Encore Capital Group Inc (ECPG) Q2 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:02.193 Good day, everyone, and thank you for standing by. 00:00:02.193 -- 00:00:08.239 Welcome to the Encore Capital Group's second quarter 2025 earnings conference call. 00:00:08.239 -- 00:00:11.723 At this time, all participants are in a listen-only mode. 00:00:11.723 -- 00:00:14.886 After the speaker's presentation, there will be a question and answer session. 00:00:14.886 -- 00:00:20.572 To ask a question during the session, you will need to press star 11 on your telephone. 00:00:20.572 -- 00:00:24.176 You will then hear an automated message advising your hand is raised. 00:00:24.176 -- 00:00:28.128 To withdraw your question, please press star 11 again. 00:00:28.128 -- 00:00:31.914 Please be advised that today's conference is being recorded. 00:00:31.914 -- 00:00:36.280 I would now like to hand the conference over to your first speaker today, Bruce Thomas, 00:00:36.280 -- 00:00:39.205 VP of Global Investor Relations for Encore. 00:00:39.205 -- 00:00:42.106 Bruce, please go ahead. 00:00:44.312 -- 00:00:45.494 Thank you, operator. 00:00:45.494 -- 00:00:50.622 Good afternoon and welcome to Encore Capital Group's second quarter 2025 earnings 00:00:50.622 -- 00:00:55.870 call. Joining me on the call today are Ashish Massey, our President and Chief 00:00:55.870 -- 00:01:00.902 Executive Officer, Tomas Hernan, Executive Vice President and Chief Financial 00:01:00.902 -- 00:01:06.048 Officer, Ryan Bell, President of Midland Credit Management, and John Young, 00:01:06.048 -- 00:01:10.913 President of Cabot Credit Management. Ashish and Tomas will make prepared remarks today 00:01:10.913 -- 00:01:14.096 and then we'll be happy to take your questions. 00:01:14.096 -- 00:01:18.141 Unless otherwise noted, comparisons on this conference call will b...