Regional Management Corp. (RM) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:03.926 Greetings and welcome to the region. 00:00:43.028 -- 00:00:47.991 Again, our formal remarks. I will direct you to page two of our supplemental presentation, 00:01:31.055 -- 00:01:35.059 Also, our discussion today may include references to certain non-GAAP measures. 00:01:35.059 -- 00:01:39.242 Reconciliation of these measures to the most comparable GAAP measures can be found within 00:01:39.242 -- 00:01:44.685 our earnings announcement or earnings presentation and posted on our website at regionalmanagement.com. 00:01:44.787 -- 00:01:49.151 I would now like to introduce Lakbir Lamba, President and CEO of Regional Management 00:01:49.151 -- 00:01:50.873 Corp. 00:01:50.873 -- 00:01:53.215 Thanks, Garrett, and good afternoon, everyone. 00:01:53.215 -- 00:01:57.979 I'm pleased to be joining you today on my first earnings call as President and CEO of 00:01:57.979 -- 00:02:02.304 Regional Management Corp. Over the past few months, I've had the opportunity to spend 00:02:02.304 -- 00:02:07.671 time in the business, meet many members of the regional team, and deepen my understanding 00:02:07.671 -- 00:02:13.077 of what makes this company special. I've also had significant time 00:02:13.077 -- 00:02:18.564 that I've spent reviewing the economics of the business across various customer, product, 00:02:18.564 -- 00:02:23.851 risk, and market segments, with an eye towards opportunities to grow net income 00:02:23.851 -- 00:02:28.953 and increase risk-adjusted returns. I'm excited about the opportunity ahead 00:02:28.953 -- 00:02:34.361 and honored to lead an organization with strong culture, a disciplined operating model, 00:02:34.361 -- 00:02:38.167 and a long track record of responsible growth. 00:02:38.167 -- 00:02:42.914 Before turning to ...