs are subject to vesting and vest in annual installments over a three-year period, with one-third vesting on March 9, 2027, one-third vesting on March 9, 2028, and the remaining one-third vesting on March 9, 2029.

Represents shares issued in connection with the vesting of performance stock units based upon the achievement of performance targets.

Disposal relates to the withholding of securities for the payment of the tax liability incident to the vesting of stock units.

Grant to the reporting person on March 9, 2026 of restricted stock units ("RSUs") under the Encore Capital Group, Inc. 2017 Incentive Award Plan. The RSUs are subject to vesting and vest in annual installments over a three-year period, with one-third vesting on March 9, 2027, one-third vesting on March 9, 2028, and the remaining one-third vesting on March 9, 2029.

Represents performance stock units granted on March 9, 2025 under the Encore Capital Group, Inc. 2017 Incentive Award Plan for which performance conditions have been satisfied. These performance stock units vest on March 9, 2028.

Grant to the reporting person on March 9, 2026 of restricted stock units ("RSUs") under the Encore Capital Group, Inc. 2017 Incentive Award Plan. The RSUs are subject to vesting and vest in annual installments over a three-year period, with one-third vesting on March 9, 2027, one-third vesting on March 9, 2028, and the remaining one-third vesting on March 9, 2029.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

The transaction reported on this Form 4 was effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on November 8, 2024. This Rule 10b5-1 trading plan has now been completed.

The sale transaction reported on this Form 4 was effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on September 3, 2025 as part of the reporting person's financial planning for tax purposes. This Rule 10b5-1 trading plan has now been completed.

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.

The transaction reported on this Form 4 was effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on May 16, 2025. This Rule 10b5-1 trading plan has now been completed.

The transaction reported on this Form 4 was effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on May 16, 2025.

The transaction reported on this Form 4 was effected pursuant to a Rule 10b5-1 trading plan adopted by the reporting person on November 8, 2024.

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.

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 date the reporting person is no longer a member of the Board of Directors.

Grant to the reporting person under the 2017 Incentive Award Plan for service on the Board of Directors of Encore Capital Group, Inc.

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.

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 date the reporting person is no longer a member of the Board of Directors.