Alignment Healthcare, Inc. (ALHC) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.877 Good afternoon, and welcome to Alignment Healthcare's fourth quarter 2025 earnings conference 00:00:04.877 -- 00:00:06.980 call and webcast. 00:00:06.980 -- 00:00:10.164 All participants will be in a listen-only mode. 00:00:10.164 -- 00:00:14.830 After instructions after today's presentation, there will be an opportunity 00:00:14.830 -- 00:00:21.075 to ask questions. Operating instructions, please note that this event is being recorded. 00:00:21.679 -- 00:00:26.505 Leading today's call is John Cahill, founder and CEO, 00:00:26.505 -- 00:00:29.377 and Jim Head, chief financial officer. 00:00:29.377 -- 00:00:32.980 Before we begin, we would like to remind you that certain statements made during this 00:00:32.980 -- 00:00:38.445 call will be forward-looking statements as defined by the Private Securities Litigation 00:00:38.445 -- 00:00:44.510 Reform Act. These forward-looking statements are subject to various risks and uncertainties 00:00:44.510 -- 00:00:49.554 and reflect our current expectations based on our beliefs, assumptions, and information 00:00:49.554 -- 00:00:52.357 currently available to us. 00:00:52.357 -- 00:00:57.021 Descriptions of some of the factors that could cause actual results to differ materially 00:00:57.021 -- 00:01:01.471 from these forward-looking statements are discussed in more detail in our filings with 00:01:01.471 -- 00:01:06.496 the SEC, including the risk factors, sections of our annual report 00:01:06.496 -- 00:01:11.882 on Form 10-K for the fiscal year ended December 31, 2025. 00:01:11.882 -- 00:01:13.824 Although 00:01:13.824 -- 00:01:18.689 we believe our expectations are reasonable, we undertake no obligation to revise any 00:01:18.689 -- 00:01:23.013 statements to reflect changes that occur afte...