Jefferson Capital, Inc. (JCAP) Q1 2026 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.259 Good afternoon, and welcome to Jefferson Capital's fourth quarter and full year 2025 00:00:05.259 -- 00:00:10.306 conference call. With us today are David Burton, Founder 00:00:10.306 -- 00:00:15.634 and Chief Executive Officer, and Christo Rylov, Chief Financial Officer. 00:00:15.634 -- 00:00:19.560 As a reminder, this conference call is being recorded. 00:00:19.560 -- 00:00:24.507 This call may contain forward-looking statements regarding the company's plans, initiatives, 00:00:24.507 -- 00:00:29.510 and strategies, and the anticipated financial performance of the company, including 00:00:29.510 -- 00:00:34.919 but not limited to sales and profitability, expected benefits of the Bluestem 00:00:34.919 -- 00:00:40.107 acquisition, expectations on the market and macroeconomic factors, and 00:00:40.107 -- 00:00:43.713 expected collections and growth in certain collections. 00:00:43.713 -- 00:00:48.601 Such statements are based upon management's current expectations, projections, estimates, 00:00:48.601 -- 00:00:50.604 and assumptions. 00:00:50.604 -- 00:00:55.633 Words such as expect, believe, anticipate, think, outlook, 00:00:55.633 -- 00:01:01.066 hope, and variations of such words and similar expressions identify such forward-looking 00:01:01.066 -- 00:01:02.708 statements. 00:01:02.708 -- 00:01:07.432 Forward-looking statements involve known risks and unknown risks and uncertainties that 00:01:07.432 -- 00:01:11.516 may cause future results to differ materially from those suggested by the forward-looking 00:01:11.516 -- 00:01:16.481 statements. Such risks and uncertainties are further disclosed in the company's most 00:01:16.481 -- 00:01:20.084 recent filings with the Securities and Exchange Commission. 00:01:20.084 -- 00:01:24.9...