Encore Capital Group Inc (ECPG) Q4 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:02.553 Good day, everyone, and thank you for standing by. 00:00:02.553 -- 00:00:07.978 Welcome to the Encore Capital Group's fourth quarter 2025 earnings 00:00:07.978 -- 00:00:13.624 conference call. At this time, all participants are in a listen-only mode. 00:00:13.624 -- 00:00:18.088 After the speaker's presentation, there'll be a question and answer session. 00:00:18.088 -- 00:00:23.273 To ask a question during the session, you need to press star 11 on your telephone. 00:00:23.273 -- 00:00:27.588 You'll then hear an automated message advising your hand is raised. 00:00:27.588 -- 00:00:32.413 To withdraw your question, please press star 11 again. 00:00:32.413 -- 00:00:35.437 Please be advised that today's conference is being recorded. 00:00:35.437 -- 00:00:40.882 I would now like to hand the conference over to your first speaker today, Bruce Thomas, 00:00:40.882 -- 00:00:45.087 Vice President of Global Investor Relations for Encore. 00:00:45.087 -- 00:00:46.228 Bruce, please go ahead. 00:00:46.228 -- 00:00:48.228 Thank 00:00:48.591 -- 00:00:52.936 you, Operator. Good afternoon, and welcome to Encore Capital Group's fourth quarter 2025 00:00:52.936 -- 00:00:58.214 earnings call. Joining me on the call today are Ashish Masih, 00:00:58.214 -- 00:01:03.060 our President and Chief Executive Officer, Tomas Hernandez, Executive Vice President 00:01:03.060 -- 00:01:08.305 and Chief Financial Officer, Ryan Bell, President of Midland Credit Management, and John 00:01:08.305 -- 00:01:11.829 Young, President of Cabot Credit Management. 00:01:11.829 -- 00:01:16.214 Ashish and Tomas will make prepared remarks today, and then we'll be happy to take your 00:01:16.214 -- 00:01:17.736 questions. 00:01:17.736 -- 00:01:21.780 Unless otherwise noted, compar...