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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of

the Securities Exchange Act of 1934

Date of report (Date of earliest event reported): September 18, 2013

ENCORE CAPITAL GROUP, INC.

(Exact Name of Registrant as Specified in Charter)

(877) 445-4581

(Registrant’s telephone number, including area code)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

A copy of an investor slide presentation given by Paul Grinberg, Chief Financial Officer, of Encore Capital Group, Inc. (the “Company”), at an investor presentation on September 18, 2013, is furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein solely for purposes of this Item 7.01.

The information in this Current Report on Form 8-K, including the information contained in Exhibit 99.1, is being furnished to the Securities and Exchange Commission pursuant to Item 7.01, and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”) or otherwise subject to the liabilities of that section, and shall not be deemed to be incorporated by reference into any filing under the Securities Act of 1933 or the Exchange Act, except as shall be expressly set forth by a specific reference in such filing.

Cautionary Statement Regarding Forward-Looking Statements

The statements in this Current Report on Form 8-K and the exhibits filed herewith that are not historical facts, including, most importantly, those statements preceded by, or that include, the words “will,” “may,” “believe,” “projects,” “expects,” “anticipates” or the negation thereof, or similar expressions, constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 (the “Reform Act”). These statements may include, but are not limited to, statements regarding our future operating results, earnings per share, and growth. For all “forward-looking statements,” the Company claims the protection of the safe harbor for forward-looking statements contained in the Reform Act. Such forward-looking statements involve risks, uncertainties and other factors which may cause actual results, performance or achievements of the Company and its subsidiaries to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements. These risks, uncertainties and other factors are discussed in the reports filed by the Company with the Securities and Exchange Commission, including the most recent reports on Forms 10-K and 10-Q, as they may be amended from time to time. The Company disclaims any intent or obligation to update these forward-looking statements.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

EXHIBIT INDEX

ENCORE CAPITAL GROUP, INC. THE 4TH ANNUAL CREDIT SUISSE SMALL/MID CAP CONFERENCE September 18, 2013 Exhibit 99.1

PROPRIETARY CAUTIONARY NOTE ABOUT FORWARD-LOOKING STATEMENTS 2 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,” “projects,” “expects,” “anticipates” or the negation thereof, or similar expressions, constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 (the “Reform Act”). These statements may include, but are not limited to, statements regarding our future operating results, earnings per share, and growth. For all “forward-looking statements,” the Company claims the protection of the safe harbor for forward-looking statements contained in the Reform Act. Such forward-looking statements involve risks, uncertainties and other factors which may cause actual results, performance or achievements of the Company and its subsidiaries to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements. These risks, uncertainties and other factors are discussed in the reports filed by the Company with the Securities and Exchange Commission, including the most recent reports on Forms 10-K and 10-Q, as they may be amended from time to time. The Company disclaims any intent or obligation to update these forward-looking statements.

PROPRIETARY ENCORE IS A LEADING PLAYER IN THE CONSUMER DEBT BUYING AND RECOVERY INDUSTRY 3 We deploy capital to acquire delinquent consumer receivables... ... and generate predictable cash flows over a multi-year time horizon Total Cash Collections Portfolio Purchase Price Illustrative cash collections 2-3x Years 1-2 Years 3-4 Years 5-6 Years 7-8 1 in 7 American consumers have accounts with us 3.1 million consumers have satisfied their obligations $2.7 billion in estimated remaining collections 27% Adjusted EBITDA † 5-year compound annual growth rate 3,530 employees worldwide $1 billion collected in the last twelve months † Adjusted EBITDA is a non-GAAP number which the Company considers to be and utilizes as a meaningful indicator of operating performance.  See Reconciliation of Adjusted EBITDA to GAAP Net Income at the end of this presentation.

PROPRIETARY WITH A STRONG DOMESTIC AND INTERNATIONAL PRESENCE 4 St Cloud, MN Phoenix, AZ New Delhi, India Call Center / Technology Site Call Center Site Call Center Site San Diego, CA Headquarters / Call Center Site Call Center Site Costa Rica San Antonio, TX Propel Cabot HQ / Call Center Sites West Malling, UK Stratford-upon-Avon, UK Call Center Site Dublin, Ireland Tampa, FL Call Center Site Warren, MI Call Center Site

PROPRIETARY Contingency collection agency Collection time frame • 4-6 months Consumer experience Pressure • Artificial deadlines • Multiple exchanges of sensitive data • Counterproductive incentives Outcome • Consumer is confused and frustrated ENCORE PROVIDES A PRINCIPLED AND ESSENTIAL SERVICE 5 • 84 months to recover financially Partnership • Create partnership strategy and set goals • Tailor solutions to individuals  • Single point of contact • Maximizes repayment likelihood, and ensures fair treatment Relationship is transactional • Attempt to collect during initial delinquency cycle • Consumer is “charged- off” by issuer on day 181 of cycle • No longer considered a “customer” by creditor Original creditor

PROPRIETARY OUR BUSINESS PRINCIPLES ARE BUILT ON TREATING CONSUMERS FAIRLY AND WITH RESPECT 6 Understanding our consumers • Acknowledging limitations of our consumers’ household balance sheets to align recovery plans • Deploying specialized surveys to test consumer satisfaction Making focused investments • Built specialized non-collections work groups to serve consumer needs • Established Consumer Credit Research Institute to better understand the financially stressed consumer Improving consumer experience • Living the Consumer Bill of Rights • Creating resources and directing financially stressed consumers to best external references • Founded Consumer Experience Council

PROPRIETARY ENCORE HAS DELIVERED A TRACK RECORD OF STRONG, SUSTAINABLE FINANCIAL RESULTS 7 1. Cost to Collect is Adjusted Operating Expenses / Dollar Collected.  See Reconciliation of Adjusted Operating Expenses to GAAP Total Operating Expenses at the end of this presentation. 2. Adjusted EBITDA is a non-GAAP number which the Company considers to be and utilizes as a meaningful indicator of operating performance. See Reconciliation of Adjusted EBITDA to GAAP Net Income at the end of this presentation. 3. Per Fully Diluted Share from Continuing Operations Note: Growth rate percentages for Cash Collections, Adjusted EBITDA, and EPS signify compounded annual growth rate from 2007 - 2012 Strong business fundamentals... Cash Collections ($M) 12 948 11 761 10 604 09 487 08 398 07 355 +22% Cost to Collect 1 (%) 12 40.4 11 42.2 10 43.7 09 47.6 08 50.2 07 51.5 -1100 BPS ...driving profitable growth Adjusted EBITDA 2 ($M) 12 577 11 444 10 343 09 260 08 205 07 175 +27% Earnings Per Share 3 ($) +42% 12 3.04 11 2.36 10 1.89 09 1.28 08 0.55 07 0.52

PROPRIETARY AND HAS CONTINUED TO BUILD UPON THIS PERFORMANCE WITH STRONG RESULTS THIS YEAR H1 2013 H1 2012 Increase/ (Decrease) Collections $549 $472 16% Revenue $301 $268 12% Cost to collect 1 37.7% 38.9% (120 bps) Adjusted EBITDA 2 $352 $292 21% Adjusted EPS 3 $1.70 $1.54 10% 8 1. Cost to Collect is Adjusted Operating Expenses / Dollar Collected. See Reconciliation of Adjusted Operating Expenses to GAAP Total Operating Expenses at the end of this presentation. 2. Adjusted EBITDA is a non-GAAP number which the Company considers to be and utilizes as a meaningful indicator of operating performance. See Reconciliation of Adjusted EBITDA to GAAP Net Income at the end of this presentation. 3. See reconciliation of Adjusted EPS to GAAP EPS at the end of this presentation. Year over year financial results

PROPRIETARY Estimated Remaining Collections in core receivables ENCORE HAS RAPIDLY GAINED SCALE AND POSITIONED ITSELF FOR SUSTAINED GROWTH 9 ($M)

PROPRIETARY THIS SCALE HAS BEEN CREATED BY MARKET LEADING INVESTMENTS 10 Capital deployed in core receivables

PROPRIETARY ENCORE HAS DELIVERED INDUSTRY LEADING TOTAL SHAREHOLDER RETURN OVER THE PAST 5+ YEARS 11 Total Shareholder Return (Dec. 2007- Aug. 2013) 2% NASDAQ Financial 100: 30% Encore Capital: 8% S&P SmallCap 600: (%) 6% Russell 2000:

PROPRIETARY New asset classes Bankrupt accounts Outsourcing services International Secured assets Performing assets WE HAVE PURSUED DEALS AND INITIATIVES THAT ALIGN WITH OUR CORE BUSINESS 12 Expand geographically Focus on bankruptcy Cover different type of debt

PROPRIETARY Largely satisfies our 2013 purchasing goals with attractive returns 13 THE ASSET ACCEPTANCE DEAL IS WELL ALIGNED WITH OUR STRATEGY AND ADDS $1 BILLION TO OUR ERC Allows us to be selective in purchases for the remainder of the year Able to leverage best practices across the two platforms to drive synergies

PROPRIETARY WE HAVE MADE SIGNIFICANT PROGRESS EXECUTING OUR PLANS FOR PROPEL 14 Our plan Existing market • Working to penetrate the 80% of the Texas market that doesn't use tax lien transfers 1 What we've delivered • Developed & implemented model for direct mailing • Started outbound calling w/existing Encore facilities New markets • Lobbying to introduce legislation in other states that will create new markets 2 • Successfully worked with Nevada to pass legislation • Advancing legislative push to other states • Purchased tax lien certificates in three states New opportunities • Exploring alternative tax lien models that will allow us to expand into new markets 3

PROPRIETARY Market leader in U.K. debt management • Over 14 years of collections growth • Operations in Great Britain and Ireland Specializes in higher balance, “semi- performing” (i.e., paying) accounts • Favorable repayment characteristics Key statistics as of June 30, 2013: • £8.4B face-value of debt acquired for £761M • Statutory ERC of £1,043M • 3.8M customer accounts • 2013 H1 collections of £81M • 2013 H1 capital deployment of £84M CABOT IS THE LEADING PURCHASER OF DEBT IN THE U.K. 15 Leverage Encore's operations and know- how • Enhance collections by leveraging Encore's efficient operations, including our operations in India • Leverage Encore's experience in secondary and tertiary debt  to pursue new investments in the U.K. • Leverage Encore’s favorable financing to fund growth Leverage Encore's analytics • Deploy Encore's superior analytical capabilities to the Cabot platform • Focus on improving account segmentation and specialized collection strategies

PROPRIETARY WE ARE WELL POSITIONED TO MAINTAIN OUR MOMENTUM AND CONTINUE DELIVERING TOP QUARTILE TSR 16 Management Team    • Learning Organization    • Principled Intent Growth, Margin Expansion, Free Cash Flow, PE Multiple Expansion Top Quartile Total Shareholder Return • Specialized call centers • Efficient international operations • Internal legal platform Operational Scale & Cost Leadership 2 Strong Capital Stewardship 3 • Consumer intelligence • Data driven, predictive modeling • Portfolio valuation at consumer level • Consumer Credit Research Institute Superior Analytics 1 • Uniquely scalable platform • Strategic investment opportunities in geographic and paper type adjacencies Extendable Business Model 4

PROPRIETARY 17 APPENDIX

PROPRIETARY RECONCILIATION OF ADJUSTED EBITDA Reconciliation of Adjusted EBITDA to GAAP Net Income (Unaudited, In Thousands) Three Months Ended Note: The periods 3/31/07 through 12/31/08 have been adjusted to reflect the retrospective application of ASC 470-20. All periods have been adjusted to show discontinued ACG operations. PROPRIETARY 18

PROPRIETARY RECONCILIATION OF ADJUSTED EPS TO GAAP EPS Six Months Ended June 30, 2013 2012 $ Per Diluted Share $ Per Diluted Share Net income from continuing operations 30,460 $1.24 37,096 $1.44 Adjustments: Convertible notes non-cash interest and issuance cost amortization, net of tax 1,000 $0.04 Acquisition related legal and advisory fees, net of tax 4,980 $0.20 2,567 $0.10 Acquisition related integration and severance costs, and consulting fees, net of tax 3,304 $0.13 Acquisition related other expenses, net of tax 2,198 $0.09 Adjusted income from continuing operations 41,942 $1.70 39,663 $1.54 19

PROPRIETARY RECONCILIATION OF ADJUSTED OPERATING EXPENSES 2007 2008 2009 2010 2011 2012 H1 2012 H1 2013 GAAP total operating expenses, as reported $201,849 $216,900 249,782 $269,952 $328,566 $401,696 $194,203 $232,110 Adjustments: Ascension Operating Costs (14,801) (13,369) (13,218) Stock-based compensation expense (4,287) (3,564) (4,384) (6,010) (7,709) (8,794) (4,805) (5,180) Tax lien business segment operating expenses (5,681) (1,513) (6,526) Acquisition related legal and advisory fees (4,263) (4,263) (8,224) Acquisition related integration and severance costs, and consulting fees (5,455) Adjusted operating expenses $182,761 $199,967 $232,180 $263,942 $320,857 $382,958 $183,622 $206,725 20 Reconciliation of Adjusted Operating Cost to GAAP Operating Expenses (Unaudited, In Thousands)