Expensify, Inc. (EXFY) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:02.956 Welcome to the Expensify Q3 2025 earnings. 00:00:02.956 -- 00:00:08.164 I'm CFO Ryan Schaefer, and with me I have our founder and CEO, David Barrett. 00:00:08.164 -- 00:00:11.870 And now I'm going to hand it over to Nikki for the legalese. 00:00:11.870 -- 00:00:16.437 Please note that all the information presented on today's call is unaudited, and during 00:00:16.437 -- 00:00:20.624 the course of this call, management may make forward-looking statements within the meaning 00:00:20.624 -- 00:00:26.072 of the federal securities laws. These statements are based on management's current expectations 00:00:26.072 -- 00:00:31.094 and beliefs and involve risks, and uncertainties that could cause actual results 00:00:31.094 -- 00:00:35.284 to differ materially from those described in forward-looking statements. 00:00:35.284 -- 00:00:39.092 Forward-looking statements in the earnings release that we issued today, along with the 00:00:39.092 -- 00:00:44.465 comments on this call, are made only as of today and will not be updated as actual events 00:00:44.465 -- 00:00:49.585 unfold. Please refer to today's press release and our filings with the 00:00:49.585 -- 00:00:55.011 SEC for a detailed discussion of the risks that could cause actual results 00:00:55.011 -- 00:00:59.936 to differ materially from those expressed or implied in any forward-looking statements 00:00:59.936 -- 00:01:05.301 made today. Please also note that on today's call, management will refer to certain 00:01:05.301 -- 00:01:10.526 non-GAAP financial measures. While we believe these non-GAAP financial measures provide 00:01:10.526 -- 00:01:15.625 useful information for investors, The presentation of this information is not intended 00:01:15.625 -- 00:01:20.692 to be considered...