Jefferson Capital, Inc. (JCAP) Q2 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.737 Good afternoon, and welcome to Jefferson Capital's second quarter 2025 00:00:05.737 -- 00:00:11.322 conference call. With us today are David Burton, Chief Executive 00:00:11.322 -- 00:00:16.888 Officer, and Christo Ryloff, Chief Financial Officer. 00:00:16.888 -- 00:00:21.731 As a reminder, this conference call is being recorded. 00:00:22.113 -- 00:00:27.378 This call may contain forward-looking statements regarding the company's plans, 00:00:27.378 -- 00:00:33.419 initiatives, strategies, and the anticipated financial performance of the company, 00:00:33.419 -- 00:00:38.227 including but not limited to sales and profitability. 00:00:38.227 -- 00:00:43.955 Such statements are based upon management's current expectations, projections, 00:00:43.955 -- 00:00:46.259 estimates and assumptions. 00:00:46.259 -- 00:00:51.867 Words such as expect, believe, anticipate, think, 00:00:51.867 -- 00:00:54.471 outlook, hope 00:00:54.471 -- 00:01:00.062 and variations of such words and similar expressions identify such forward-looking 00:01:00.062 -- 00:01:01.784 statements. 00:01:01.784 -- 00:01:07.631 Forward-looking statements involve known and unknown risks and uncertainties 00:01:07.631 -- 00:01:12.777 that may cause future results to differ materially from those suggested by 00:01:12.777 -- 00:01:15.340 the forward-looking statements. 00:01:15.340 -- 00:01:20.747 Such risks and uncertainties are further disclosed in the company's most 00:01:20.747 -- 00:01:25.871 recent filings with the Securities and Exchange Commission. 00:01:26.077 -- 00:01:31.142 shareholders, potential investors, and other readers are urged to consider 00:01:31.142 -- 00:01:36.507 these factors carefully in evaluating the forward-looking statements 00:01:36.507 -- 00:01:...