安可资本 2024年度报告

(Mark One) ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year endedDecember31, 2024or ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto.COMMISSION FILE NUMBER:000-26489 ENCORE CAPITAL GROUP, INC. (Exact name of registrant as specified in its charter) Delaware48-1090909(State or other jurisdiction of incorporation or organization)(IRS Employer Identification No.) 350 Camino De La Reina,Suite 100San Diego,California92108(Address of principal executive offices, including zip code) (858)309-1679(Registrant’s telephone number, including area code)Securities registered pursuant to Section12(b) of the Act: Title of Each ClassTrading Symbol(s)Name of Each Exchange on Which RegisteredCommon Stock, $0.01 Par Value Per ShareECPGThe Nasdaq Stock Market LLC Securities registered pursuant to Section12(g) of the Act: NoneIndicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.Yes☒ Indicate by check mark if the registrant is not required to file reports pursuant to Section13 or Section15(d) of the Act.Yes☐No☒ Indicate by check mark whether the registrant: (1)has filed all reports required to be filed by Section13 or 15(d) of the Securities Exchange Act of 1934 duringthe preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2)has been subject to such filing requirements for the past90 days.Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of RegulationS-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or anemerginggrowth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company”and “emerging growth company”in Rule 12b-2 of theExchange Act. (Check one): Large accelerated filer☒Accelerated filer☐Non-acceleratedfiler☐SmallerreportingcompanyEmerging growthcompany☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new orrevised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internal control overfinancial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report.☒ If securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filingreflect the correction of an error to previously issued financial statements.☐ Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by anyof the registrant’s executive officers during the relevant recovery period pursuant to §240.10D-1(b).☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).Yes☐No☒ The number of shares of our Common Stock outstanding at February20, 2025, was23,691,291. Documents Incorporated by Reference Portions of the registrant’s definitive proxy statement in connection with its annual meeting of stockholders to be held in 2025 are incorporated by reference inItems 10, 11, 12, 13, and 14 of Part III of this Annual Report on Form 10-K for the fiscal year ended December31, 2024, which proxy statement will be filed no laterthan 120 days after the close of the registrant’s fiscal year December31, 2024. Table of Contents TABLE OF CONTENTS PART I Item1—BusinessItem1A—Risk FactorsItem1B—Unresolved Staff CommentsItem1C—CybersecurityItem2—PropertiesItem3—Legal ProceedingsItem4—Mine Safety Disclosures PART IIItem 5—Market for the Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity SecuritiesItem 6—[Reserved]Item 7—Management’s Discussion and Analysis of Financial Condition and Results of OperationsItem7A—Quantitative and Qualitative Disclosures about Market RiskItem8—Financial Statements and Supplementary DataItem9—Changes in and Disagreements With Accountants on Accounting and Financial DisclosureItem9A—Controls and ProceduresItem9B—Other InformationItem 9C—Disclosure Regarding Foreign Jurisdictions that Prevent Inspection PART III Item10—Directors, Executive Officers and Corporate GovernanceItem11—Executive CompensationItem12—Security Ownership of Certain Beneficial