goeasy Ltd. (GSY) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning, ladies and gentlemen, and welcome to the Go Easy Q4 2025 earnings conference call. At this time, all lines are in listen-only mode. Following the presentation, we will conduct a question and answer session. If at any time during this call you require immediate assistance, please press star zero for the operator. This call is being recorded on Thursday, March 26th. On Wednesday, April 1st, I would now like to turn the conference over to James Obreit, Senior Vice President. Please go ahead. Thank you, Operator, and good morning, everyone. I'm James Obreit, Senior Vice President of Investor Relations and Capital Markets. Thank you for joining us to discuss GoEasy Limited's results for the fourth quarter and full year ended December 31st, 2025. Our Q4 news release, which was issued yesterday, is available on CDAR Plus and the GoEasy website. On today's call, Patrick Enns, GoEasy's Chief Executive Officer, will provide an update on our fourth quarter performance and recent developments and an outlook for the business. Felix Wu, our Chief Financial Officer, will provide an overview of our Q4 and full year 2025 financial results, as well as our liquidity position. Also joining us on the call today is Jason Appel, GoEasy's Chief Risk Officer. After the prepared remarks, we'll open the lines for questions from our research analysts. We do have a lot to cover today, so we kindly ask analysts to limit their questions to one. The operator will pull for questions and will provide instructions at the appropriate time. Before we begin, I remind you that this conference call is open to all investors and is being webcast through the company website and supplemented by a quarterly earnings presentation, which will be referred to by our speakers today. For those dialing i...