Regional Management Corp. (RM) Q2 2025 Earnings Call

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WEBVTT 00:00:00.000 -- 00:00:05.360 Greetings and welcome to the Regional Management Second Quarter 2025 Earnings 00:00:05.360 -- 00:00:10.800 Conference Call. At this time, all participants are in a listen-only mode. 00:00:10.800 -- 00:00:15.320 A brief question and answer session will follow the formal presentation. 00:00:15.320 -- 00:00:19.680 If anyone should require operator assistance during the conference, please signal the 00:00:19.680 -- 00:00:24.400 operator by pressing star and zero on your telephone keypad. 00:00:24.400 -- 00:00:28.420 As a reminder, this conference is being recorded. 00:00:28.420 -- 00:00:33.480 It is now my pleasure to introduce your host, Gallett Edson from ICR. 00:00:33.480 -- 00:00:36.020 Please go ahead. 00:00:36.320 -- 00:00:40.220 Thank you and good afternoon. By now, everyone should have access to our earnings announcement 00:00:40.220 -- 00:00:44.320 and supplemental presentation, which were released prior to this call and may be found 00:00:44.320 -- 00:00:47.100 on our website at regionalmanagement.com. 00:00:47.100 -- 00:00:50.580 Before we begin our formal remarks, I will direct you to page two of our supplemental 00:00:50.580 -- 00:00:54.440 presentation, which contains important disclosures concerning forward-looking statements 00:00:54.440 -- 00:00:57.020 and the use of non-GAAP financial measures. 00:00:57.020 -- 00:00:59.820 Part of our discussion today may include forward-looking statements, which are based 00:00:59.820 -- 00:01:03.340 on management's current expectations, estimates, and projections about the company's 00:01:03.340 -- 00:01:06.380 future financial performance and business prospects. 00:01:06.380 -- 00:01:10.220 These forward-looking statements speak only as of today and are subjects of various assumpti...