Expensify, Inc. (EXFY) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.138 Hello, and thank you for joining us for Expensify's Q4 and full-year 2025 earnings 00:00:05.138 -- 00:00:08.804 call. I'm going to start off with a legal disclosure, and then I'll be handing over to 00:00:08.804 -- 00:00:13.470 Ryan Schaefer, our CFO, and David Barrett, our founder and CEO. 00:00:13.470 -- 00:00:18.117 Please note that all the information presented on today's call is unaudited, and during 00:00:18.117 -- 00:00:21.822 the course of this call, management may make forward-looking statements within the meaning 00:00:21.822 -- 00:00:27.292 of the federal securities laws. These statements are based on management's current expectations 00:00:27.292 -- 00:00:32.481 and beliefs and involve risks and uncertainties that could cause actual results to differ 00:00:32.481 -- 00:00:36.528 materially from those described in these forward-looking statements. 00:00:36.528 -- 00:00:40.375 Forward-looking statements in the earnings release that we issued today, along with the 00:00:40.375 -- 00:00:45.124 comments on this call, are made only as of today and will not be updated as actual events 00:00:45.124 -- 00:00:50.751 unfold. Please refer to today's press release and our filings with the SEC 00:00:50.751 -- 00:00:55.479 for a detailed discussion of the risks that could cause actual results to differ materially 00:00:55.479 -- 00:00:59.967 from those expressed or implied in any forward-looking statements made today. 00:00:59.967 -- 00:01:04.756 Please also note that on today's call, management will refer to certain non-GAAP financial 00:01:04.756 -- 00:01:09.201 measures. While we believe these non-GAAP financial measures provide useful information 00:01:09.201 -- 00:01:13.585 for investors, the presentation of this information is n...