ECPG
Encore Overview
Encore Capital Group, Inc.
November 2024
Legal Disclaimers
The statements in this presentation that are not historical facts, including, most importantly, those statements preceded by, or that include, the words "will," "may," "believe," "projects," "expects," "anticipates" or the negation thereof, or similar expressions, constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995 (the "Reform Act"). These statements may include, but are not limited to, statements regarding our future operating results (including portfolio purchase volumes, collections and cash generation), supply, portfolio pricing, returns, run rates, tax rates, the consumer credit cycle and the impacts of inflation, interest rates and other macroeconomic
factors. For all "forward-looking statements," the Company claims the protection of the safe harbor for forward-looking statements contained in the Reform Act. Such forward-looking statements involve risks, uncertainties and other factors which may cause actual results, performance or achievements of the Company and its subsidiaries to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements. These risks, uncertainties and other factors are discussed in the reports filed by the Company with the Securities and Exchange Commission, including its most recent report on Form 10-K, as it may be amended from time to time. The Company disclaims any intent or obligation to update these forward-looking statements.
Encore Capital Group, Inc.
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Introduction to Encore
Encore Capital Group, Inc.
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Who We Are
Encore's primary business is the purchase and collection of
7400
charged-off consumer debt in the U.S. and Europe
Encore
Consumer
Consumer
Issuers
sell
debt is
debt is
charged-
issued
charged off
off debt
Return of Capital to
Consumer Credit Ecosystem
Encore
purchases
and collects
on charged-off
debt
Engages consumers in
collection activities
Consumer-
centric
approach
Proprietary advanced analytics
Operational
expertise
Amount of capital returned to the $13B consumer credit ecosystem through our
portfolio purchases since our inception
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Encore at a Glance
Business overview
Main trading brands
Capital Deployed
ERC(1)
LTM Deployments thru Q3 2024
Q3 2024 180m ERC
Total $1.1b
Total $8.6b
Parent company (publicly traded)
Americas
Europe
Operating
Operating predominantly in
in the United States
the United Kingdom
Collections
Revenues
LTM Collections thru Q3 2024
LTM Revenues thru Q3 2024
Total $2.1b
Total $1.3b
Europe
21%
U.S.
79%
Encore Capital Group, Inc.
Europe
Europe
43%
Other
28%
Other
1%
U.S.
<1%
U.S.
72%
56%
Source: Company filings. Market data as of 31-Oct-2024
Other (2) 8%
DP (3)
92%
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Our Mission, Vision and Values
Mission
Values
Creating pathways to economic freedom
Vision
We help make credit accessible by partnering with consumers to restore their financial health
We Care
We put people first and engage with honesty, empathy and respect
We Find a Better Way
We deliver our best in everything we do, find ways to make a positive difference, and achieve impactful results
We are Inclusive and Collaborative
We embrace our differences and work together to ensure every individual can thrive
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Our large data sets feed proprietary predictive models to optimize valuation, pricing and account level collection strategies
We use channel-specific
models to optimize operations,
Our core competency in understanding the payment behavior
strategies and profitability
on an account level
of distressed consumers is influenced by consumers'
perceived willingness and ability to pay
Digital
Consumer
Call Center
behavior
research
Portfolio
Servicing
Direct Mail
valuation
channel
Pre-purchase
optimization
model
Legal
Market data
Collection Agency
and insights
No effort
Continuous feedback between operations, servicing strategies and valuation
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Our Strategy and Financial Priorities
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Our Business and Our Strategy
Our Business
Our Strategy
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First Pillar of Our Strategy - Market Focus
Concentrating on our most valuable markets with the highest risk-adjusted returns
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Disclaimer
Encore Capital Group Inc. published this content on November 12, 2024, and is solely responsible for the information contained herein. Distributed by Public, unedited and unaltered, on November 12, 2024 at 03:47:06.434.