HealthEquity, Inc. (HQY) Q1 2027 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.617 Good day, and welcome to the Health Equity First Quarter 2027 Earnings 00:00:04.617 -- 00:00:07.701 Call. All participants will be in a listen-only mode. 00:00:07.701 -- 00:00:11.346 Should you need assistance, please signal a conference specialist by pressing the star 00:00:11.346 -- 00:00:15.431 key followed by zero. Please note this event is being recorded. 00:00:15.431 -- 00:00:17.394 I would now like to turn the conference over to Mr. 00:00:17.394 -- 00:00:19.394 Richard 00:00:19.577 -- 00:00:22.841 Putnam. Please go ahead, sir. 00:00:22.841 -- 00:00:28.456 Thank you, Jack. Hello, everyone. Thank you for joining us this afternoon, HealthEquity's 00:00:28.456 -- 00:00:32.359 first quarter fiscal 2027 earnings conference call. 00:00:32.359 -- 00:00:36.603 My name is Richard Putnam. I do investor relations for HealthEquity, and joining me today 00:00:36.603 -- 00:00:41.808 are Scott Cutler, President and CEO, Dr. Steve Neileman, Vice Chair and Founder 00:00:41.808 -- 00:00:48.094 of the company, and James Lucania, Executive Vice President and CFO. 00:00:48.094 -- 00:00:52.838 A press release announcing our first quarter financial results was issued after the market 00:00:52.838 -- 00:00:57.982 closed this afternoon. and includes certain non-GAAP financial measures that we will 00:00:57.982 -- 00:01:02.907 reference. You can find a copy of today's press release, including reconciliations of 00:01:02.907 -- 00:01:08.092 these non-GAAP measures with comparable GAAP measures, on our investor relations website, 00:01:08.092 -- 00:01:10.092 ir.healthequity.com. 00:01:11.115 -- 00:01:16.121 Our comments and responses to your questions reflect management's view as of 00:01:16.121 -- 00:01:18.905 today, May 28, 2026. 00:01:18.905 -- 00:01...