Pineapple Financial Inc. (PAPL) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good day and welcome to the Pineapple Financial Fourth Quarter and Full Year 2025 Financial Results Conference Call. Please note this event is being recorded. I would now like to turn the conference over to Jack Perkins, Senior Vice President of Investor Relations at KCSA Strategic Communications. Please go ahead. Thank you, Operator. Good morning and welcome everyone to the Pineapple Financial Fiscal Fourth Quarter and Full Year 2025 Financial Results Conference Call. I'm joined today by Shubha Dasgupta, Chief Executive Officer, and Sarfaraz Habib, Chief Financial Officer. Before we begin, I'm going to remind everyone that statements made during today's conference call may be deemed forward-looking statements within the meaning of the safe harbor of the Private Securities Litigation Reform Act of 1995. Actual results may differ materially due to a variety of risks, uncertainties, and other factors. For a detailed discussion of some of the ongoing risks and uncertainties in the company's business, I'll refer you to the press release issued this morning and filed with the SEC on Form 8K, as well as the company's reports filed periodically with the SEC. The company disclaims any intention or obligation to update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise, unless otherwise required by law. In addition, during the call, we may refer to non-GAAP financial measures that are not prepared in accordance with accounting principles generally accepted in the United States, and they may be different from non-GAAP financial measures used by other companies. The reconciliation of non-GAAP financial measures to the most directly comparable GAAP financial measure are contained in our earnings release issued this eveni...