HealthEquity, Inc. (HQY) Q4 2026 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good afternoon, and welcome to the Health Equity Fourth Quarter and Full Year 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. Hello, everyone. Thank you for joining us this afternoon. This is HealthEquity's fourth quarter fiscal 2026 earnings conference call. My name is Richard Putnam. I do investor relations for HealthEquity. Joining me today are Scott Cutler, President and CEO, Dr. Steve Nieleman, Vice Chair and Founder of the company, and James Lucania, Executive Vice President and CFO. Before I turn the call over to Scott for our prepared remarks, we note that the press release announcing our fourth quarter financial results was issued after the market closed this afternoon. and that it includes certain non-GAAP financial measures that we will reference here today. You can find a copy of today's press release, including reconciliations of these non-GAAP measures with comparable GAAP measures, on our industrial relations website, which is ir.healthequity.com. Our comments and responses to your questions reflect management's view as of today, March 17, 2026. and they 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 our results. These forward-looking statements are subject to risk and uncertainties that may cause our actual results to differ materially from statements made here today. We cautio...