Jefferson Capital, Inc. (JCAP) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.058 Good afternoon, and welcome to the Jefferson Capital's third quarter 2025 00:00:05.058 -- 00:00:10.926 conference call. With us today are David Burton, founder and chief executive officer, 00:00:10.926 -- 00:00:14.451 and Christo Ryulov, chief financial officer. 00:00:14.451 -- 00:00:18.596 As a reminder, this conference call is being recorded. 00:00:18.596 -- 00:00:23.663 This call may contain forward-looking statements regarding the company's plans, initiatives, 00:00:23.663 -- 00:00:25.225 and strategies, 00:00:25.225 -- 00:00:30.265 and the anticipated financial performance of the company including but not limited 00:00:30.265 -- 00:00:32.829 to sales and profitability. 00:00:32.829 -- 00:00:38.938 Such statements are based upon management's current expectations, projections, 00:00:38.938 -- 00:00:44.666 estimates, and assumptions. Words such as expect, believe, anticipate, 00:00:44.666 -- 00:00:50.194 think, outlook, hope, and variations of such words and similar expressions 00:00:50.194 -- 00:00:53.559 identify such forward-looking statements. 00:00:53.559 -- 00:00:58.819 Forward-looking statements involve known and unknown risks and uncertainties that may 00:00:58.819 -- 00:01:03.283 cause future results to differ materially from those suggested by the forward-looking 00:01:03.283 -- 00:01:08.587 statements. Such risks and uncertainties are further disclosed in the company's 00:01:08.587 -- 00:01:12.671 most recent filings with the Securities and Exchange Commission. 00:01:12.671 -- 00:01:17.716 Shareholders, potential investors, and other readers are urged to consider these factors 00:01:17.716 -- 00:01:23.080 carefully in evaluating the forward-looking statements made herein and are cautioned 00:01:23.080 -- 00:01:27.925 n...