HealthEquity, Inc. (HQY) Q3 2026 Earnings Call

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WEBVTT 00:00:00.908 -- 00:00:06.595 Good day, and welcome to the Health Equity Third Quarter 2026 Earnings Call. 00:00:06.595 -- 00:00:09.258 All participants will be in listen-only mode. 00:00:09.258 -- 00:00:12.923 Should you need assistance, please signal a conference specialist by pressing the star 00:00:12.923 -- 00:00:16.908 key followed by zero. Please note this event is being recorded. 00:00:16.908 -- 00:00:20.853 I would now like to turn the conference over to Richard Putnam. 00:00:20.853 -- 00:00:23.116 Please go ahead. 00:00:23.116 -- 00:00:27.925 Thank you, Dave. Hello, everyone. Thank you for joining us this afternoon. 00:00:27.925 -- 00:00:32.551 This is HealthEquity's third quarter fiscal year 2026 earnings conference call. 00:00:32.551 -- 00:00:36.797 My name is Richard Putnam. I do investor relations for HealthEquity. 00:00:36.797 -- 00:00:40.082 Joining me today are Scott Cutler, President 00:00:40.082 -- 00:00:43.587 and CEO, Dr. Steve Nealman, Vice Chair and Founder of the company, and James Lucania, 00:00:43.587 -- 00:00:46.951 Executive Vice President and CFO. 00:00:46.951 -- 00:00:51.538 Before I turn the call over to Scott for prepared remarks, we note that a press release 00:00:51.538 -- 00:00:56.264 announcing our third quarter financial results was issued after the market closed this 00:00:56.264 -- 00:01:01.861 afternoon. and that it included certain non-GAAP financial measures that we will reference 00:01:01.861 -- 00:01:03.663 here today. 00:01:03.663 -- 00:01:07.907 You can find a copy of today's press release, including reconciliation 00:01:07.907 -- 00:01:13.312 of these non-GAAP measures with comparable GAAP measures, on our investor relations website, 00:01:13.312 -- 00:01:15.993 which is ir.healthequity.com. 00:01:17.376 -- 00:01:2...