# EDGAR Filing Document

**Accession Number:** 0001314440
**File Stem:** 0000950170-25-108158
**Filing Date:** 2025-8
**Character Count:** 14611
**Document Hash:** 4032e76834daa62b6e108c5faa6b3798
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000950170-25-108158.hdr.sgml**: 20250813

**ACCESSION NUMBER**: 0000950170-25-108158

**CONFORMED SUBMISSION TYPE**: SCHEDULE 13G

**PUBLIC DOCUMENT COUNT**: 6

**FILED AS OF DATE**: 20250813

**DATE AS OF CHANGE**: 20250813

**SUBJECT COMPANY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** ENCORE CAPITAL GROUP INC
- **CENTRAL INDEX KEY:** 0001084961
- **STANDARD INDUSTRIAL CLASSIFICATION:** SHORT-TERM BUSINESS CREDIT INSTITUTIONS [6153]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 481090909
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** SCHEDULE 13G
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 005-58347
- **FILM NUMBER:** 251212765

**BUSINESS ADDRESS:**
- **STREET 1:** 350 CAMINO DE LA REINA
- **STREET 2:** SUITE 100
- **CITY:** SAN DIEGO
- **STATE:** CA
- **ZIP:** 92108
- **BUSINESS PHONE:** 1-877-345-3002

**MAIL ADDRESS:**
- **STREET 1:** 350 CAMINO DE LA REINA
- **STREET 2:** SUITE 100
- **CITY:** SAN DIEGO
- **STATE:** CA
- **ZIP:** 92108

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** MCM CAPITAL GROUP INC
- **DATE OF NAME CHANGE:** 19990430

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** MIDLAND CORP OF KANSAS
- **DATE OF NAME CHANGE:** 19990423
**FILED BY**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Stephens Investment Management Group LLC
- **CENTRAL INDEX KEY:** 0001314440

**ORGANIZATION NAME:**
- **EIN:** 203456509
- **STATE OF INCORPORATION:** AR
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** SCHEDULE 13G

**BUSINESS ADDRESS:**
- **STREET 1:** 9 GREENWAY PLAZA
- **STREET 2:** SUITE 1900
- **CITY:** HOUSTON
- **STATE:** TX
- **ZIP:** 77046
- **BUSINESS PHONE:** 800-458-6589

**MAIL ADDRESS:**
- **STREET 1:** 111 CENTER STREET
- **CITY:** LITTLE ROCK
- **STATE:** AR
- **ZIP:** 72201

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Stephens Inc.
- **DATE OF NAME CHANGE:** 20050114

### Attached PDF Documents

**Attachment 1:** `ck0000000000-ex99_a.pdf`

_No text found in this document._

**Attachment 2:** `ck0000000000-ex99_b.pdf`

_No text found in this document._

**Attachment 3:** `ck0000000000-ex99_c.pdf`

_No text found in this document._

**Attachment 4:** `ck0000000000-ex99_d.pdf`

_No text found in this document._

**Attachment 5:** `ck0000000000-ex99_e.pdf`

_No text found in this document._

### UNITED STATES SECURITIES AND EXCHANGE COMMISSION
**Washington, D.C. 20549**

## SCHEDULE 13G

### Under the Securities Exchange Act of 1934

**Issuer:** Encore Capital Group, Inc.

**Title of Class of Securities:** Common Stock, $0.01 Par Value Per Share

**CUSIP Number:** 292554102

**Date of Event Which Requires Filing of this Statement:** 06/30/2025

**Check the appropriate box to designate the rule pursuant to which this Schedule is filed:**

- [x] Rule 13d-1(b)

- [ ] Rule 13d-1(c)

- [ ] Rule 13d-1(d)

---

| 1. | Names of Reporting Persons<br>Stephens Investment Management Group, LLC | Names of Reporting Persons<br>Stephens Investment Management Group, LLC |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>AR | Citizenship or Place of Organization<br>AR |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>0 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>1162553 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>0 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>1248831 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>1248831 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>1248831 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>5.3% | Percent of Class Represented by Amount in Row (9)<br>5.3% |
| 12. | Type of Reporting Person (See Instructions)<br>IA | Type of Reporting Person (See Instructions)<br>IA |

---

| 1. | Names of Reporting Persons<br>Stephens Investments Holdings LLC | Names of Reporting Persons<br>Stephens Investments Holdings LLC |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>AR | Citizenship or Place of Organization<br>AR |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>0 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>1162553 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>0 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>1248831 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>1248831 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>1248831 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>5.3% | Percent of Class Represented by Amount in Row (9)<br>5.3% |
| 12. | Type of Reporting Person (See Instructions)<br>HC | Type of Reporting Person (See Instructions)<br>HC |

**Comment for Type of Reporting Person:** Reporting person is a parent holding company of Stephens Investment Management Group LLC in accordance with Rule 13d-1(b)(1)(ii)(G).

---

| 1. | Names of Reporting Persons<br>Warren A. Stephens Trust UID 9/30/87 | Names of Reporting Persons<br>Warren A. Stephens Trust UID 9/30/87 |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>AR | Citizenship or Place of Organization<br>AR |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>0 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>1162553 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>0 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>1248831 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>1248831 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>1248831 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>5.3% | Percent of Class Represented by Amount in Row (9)<br>5.3% |
| 12. | Type of Reporting Person (See Instructions)<br>HC | Type of Reporting Person (See Instructions)<br>HC |

**Comment for Type of Reporting Person:** Reporting person is a parent holding company of Stephens Investment Management Group LLC in accordance with Rule 13d-1(b)(1)(ii)(G).

---

| 1. | Names of Reporting Persons<br>Warren A. Stephens | Names of Reporting Persons<br>Warren A. Stephens |
|:---|:---|:---|:---|
| 2. | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] | Check the Appropriate Box if a Member of a Group (See Instructions)<br>(a) [ ] (b) [x] |
| 3. | SEC Use Only | SEC Use Only |
| 4. | Citizenship or Place of Organization<br>X1 | Citizenship or Place of Organization<br>X1 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 5. | Sole Voting Power<br>0 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 6. | Shared Voting Power<br>1162553 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 7. | Sole Dispositive Power<br>0 |
| Number of<br>Shares<br>Beneficially<br>Owned by<br>Each<br>Reporting<br>Person<br>With | 8. | Shared Dispositive Power<br>1248831 |
| 9. | Aggregate Amount Beneficially Owned by Each Reporting Person<br>1248831 | Aggregate Amount Beneficially Owned by Each Reporting Person<br>1248831 |
| 10. | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] | Check if the Aggregate Amount in Row (9) Excludes Certain Shares (See Instructions) [ ] |
| 11. | Percent of Class Represented by Amount in Row (9)<br>5.3% | Percent of Class Represented by Amount in Row (9)<br>5.3% |
| 12. | Type of Reporting Person (See Instructions)<br>HC | Type of Reporting Person (See Instructions)<br>HC |

**Comment for Type of Reporting Person:** Reporting person is a control person of Stephens Investment Management Group LLC in accordance with Rule 13d-1(b)(1)(ii)(G).

---

**Item 1(a). Name of Issuer:**
Encore Capital Group, Inc.

**Item 1(b). Address of Issuer's Principal Executive Offices:**
350 Camino De La Reina, Suite 100, San Diego, California 92108

**Item 2(a). Name of Person Filing:**
See responses in row 1 on the cover pages of this schedule.

**Item 2(b). Address of Principal Business Office:**
111 Center Street, Little Rock, Arkansas 72201

**Item 2(c). Citizenship:**
See responses in row 4 on the cover pages of this schedule.

**Item 2(d). Title of Class of Securities:**
Common Stock, $0.01 Par Value Per Share

**Item 2(e). CUSIP Number:**
292554102

**Item 3. If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:**

(a) [ ] Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o).

(b) [ ] Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c).

(c) [ ] Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c).

(d) [ ] Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8).

(e) [x] An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);

(f) [ ] An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);

(g) [x] A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);

(h) [ ] A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);

(i) [ ] A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);

(j) [ ] A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), if filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:

(k) [ ] Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).

**Item 4. Ownership:**

**(a) Amount beneficially owned:**

See responses in row 9 on the cover pages of this schedule.

**(b) Percent of class:**

See responses in row 11 on the cover pages of this schedule.

**(c) Number of shares as to which the person has:**

**(i) Sole power to vote or to direct the vote:**

See resposes in row 5 on the cover pages of this schedule.

**(ii) Shared power to vote or to direct the vote:**

See responses in row 6 on the cover pages of this schedule.

**(iii) Sole power to dispose or to direct the disposition of:**

See responses in row 7 on the cover pages of this schedule.

**(iv) Shared power to dispose or to direct the disposition of:**

See responses in row 8 on the cover pages of this schedule.

**Item 5. Ownership of Five Percent or Less of a Class.**

[x] If this statement is being filed to report the fact that as of the date hereof the reporting person has ceased to be the beneficial owner of more than five percent of the class of securities, check the following.

**Item 6. Ownership of More than 5 Percent on Behalf of Another Person.**

Various persons other than the reporting persons have the right to receive or the power to direct the receipt of dividends from, or the proceeds from the sale of, the shares of the Common Stock reported on this schedule.

**Item 7. Identification and Classification of the Subsidiary**

Please see Exhibit B attached hereto.

**Item 8. Identification and Classification of Members of the Group**

Not Applicable

**Item 9. Notice of Dissolution of Group**

Not Applicable

**Item 10. Certification:**

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under ?? 240.14a-11.

### SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

**Stephens Investment Management Group, LLC**

**Date:** 08/12/2025

**By:** Allison Rhodes

**Name & Title:** Allison Rhodes / General Counsel and Chief Compliance Officer

**Stephens Investments Holdings LLC**

**Date:** 08/12/2025

**By:** Todd Ferguson

**Name & Title:** Todd Ferguson / Attorney in fact for reporting person

**Warren A. Stephens Trust UID 9/30/87**

**Date:** 08/12/2025

**By:** Todd Ferguson

**Name & Title:** Todd Ferguson / Attorney in fact for reporting person

**Warren A. Stephens**

**Date:** 08/12/2025

**By:** Todd Ferguson

**Name & Title:** Todd Ferguson / Attorney in fact for reporting person