安可资本 2026年季度报告

(Mark One)☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the quarterly period ended March31, 2026 or☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the transition period from __________to__________.COMMISSION FILE NUMBER: 000-26489 ENCORE CAPITAL GROUP, INC. (Exact name of registrant as specified in its charter) 48-1090909 Delaware (State or other jurisdiction of incorporation or organization) (IRS EmployerIdentification No.) 350 Camino De La Reina, Suite 100San Diego, California 92108(Address of principal executive offices, including zip code)(877) 345-3002(Registrant’s telephone number, including area code)(Not Applicable)(Former name, former address and former fiscal year, if changed since last report)_______________________________________________________________ Securities registered pursuant to Section 12(b) of the Act: TradingSymbol(s) Name of each exchange on which registered 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 1934during the 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 requirementsfor the last 90 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 ofRegulation S-T (Section 232.405 of this chapter) during the preceding 12months (or for such shorter period that the registrant was required to submit suchfiles).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 anemerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and “emerginggrowthcompany” in Rule12b-2 of the Exchange Act. Large accelerated filer☒Accelerated filer☐Non-acceleratedfiler☐Smallerreportingcompany Emerging 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 is a shell company (as defined in Rule 12b-2 of the Exchange Act).Yes☐No☒ Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date.ClassOutstanding at April 29, 2026 ENCORE CAPITAL GROUP, INC.INDEX TO FORM 10-Q PART I – FINANCIAL INFORMATION Item1— Condensed Consolidated Financial Statements (Unaudited)Condensed Consolidated Statements of Financial ConditionCondensed Consolidated Statements of IncomeCondensed Consolidated Statements of Comprehensive IncomeCondensed Consolidated Statements of EquityCondensed Consolidated Statements of Cash FlowsNotes to Condensed Consolidated Financial StatementsNote 1: Ownership, Description of Business, and Summary of Significant Accounting PoliciesNote 2: Earnings Per ShareNote 3: Fair Value MeasurementsNote 4: Derivatives and Hedging InstrumentsNote 5: Receivable Portfolios, NetNote 6: Other AssetsNote 7: BorrowingsNote 8: Variable Interest EntitiesNote 9: Accumulated Other Comprehensive LossNote 10: Income TaxesNote 11: Commitments and ContingenciesNote 12: Segment and Geographic InformationNote 13: GoodwillItem2 – Management’s Discussion and Analysis of Financial Condition and Results of OperationsItem3 – Quantitative and Qualitative Disclosures About Market RiskItem4 – Controls and ProceduresPART II – OTHER INFORMATIONItem1 – Legal ProceedingsItem1A – Risk FactorsItem 2 - Unregistered Sales of Equity Securities and Use of ProceedsItem5 – Other InformationItem6 – ExhibitsSIGNATURES The following table presents certain assets and liabilities of consolidated variable interest entities (“VIEs”) included in the condensedconsolidated statements of financial condition above. Most assets in the table below include those assets that can only be used to settleobligations of consolidated VIEs. The liabilities exclude amounts where creditors or beneficial interest holders have recourse to the generalcredit of the Company.See “Note8: Variable Interest Entities” for additional information on the Company’s VIEs. ENCORE CAPITAL GROUP, INC.Condensed Consolidated Statements of Income(In Thousands, Except Per Share Amounts)(Unaudited) ENCORE CAPITAL GROUP, INC.Condensed Consolidated Statements of Comprehensive Income(Unaudited, In Thousands) ENCORE CAPITAL GROUP, INC.Condensed Consolidated Statements of Equity(Unaudited, In Thousands) ENCORE CAPITAL GROUP, INC.Condensed Consolidated Statements of Cash Flows(Unaudited, In Thousands) ENCORE CAPITAL GROUP, INC.Notes to Condensed Consolidated Financial Statements (Unaudited) Note 1: Owne