Encore Capital Group Inc (ECPG) Q1 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.797 Welcome to the Encore Capital Group's first quarter 2025 earnings conference call. 00:00:05.797 -- 00:00:09.181 At this time, all participants are in a listen-only mode. 00:00:09.181 -- 00:00:13.386 After the speaker's presentation, there will be a question and answer session. 00:00:13.386 -- 00:00:18.331 To ask a question during the session, you will need to press star 11 on your telephone, 00:00:18.331 -- 00:00:22.616 and you will then hear an automated message advising that your hand is raised. 00:00:22.616 -- 00:00:26.600 To withdraw your question, please press star 11 again. 00:00:26.600 -- 00:00:30.355 Please be advised that today's conference is being recorded. 00:00:30.355 -- 00:00:34.619 I would now like to hand the conference over to your first speaker today, Bruce Thomas, 00:00:34.619 -- 00:00:38.003 VP of Global Industrial Relations for Encore. 00:00:38.003 -- 00:00:41.084 Bruce, please go ahead. 00:00:41.926 -- 00:00:43.068 Thank you, operator. 00:00:43.068 -- 00:00:48.853 Good afternoon and welcome to Encore Capital Group's first quarter 2025 earnings call. 00:00:48.853 -- 00:00:53.998 Joining me on the call today are Ashish Massey, our President and Chief Executive Officer, 00:00:53.998 -- 00:00:59.269 Tomas Hernández, Executive Vice President and Chief Financial Officer, Ryan Bell, 00:00:59.269 -- 00:01:04.914 President of Midland Credit Management, and John Young, President of Cabot Credit Management. 00:01:04.914 -- 00:01:09.739 Tomas succeeded Jonathan Clark as Encore's CFO on April 1st. 00:01:09.739 -- 00:01:14.143 Ashish and Tomas will make prepared remarks today, and then we'll be happy to take your 00:01:14.143 -- 00:01:16.105 questions. 00:01:16.105 -- 00:01:20.069 Unless otherwise noted, comparisons on this...