goeasy Ltd. (GSY) Q4 2025 Earnings Call

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WEBVTT 00:00:01.010 -- 00:00:06.338 Good morning, ladies and gentlemen, and welcome to the Go Easy Q4 2025 earnings conference 00:00:06.338 -- 00:00:09.984 call. At this time, all lines are in listen-only mode. 00:00:09.984 -- 00:00:13.950 Following the presentation, we will conduct a question and answer session. 00:00:13.950 -- 00:00:18.036 If at any time during this call you require immediate assistance, please press star zero 00:00:18.036 -- 00:00:23.682 for the operator. This call is being recorded on Thursday, March 26th. 00:00:24.246 -- 00:00:29.383 On Wednesday, April 1st, I would now like to turn the conference over to James 00:00:29.383 -- 00:00:33.245 Obreit, Senior Vice President. Please go ahead. 00:00:33.628 -- 00:00:36.111 Thank you, Operator, and good morning, everyone. 00:00:36.111 -- 00:00:40.136 I'm James Obreit, Senior Vice President of Investor Relations and Capital Markets. 00:00:40.136 -- 00:00:44.102 Thank you for joining us to discuss GoEasy Limited's results for the fourth quarter and 00:00:44.102 -- 00:00:47.486 full year ended December 31st, 2025. 00:00:47.486 -- 00:00:52.813 Our Q4 news release, which was issued yesterday, is available on CDAR Plus and the GoEasy 00:00:52.813 -- 00:00:57.965 website. On today's call, Patrick Enns, GoEasy's Chief Executive Officer, will 00:00:57.965 -- 00:01:02.270 provide an update on our fourth quarter performance and recent developments and an outlook 00:01:02.270 -- 00:01:07.317 for the business. Felix Wu, our Chief Financial Officer, will provide an overview of 00:01:07.317 -- 00:01:13.445 our Q4 and full year 2025 financial results, as well as our liquidity position. 00:01:13.445 -- 00:01:18.871 Also joining us on the call today is Jason Appel, GoEasy's Chief Risk Officer. 00:01:18.871 -- 00:01:23.309...