Encore Capital Group Inc (ECPG) Q1 2026 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:04.075 Good day and thank you for standing by. Welcome to the Encore Capital Group's first quarter 00:00:04.075 -- 00:00:10.021 2026 earnings conference call. At this time, all participants are in a listen-only mode. 00:00:10.021 -- 00:00:14.125 After the speaker's presentation, there will be a question and answer session. 00:00:14.125 -- 00:00:18.609 To ask a question during the session, you will need to press star 1-1 on your telephone. 00:00:18.609 -- 00:00:22.093 You will then hear an automated message advising your hand is raised. 00:00:22.093 -- 00:00:24.495 To withdraw your question, please press star 1-1 again. 00:00:24.495 -- 00:00:28.280 Please be advised that today's conference is being recorded. 00:00:28.280 -- 00:00:32.106 I would now like to hand the conference over to your first speaker today, Bruce Thomas, 00:00:32.106 -- 00:00:34.529 Vice President of Global Investor Relations. 00:00:34.529 -- 00:00:36.592 Please go ahead. 00:00:36.592 -- 00:00:41.119 Thank you, operator. Good afternoon and welcome to Encore Capital Group's first quarter 00:00:41.119 -- 00:00:46.286 2026 earnings call. Joining me on the call today are Ashish Massey, 00:00:46.286 -- 00:00:51.293 our President and Chief Executive Officer, Tomas Hernández, Executive Vice President 00:00:51.293 -- 00:00:56.545 and Chief Financial Officer, and Ryan Bell, President of Midland Credit Management. 00:00:56.545 -- 00:01:00.969 Ashish and Tomas will make prepared remarks today, and then we'll be happy to take your 00:01:00.969 -- 00:01:02.430 questions. 00:01:02.430 -- 00:01:06.514 Unless otherwise noted, comparisons on this conference call will be made between the 00:01:06.514 -- 00:01:09.897 first quarter of 2026 and the first quarter of 2025. 00:01:09.897 -- 00:0...