EZCORP, Inc. (EZPW) Q4 2025 Earnings Call

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WEBVTT 00:00:00.183 -- 00:00:04.789 Good morning, ladies and gentlemen. Welcome to the EZ Corp fiscal fourth quarter and 00:00:04.789 -- 00:00:09.816 full year 2025 earnings call. At this time, all participants are in a 00:00:09.816 -- 00:00:14.503 listen-only mode. Later, we will conduct a question-and-answer session, and instructions 00:00:14.503 -- 00:00:19.469 will follow at that time. As a reminder, this call may be recorded. 00:00:19.469 -- 00:00:23.936 I'd now like to turn the conference over to Sean Mansouri, the company's investor relations 00:00:23.936 -- 00:00:28.980 advisor with Elevate IR. Please go ahead, Sean. 00:00:32.414 -- 00:00:37.460 Thank you, and good morning, everyone. During our prepared remarks, we will 00:00:37.460 -- 00:00:42.566 refer to slides which are available for viewing or download from our website at 00:00:42.566 -- 00:00:44.566 investors.easycorp.com. 00:00:45.950 -- 00:00:50.656 Before we begin, I'd like to remind everyone that this conference call, as well as the 00:00:50.656 -- 00:00:55.522 presentation slides, contain certain forward-looking statements regarding the company's 00:00:55.522 -- 00:01:00.207 expected operating and financial performance for future periods. 00:01:00.207 -- 00:01:04.389 These statements are based on the company's current expectations. 00:01:04.732 -- 00:01:09.837 Actual results for future periods may differ materially from those expressed 00:01:09.837 -- 00:01:15.582 due to a number of risks or other factors that are discussed in our annual, quarterly, 00:01:15.582 -- 00:01:20.707 and other reports filed with the Securities and Exchange Commission. 00:01:20.707 -- 00:01:25.832 And as noted in our presentation materials, and unless otherwise identified, 00:01:25.832 -- 00:01:32.214 results are presente...