Q4 2018 Encore Capital Group Inc Earnings Call Transcript
Good day, ladies and gentlemen, and welcome to Encore's Fourth Quarter and Full Year 2018 Earnings Conference Call. (Operator Instructions) As a reminder, this conference call is being recorded.
I would now like to introduce your host for today's conference, Vice President of Investor Relations, Bruce Thomas. Mr. Thomas, you may begin.
Thank you, operator. Good afternoon, and welcome to Encore Capital Group's Fourth Quarter 2018 Earnings Call. With me on the call today are Ashish Masih, our President and Chief Executive Officer; Jonathan Clark, Executive Vice President and Chief Financial Officer; and by phone, Ken Stannard, the CEO of Cabot Credit Management, our subsidiary based in the U.K. Ashish and Jon will make prepared remarks today, and then we will be happy to take your questions.
Before we begin, we have a few housekeeping items. Unless otherwise noted, comparisons made on this conference call will be between the fourth quarter of 2018 and the fourth quarter of 2017 or between the
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