CURO Group Holdings Corp (CURO) Q3 2019 Earnings Conference Call October 25, 2019 8:15 AM ET
Company Participants
Gar Jackson - IR
Donald Gayhardt - President, CEO & Director
Roger Dean - EVP, CFO & Treasurer
William Baker - EVP & COO
Conference Call Participants
Robert Napoli - William Blair & Company
Moshe Orenbuch - Crédit Suisse
John Hecht - Jefferies
Vincent Caintic - Stephens Inc.
John Rowan - Janney Montgomery Scott
Hugh Miller - Buckingham
Operator
Good morning, and welcome to the CURO Group Holdings Third Quarter 2019 Conference Call. [Operator Instructions]. Please note this event is being recorded. I would now like to turn the conference over to Gar Jackson, Investor Relations for CURO. Please go ahead.
Gar Jackson
Thank you, and good morning, everyone. After the market closed yesterday evening, CURO released results for the third quarter 2019. You may obtain a copy of our earnings release on the Investors section of our website at ir.curo.com.
With me on today's call are CURO's President and Chief Executive Officer, Don Gayhardt; Chief Operating Officer, Bill Baker; Chief Financial Officer, Roger Dean; and Chief Accounting Officer, Dave Strano. This call is being webcast and will be archived on the Investor Relations section of our website.
Before I turn the call over to Don, I would like to note that today's discussion contains forward-looking statements, which include but are not limited to: our expectations regarding macro factors impacting the U.S. economy and how those factors impact our customers; the timing and pace of transitioning customers to Open-End loans in British Columbia; our belief that Zibby has a competitive advantage over its competitors; our revised financial guidance for the full year and fourth quarter 2019 and underlying assumptions; California state-level EBITDA contribution for 2020 and related expectations of total company earnings growth for 2020; the impact to our customers of
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