HealthEquity, Inc. (HQY) Q4 2025 Earnings Call

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WEBVTT 00:00:01.313 -- 00:00:06.581 Good afternoon, and welcome to the Health Equity Fourth Quarter 2025 Earnings Conference 00:00:06.581 -- 00:00:11.087 Call. Please note, this event is being recorded. 00:00:11.087 -- 00:00:13.410 I would now like to send the conference over to Richard Putnam. 00:00:13.410 -- 00:00:15.273 Please go ahead. 00:00:15.273 -- 00:00:18.558 Thank you, Gary. Love the classical hold music. 00:00:18.558 -- 00:00:23.565 It was great. Hello, everyone, and welcome to Health Equity's Fourth Quarter Fiscal Year-End 00:00:23.565 -- 00:00:27.530 2025 Earnings Conference Call. My name is Richard Putnam. 00:00:27.530 -- 00:00:29.967 I do industrial relations for Health Equity. 00:00:29.967 -- 00:00:33.351 Joining me today is Scott Cutler, President and CEO, Dr. 00:00:33.351 -- 00:00:37.917 Steve Nealeman, Vice Chair and Founder of the company, James Lucania, Executive Vice 00:00:37.917 -- 00:00:40.598 President and CFO. 00:00:40.601 -- 00:00:43.745 Before I turn the call over to Scott, I have a couple of reminders. 00:00:43.745 -- 00:00:48.651 First, a press release announcing the financial results for our fourth quarter and fiscal 00:00:48.651 -- 00:00:50.513 year end 2025 00:00:50.513 -- 00:00:53.738 was issued after the market closed this afternoon. 00:00:53.738 -- 00:00:58.283 These financial results include the contributions from our wholly owned subsidiaries 00:00:58.283 -- 00:01:03.568 and accounts they administer. The press release includes definitions of certain non-GAAP 00:01:03.568 -- 00:01:06.332 financial measures that we will reference today. 00:01:06.332 -- 00:01:11.378 You can find a copy of today's press release on our investor relations website, including 00:01:11.378 -- 00:01:16.906 the reconciliations of these non-GAAP measures wit...