Encore Capital Group, Inc. (ECPG)

Debt purchaser and collector, 7,350 employees, 79% abroad. Read October 19, 2026 from the annual report for the period ending December 31, 2025, filed February 25, 2026. Ranked 1 of the 101 Financial Services companies read so far, by the share within reach now.

A debt collection company whose filing states 7,350 employees with 21% in the U.S. and nothing by kind of work, so the whole workforce is read at business support services.

The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.

What follows from the reading

Share of working time within reach of AI, on the long-run pace at four in five: 47% now, 56% at the end of 2027, 59% at the end of 2028, 60% at the end of 2030. By the patterns, the work is about 60% desk work, 31% people work and 10% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 41% of the working time stays with people (conversation, in-person and hands-on work), 40% becomes checking a model's work and 18% could be handed over with lighter checks, from the industries' own figures, not the company's roles.

Headcount

7,350 employees as of December 31, 2025 (stated). Stated: approximately 21% in the United States and 79% in international locations.

The filing: “As of December 31, 2025, we had approximately 7,350 employees, of which approximately 21% were in the United States and 79% were in our international locations.”

The workforce as industry patterns

What the filing says about the workforce: Approximately 7,350 employees as of December 31, 2025 (7,350 a year earlier): about 21% in the United States and 79% abroad; no North American union representation, collective bargaining agreements in Spain, France and the United Kingdom; about 50% women.

Companies read with the same leading pattern

Other companies whose largest staffing pattern is also Business Support Services, largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five.

• Concentrix Corporation (CNXC, 455,000 employees)44% now, 60% by 2028
• Genpact Limited (G, 146,500 employees)36% now, 63% by 2028
• TaskUs, Inc. (TASK, 65,500 employees)47% now, 59% by 2028
• ExlService Holdings, Inc. (EXLS, 65,000 employees)37% now, 63% by 2028
• Conduent Incorporated (CNDT, 51,000 employees)47% now, 59% by 2028
• TTEC Holdings, Inc. (TTEC, 51,000 employees)47% now, 59% by 2028
• Maximus, Inc. (MMS, 37,200 employees)46% now, 59% by 2028
• IBEX Limited (IBEX, 35,000 employees)47% now, 59% by 2028

What the filing says about AI

2 sentences in the filing name AI. The filing says it may not succeed in adopting technological changes including automation and AI on time, and that concerns about new digital or AI-enabled collection technologies could bring negative publicity.

• “We may not be successful in anticipating, investing in, or adopting technological changes, including emerging automation and artificial intelligence (AI) capabilities, on a timely or cost-effective basis.”
• “Negative publicity about our alleged or actual debt collection practices, the debt collection industry in general, our cybersecurity or any exfiltration or disclosure of sensitive data, and concerns related to the use of new digital or artificial intelligence AI‑enabled collection technologies could adversely affect our stock price, our position in the marketplace in which we compete, and our a...”

Its annual reports, year by year

Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector

• Fiscal 20210median 0
• Fiscal 20220median 0
• Fiscal 20230median 1
• Fiscal 20240median 4
• Fiscal 20252median 10

Headcount by filing year

As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.

Limits of this reading

• No count by kind of work: the whole workforce is read at one pattern by description (c); the data service's segment table is from 2016.

Source: the company's annual report on EDGAR, accession 0001084961-26-000009, the filing. Read by Claude Fable 5.1 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.