PRA Group, Inc. (PRAA) Q2 2026 Earnings Call

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WEBVTT 00:00:00.979 -- 00:00:05.862 Good evening and welcome to PRA Group's second quarter 2026 00:00:05.862 -- 00:00:10.264 conference call. All participants will be in listen-only mode. 00:00:10.264 -- 00:00:15.247 Should you need assistance, please signal a conference specialist by pressing the star 00:00:15.247 -- 00:00:20.830 key followed by zero. After today's presentation, there will be an opportunity 00:00:20.830 -- 00:00:25.832 to ask questions. To ask a question, you may press star, then one on your 00:00:25.832 -- 00:00:31.593 touchtone phone. To withdraw your question, please press star, then number two. 00:00:31.593 -- 00:00:34.234 Please note, this event is being recorded. 00:00:34.234 -- 00:00:35.834 I 00:00:35.834 -- 00:00:38.495 would now like to turn the call over to Mr. 00:00:38.495 -- 00:00:44.116 Najee Mostamant, Vice President, Investor Relations for PRA Group. 00:00:44.116 -- 00:00:46.417 Please go ahead. 00:00:46.417 -- 00:00:50.638 Thank you, Operator. Good evening, everyone, and thank you for joining us. 00:00:50.638 -- 00:00:55.859 With me today are Martin Sjolund, President and Chief Executive Officer, and Rakesh 00:00:55.859 -- 00:01:00.365 Sehgal, Executive Vice President and Chief Financial Officer. 00:01:00.365 -- 00:01:04.189 We will make forward-looking statements during the call which are based on management's 00:01:04.189 -- 00:01:08.613 current beliefs, projections, assumptions, and expectations. 00:01:08.613 -- 00:01:12.497 We assume no obligation to revise or update these statements. 00:01:12.497 -- 00:01:17.862 We caution listeners that these forward-looking statements are subject to risks, uncertainties, 00:01:17.862 -- 00:01:23.067 assumptions, and other factors that could cause our actual results to differ materially 00:01:2...