PRA Group, Inc. (PRAA) Q2 2025 Earnings Call

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WEBVTT 00:00:01.145 -- 00:00:06.791 Good evening and welcome to PRA Group's second quarter 2025 conference call. 00:00:06.791 -- 00:00:09.955 All participants will be in a listen-only mode. 00:00:09.955 -- 00:00:14.099 Should you need assistance, please signal a conference specialist by pressing star key 00:00:14.099 -- 00:00:16.041 followed by zero. 00:00:16.041 -- 00:00:20.666 After today's presentation, there will be an opportunity to ask questions. 00:00:20.666 -- 00:00:25.712 To ask a question, you may press star, then the number one on your touchtone phone. 00:00:25.712 -- 00:00:29.866 To withdraw your question, please press star, then the number two. 00:00:29.866 -- 00:00:32.930 Please note this event is being recorded. 00:00:32.930 -- 00:00:35.334 I would now like to turn the conference call over to Mr. 00:00:35.334 -- 00:00:40.260 Najee Mastaman, Vice President, Investor Relations for PRA Group. 00:00:40.260 -- 00:00:42.821 Please go ahead. 00:00:45.087 -- 00:00:46.549 Thank you, Operator. 00:00:46.549 -- 00:00:49.273 Good evening, everyone, and thank you for joining us. 00:00:49.273 -- 00:00:54.560 With me today are Martin Sholand, President and Chief Executive Officer, and Rakesh 00:00:54.560 -- 00:00:58.807 Sehgal, Executive Vice President and Chief Financial Officer. 00:00:58.807 -- 00:01:02.973 We will make forward-looking statements during the call which are based on management's 00:01:02.973 -- 00:01:07.820 current beliefs, projections, assumptions, and expectations. 00:01:07.820 -- 00:01:11.966 We assume no obligation to revise or update these statements. 00:01:11.966 -- 00:01:17.354 We caution listeners that these forward-looking statements are subject to risks, uncertainties, 00:01:17.354 -- 00:01:22.502 assumptions, and other factors that could ca...