RM - Regional Management Corp. (RM) Q4 2023 Earnings Call Transcript
2024-02-07 21:11:02 ET
Regional Management Corp. (RM)
Q4 2023 Earnings Conference Call
February 7, 2024 5:00 pm ET
Company Participants
Garrett Edson - Managing Director, ICR
Robert Beck - President and CEO
Harp Rana - EVP and CFO
Conference Call Participants
John Hecht - Jefferies
Zachary Oster - JMP Securities
William Dezellem - Tieton Capital
John Rowan - Janney
Presentation
Operator
Thank you for standing by. This is the conference operator. Welcome to the Regional Management Fourth Quarter 2023 Earnings Call. As a reminder, all participants are in a listen-only mode and the conference is being recorded. [Operator Instructions]. I would now like to turn the conference over to Garrett Edson with ICR. Please go ahead.
Garrett Edson
Thank you, and good afternoon. By now, everyone should have access to our earnings announcement and supplemental presentation, which were released prior to this call and may be found on our website at regionalmanagement.com. Before we begin our formal remarks, I will direct you to Page 2 of our supplemental presentation, which contains important disclosures concerning forward-looking statements and the use of non-GAAP financial measures.
Part of our discussion today may include forward-looking statements, which are based on management's current expectations, estimates and projections about the company's future financial performance and business prospects. These forward-looking statements speak only as of today and are subject to various assumptions, risks, uncertainties and other factors that are difficult to predict and that could cause actual results to differ materially from those expressed or implied in the forward-looking statements. These statements are not guarantees of future performance, and therefore, you should not place undue reliance upon them.
We refer all of you to our press release, presentation and recent filings with the SEC for a more detailed discussion of our forward-looking statements and the risks and uncertainties that could impact our future operating results and financial condition. Also, our discussion today may include references to certain non-GAAP measures. Reconciliation of these measures to the most comparable GAAP measures can be found within our earnings announcement or earnings presentation and posted on our website at regionalmanagement.com....
Regional Management Corp. (RM) Q4 2023 Earnings Call Transcript