PRA Group, Inc. (PRAA) Q3 2025 Earnings Call

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WEBVTT 00:00:01.887 -- 00:00:07.614 Good evening and welcome to PRE Group's third quarter 2025 conference call. 00:00:07.614 -- 00:00:10.658 All participants will be in listen-only mode. 00:00:10.658 -- 00:00:14.823 Should you need assistance, please press signal A conference specialist by pressing the 00:00:14.823 -- 00:00:19.628 star key followed by zero. After today's presentation, there will be an opportunity to 00:00:19.628 -- 00:00:24.194 ask questions. To ask a question, you may press star, then the number one on your touch-tone 00:00:24.194 -- 00:00:28.960 phone. To withdraw your question, please press star, then the number two. 00:00:28.960 -- 00:00:31.773 Please note this event is being recorded. 00:00:31.773 -- 00:00:33.555 I would now like to turn the call over to Mr. 00:00:33.555 -- 00:00:37.879 Najima Mustamand, Vice President, Investor Relations for PRA. 00:00:37.879 -- 00:00:39.580 Ru, please go ahead. 00:00:39.580 -- 00:00:43.424 Thank you. Good evening, everyone, and thank you for joining us. 00:00:43.424 -- 00:00:48.508 With me today are Martin Sholand, President and Chief Executive Officer, and 00:00:48.508 -- 00:00:53.953 Rakesh Sehgal, Executive Vice President and Chief Financial Officer. 00:00:53.953 -- 00:00:58.117 We will make forward-looking statements during the call, which are based on management's 00:00:58.117 -- 00:01:02.605 current beliefs projections, assumptions, and expectations. 00:01:02.605 -- 00:01:06.869 We assume no obligation to revise or update these statements. 00:01:06.869 -- 00:01:12.535 We caution listeners that these forward-looking statements are subject to risks, uncertainties, 00:01:12.535 -- 00:01:17.601 assumptions, and other factors that could cause our actual results to differ materially 00:01:17.601 -- 00:01:20.00...