HealthEquity, Inc. (HQY) Q2 2026 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good afternoon and welcome to the Health Equity Second Quarter 2026 Earnings Conference Call. All participants will be in listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. Please note, this event is being recorded. I would now like to turn the conference over to Richard Putnam. Please go ahead. Thank you, Gary. Appreciate it. I appreciate you hosting us today. Hello, everyone. Thanks for joining us this afternoon. As Gary said, this is Health Equity's second quarter of fiscal year 2026 earnings conference call. My name is Richard Putnam. I do Investor Relations for Health Equity. Joining me today is also Scott Cutler, President and CEO, Dr. Steve Nealeman, Vice Chair and Founder of the company, and James Lucania, Executive Vice President and CFO. Hello. Before I turn the call over to Scott for prepared remarks, we note that a press release announcing the financial results of our second quarter of fiscal 2026 was issued after the market closed this afternoon. These financial results include certain non-GAAP financial measures that we will reference today. You can find a copy of today's press release on our investor relations website, which is ir.healthequity.com. and it will also include the reconciliation of these non-GAAP measures with comparable GAAP measures. We also note that our comments and responses to your questions today reflect management's view as of today, September 2nd, 2025, and will contain forward-looking statements as defined by the SEC, including predictions, expectations, estimates, or other information that might be considered forward-looking. There are many important factors relating to our business, which could affect the forward-looking statements made today. These for...