Encore Capital : Overview – March 2025

Published: 2025-03-02 23:08:03 ET ECPG

Encore Overview

Encore Capital Group, Inc.

March 2025

Introduction to Encore

Encore Capital Group, Inc.

3

Who We Are

73008

Encore's primary business is the purchase and collection of

charged-off consumer debt in the U.S. and Europe

Encore

ENCORE ENABLES THE FUNCTIONING OF A HEALTHY CREDIT ECOSYSTEM

By purchasing NPL portfolios, we return capital to banks, enabling further lending and thus playing a key role in the consumer credit ecosystem. Our two largest operating units are Midland Credit Management (U.S.)

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

and Cabot Credit Management (Europe).

Amount of capital returned to the $14.5B consumer credit ecosystem through our

portfolio purchases since our inception

Encore Capital Group, Inc.

4

Encore at a Glance

Market Presence

•

Market leader in the United States

•

One of the largest players in the U.K.

(20+ years in operation)

•

25+ years in operation

•

Building strength in select European

markets (France and Spain)

Capital Deployed

2024 Deployments

Total $1.35b

Europe

26%

U.S.

74%

Encore Capital Group, Inc.

ERC(1)

Collections

2024 180m ERC

2024 Collections

Total $8.5b

Total $2.2b

Europe

Europe

40%

Other

27%

U.S.

<1%

U.S.

73%

60%

Source: Company filings. Market data as of 28-February-2025

Other <1%

Revenues

2024 Revenues

Total $1.3b

Other (2)

DP(3)8% 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

Encore Capital Group, Inc.

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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.

7

Our Strategy and Financial Priorities

Encore Capital Group, Inc.

8

Our Business and Our Strategy

Our Business

Our Strategy

Encore Capital Group, Inc.

9

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 March 03, 2025, and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on March 03, 2025 at 04:07:03.685.