Jefferson Capital, Inc. (JCAP) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.896 Good afternoon, and welcome to Jefferson Capital's fourth quarter and full year 2025 00:00:04.896 -- 00:00:09.920 conference call. With us today are David Burton, Founder and Chief Executive Officer, 00:00:09.920 -- 00:00:13.023 and Crystal Relov, Chief Financial Officer. 00:00:13.023 -- 00:00:16.426 As a reminder, this conference call is being recorded. 00:00:16.426 -- 00:00:20.890 This call may contain forward-looking statements regarding the company's plans, initiatives, 00:00:20.890 -- 00:00:25.795 and strategies, and the anticipated financial performance of the company, including, 00:00:25.795 -- 00:00:28.668 but not limited to, sales and profitability. 00:00:28.668 -- 00:00:33.834 expected benefits of the Bluestem acquisition, expectations on the market 00:00:33.834 -- 00:00:39.941 and macroeconomic factors, and expected collections and growth in certain collections. 00:00:39.941 -- 00:00:45.167 Such statements are based upon management's current expectations, projections, estimates, 00:00:45.167 -- 00:00:50.474 and assumptions. Words such as expect, believe, anticipate, think, 00:00:50.474 -- 00:00:55.379 outlook, hope, and variations of such words and similar expressions identify such forward-looking 00:00:55.379 -- 00:00:59.671 statements. Forward-looking statements involve known and unknown risks and uncertainties 00:00:59.671 -- 00:01:03.976 that may cause future results that differ materially from those suggested by the forward-looking 00:01:03.976 -- 00:01:08.701 statements. Such risks and uncertainties are further disclosed in the company's most 00:01:08.701 -- 00:01:11.825 recent filings with the Securities and Exchange Commission. 00:01:11.825 -- 00:01:16.009 Shareholders, potential investors, and other readers are ...