Encore Capital : Overview – November 2024

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

Encore Capital Group, Inc.

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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%

5

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

Encore Capital Group, Inc.

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Our Strategy and Financial Priorities

Encore Capital Group, Inc.

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Our Business and Our Strategy

Our Business

Our Strategy

Encore Capital Group, Inc.

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First Pillar of Our Strategy - Market Focus

Concentrating on our most valuable markets with the highest risk-adjusted returns

Encore Capital Group, Inc.

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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.