Q4 2022 Encore Capital Group Inc Earnings Call Transcript

Feb 06, 2024

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Feb 22, 2023 / 10:00PM GMT
Operator

Good day, and thank you for standing by. Welcome to the Encore Capital Group's Q4 2022 Earnings Conference Call. (Operator Instructions) Please be advised that today's conference is being recorded.

I would now like to hand the conference over to your speaker today, Bruce Thomas, Vice President of Global Investor Relations. Please go ahead.

Bruce Thomas - Encore Capital Group, Inc. - VP of IR

Thank you, operator. Good afternoon, and welcome to Encore Capital Group's fourth quarter 2022 earnings call. Joining me on the call today are Ashish Masih, our President and Chief Executive Officer; Jonathan Clark, Executive Vice President and Chief Financial Officer; Ryan Bell, President of Midland Credit Management; and Craig Buick, CEO of Cabot Credit Management. Ashish and Jon will make prepared remarks today, and then we'll be happy to take your questions.

Unless otherwise noted, comparisons on this conference call will be made between the fourth quarter of 2022 and the fourth quarter of 2021 or the full-year 2022 and the full-year 2021. In addition,

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