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Encore Capital Group is a systems-driven purchaser and manager of charged-off consumer receivable portfolios. The company s success is built upon developing mutually beneficial relationships with its customers, debt sellers and buyers, business partners and employees. Portfolios are purchased at deep discounts from their face values using its proprietary valuation process. Based upon an ongoing analysis of these accounts, Encore employs a dynamic mix of collection strategies to maximize its return on investment. Generally, the objective is to purchase portfolios at a price that allows the company to recoup its purchase price within 12 months, and at least three times the purchase price throughout 54 months. The company trades on NASDAQ under the symbol ECPG. It is headquartered in San Diego.

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