Regional Management Corp. (RM) Q1 2026 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:06.117 Greetings and welcome to the Regional Management First Quarter 2026 Earnings Call. 00:00:06.117 -- 00:00:09.481 At this time, all participants are in a listen-only mode. 00:00:09.481 -- 00:00:12.624 A question and answer session will follow the formal presentation. 00:00:12.624 -- 00:00:17.749 If anyone should require operator assistance during the conference, please press 00:00:17.749 -- 00:00:22.714 star zero on your telephone keypad. Please note this conference is being recorded. 00:00:22.714 -- 00:00:27.319 I will now turn the conference over to your host, Garrett Edson. 00:00:27.319 -- 00:00:28.938 Please go ahead. 00:00:28.938 -- 00:00:32.962 Thank you and good afternoon. By now, everyone should have access to our earnings announcement 00:00:32.962 -- 00:00:36.886 supplemental presentation, which were released prior to this call and may be found on 00:00:36.886 -- 00:00:39.448 our website at regionalmanagement.com. 00:00:39.448 -- 00:00:42.972 Before we begin our formal remarks, I will direct you to page two of our supplemental 00:00:42.972 -- 00:00:46.835 presentation, which contains important disclosures concerning forward-looking statements 00:00:46.835 -- 00:00:49.218 and the use of non-GAAP financial measures. 00:00:49.218 -- 00:00:52.381 Part of our discussion today may include forward-looking statements, which are based 00:00:52.381 -- 00:00:56.345 on management's current expectations, estimates, and projections about the company's 00:00:56.345 -- 00:00:59.043 future financial performance and business prospects. 00:00:59.043 -- 00:01:03.187 These forward-looking statements speak only as of today and are subject to various assumptions, 00:01:03.187 -- 00:01:06.650 risks, uncertainties, and other factors that are difficu...