Kingsway Financial Services Inc (KFS) Q4 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:05.858 Good day and welcome to the Kingsway Fourth Quarter 2025 and Full Year Earnings Call. 00:00:05.858 -- 00:00:09.303 At this time, all participants are on a listen-only mode. 00:00:09.303 -- 00:00:13.368 A question-and-answer session will follow the formal presentation. 00:00:13.368 -- 00:00:15.511 Please note, this conference is being recorded. 00:00:15.511 -- 00:00:20.517 With me on the call are J.T. Fitzgerald, Chief Executive Officer, 00:00:20.517 -- 00:00:23.741 and Kent Hansen, Chief Financial Officer. 00:00:23.741 -- 00:00:27.926 Before we begin, I'd like to remind everyone that today's conference may contain forward-looking 00:00:27.926 -- 00:00:29.410 statements. 00:00:29.410 -- 00:00:33.134 forward-looking statements include statements regarding the future, including expected 00:00:33.134 -- 00:00:38.560 revenue, operating margins, expenses, and future business outlook. 00:00:38.560 -- 00:00:42.744 Actual results or trends could differ materially from those contemplated by those forward-looking 00:00:42.744 -- 00:00:44.185 statements. 00:00:44.185 -- 00:00:47.869 For a discussion of such risks and uncertainties, which could cause actual results to 00:00:47.869 -- 00:00:51.653 differ from those expressed or implied in the forward-looking statements, please see 00:00:51.653 -- 00:00:56.758 the risk factors detailed in the company's annual report on Forms 10-K, subsequent 00:00:56.758 -- 00:01:02.927 Forms 10-Q, and Forms 8-K, filed with the Securities and Exchange Commission. 00:01:02.927 -- 00:01:07.294 Please note that today's call may include the use of non-GAAP metrics that management 00:01:07.294 -- 00:01:10.779 utilizes to analyze the company's performance. 00:01:10.779 -- 00:01:15.506 A reconciliation of such non-GAAP ...