Regional Management Corp. (RM) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.376 Good afternoon, ladies and gentlemen, and welcome to the Regional Management Third Quarter 00:00:04.376 -- 00:00:10.885 2025 Earnings Call. All participants will be in listen-only mode. 00:00:10.885 -- 00:00:14.947 A question and answer session will follow the formal presentation. 00:00:15.290 -- 00:00:20.116 If anyone should require operator assistance during the conference, please key in star 00:00:20.116 -- 00:00:23.998 and then zero on your telephone keypad. 00:00:24.141 -- 00:00:26.484 Please note that this event is being recorded. 00:00:26.484 -- 00:00:27.946 I 00:00:27.946 -- 00:00:31.902 will now hand it over to Garrett Edsons, of ICR. 00:00:31.902 -- 00:00:34.382 Please go ahead. 00:00:40.630 -- 00:00:41.991 Thank you, and good afternoon. 00:00:41.991 -- 00:00:45.714 By now, everyone should have access to our earnings announcement and supplemental presentation, 00:00:45.714 -- 00:00:50.819 which were released prior to this call and may be found on our website at regionalmanagement.com. 00:00:50.819 -- 00:00:54.062 Before we begin our formal remarks, I will direct you to page two of our supplemental 00:00:54.062 -- 00:00:57.865 presentation, which contains important disclosures concerning forward-looking statements 00:00:57.865 -- 00:01:00.106 and the use of non-GAAP financial measures. 00:01:00.106 -- 00:01:03.390 Part of our discussion today may include forward-looking statements, which are based 00:01:03.390 -- 00:01:06.715 on management's current expectations, estimates, and projections about the company's 00:01:06.715 -- 00:01:09.699 future financial performance and business prospects. 00:01:09.699 -- 00:01:13.524 These forward-looking statements speak only as of today and are subject to various assumptions, 00:01:13.5...