ECPG ENCORE CAPITAL GROUP INC

Did the company actually spend money buying back stock in 3+ of the last 4 quarters?

Bought back stock in 4/4 quarters. Q1 2023: $26M, Q3 2023: $26M, Q2 2023: $25M, Q3 2022: $41M

Is the most recent quarter's buyback spend more than 15% above the trailing average?

Latest quarter $26M vs trailing avg $31M (-16%)

What percentage of free cash flow is going to buybacks? Bull: 30%+. Bear: negative FCF or no buybacks.

Missing buyback or cash flow data

How fast are they shrinking the float? Bull: 2%+ annually. Bear: under 0.5%.

Repurchased 2,347,969 shares = 10.8% of 21,688,000 outstanding (annualized)

Are officers and directors buying stock with their own money on the open market?

No insider open-market purchases in the last 12 months

Are both company buybacks and insider buying independently active? Bull when the company is buying back stock in 2+ quarters and insiders have made 2+ open-market purchases.

Need both buyback and insider purchase data

Over the last 90 days, are insiders net buyers or net sellers on the open market?

Insiders bought $0M, sold $1M in the last 90 days (net selling)

Active buyback + insiders net selling 3x+ more than buying. Company cash may be supporting price while insiders exit.

Company buying back stock while insiders sold 1282305.3x more than bought. 2 C-suite officers among sellers

• Bell Ryan B (President, MCM) sold 1,466 shares on 2026-03-02
• Bell Ryan B (President, MCM) sold 3,603 shares on 2026-03-02
• Bell Ryan B (President, MCM) sold 1,500 shares on 2026-03-02
• Bell Ryan B (President, MCM) sold 671 shares on 2026-03-02
• Bell Ryan B (President, MCM) sold 260 shares on 2026-03-03
• Bell Ryan B (President, MCM) sold 2,500 shares on 2025-12-10
• Yung John (President, Intl. and Cabot) sold 1,000 shares on 2025-11-26
• Bell Ryan B (President, MCM) sold 5,000 shares on 2025-11-06
• Yung John (President, Intl. and Cabot) sold 5,000 shares on 2025-11-06