HealthEquity, Inc. (HQY) Q1 2026 Earnings Call

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WEBVTT 00:00:00.723 -- 00:00:06.011 Good day and welcome to the Health Equity First Quarter 2026 Earnings Conference Call. 00:00:06.011 -- 00:00:08.595 All participants will be in listen-only mode. 00:00:08.595 -- 00:00:11.339 Please note, this event is being recorded. 00:00:11.339 -- 00:00:13.963 I would now like to turn the conference over to Richard Putnam. 00:00:13.963 -- 00:00:16.006 Please go ahead. 00:00:16.006 -- 00:00:19.391 Thanks, Ashia. This is Richard Putnam. Hello, everyone. 00:00:19.391 -- 00:00:23.517 Welcome to our First Quarter Fiscal Year 2026 Earnings Call. 00:00:23.517 -- 00:00:27.282 With me today, I have Scott Cutler, President, CEO, Dr. 00:00:27.282 -- 00:00:32.000 Steve Neelaman, Vice Chair and Founder of the company, James Lucania, Executive Vice 00:00:32.000 -- 00:00:34.444 President and CFO. 00:00:34.444 -- 00:00:39.491 Before I turn the call over to Scott, we note that a press release announcing the financial 00:00:39.491 -- 00:00:44.499 results of our first quarter of fiscal 2026 was issued after the market closed this 00:00:44.499 -- 00:00:50.968 afternoon. These financial results include contributions from our wholly owned subsidiaries 00:00:50.968 -- 00:00:56.116 and accounts they administer, as well as certain non-GAAP financial measures 00:00:56.116 -- 00:01:00.698 that we will reference here today. You can find a copy of today's press release on our 00:01:00.698 -- 00:01:04.400 investor relations website, which is ir.healthequity.com, 00:01:04.883 -- 00:01:09.909 and it will include reconciliations of these non-GAAP measures with comparable GAAP 00:01:09.909 -- 00:01:15.016 measures. We also note that our comments and responses to your questions 00:01:15.016 -- 00:01:20.600 today reflect management's view as of today, June 3, 2025,...