Portfolio Purchases $346M up 23$663M up 20% ERC2 $9.5B up 10$3.17 up 152% Average Receivable Portfolios1 $4.2B up 16% Encore Capital Group, Inc. 2 Q3 2025 Financial Highlights Third Quarter 2025 Investor Presentation Encore Capital Group, Inc. November 5, 2025 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," "project ...