Q2 Holdings, Inc. (QTWO) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:03.995 Good afternoon. My name is Kevin and I will be your conference operator today. 00:00:03.995 -- 00:00:08.120 At this time, I would like to welcome everyone to the Q2 Holdings fourth quarter and 00:00:08.120 -- 00:00:11.844 full year 2025 financial results conference call. 00:00:11.844 -- 00:00:15.407 All lines have been placed on mute to prevent any background noise. 00:00:15.407 -- 00:00:18.851 After the speaker's remarks, there will be a question and answer session. 00:00:18.851 -- 00:00:21.914 If you would like to ask a question, please raise your hand. 00:00:21.914 -- 00:00:26.459 If you have dialed in to today's call, please press star nine to raise your hand and 00:00:26.459 -- 00:00:31.409 star six to unmute when called upon. I will now hand the conference over to Josh Yankovich, 00:00:31.409 -- 00:00:35.276 Investor Relations. Sir, please begin. 00:00:35.276 -- 00:00:38.842 Thank you, Operator. Good afternoon, everyone, and thank you for joining us for our fourth 00:00:38.842 -- 00:00:41.708 quarter and full year 2025 conference call. 00:00:41.708 -- 00:00:46.488 With me on the call today are Matt Flake, our CEO, and Jonathan Price, our CFO. 00:00:46.488 -- 00:00:50.081 This call contains forward-looking statements that are subject to significant risks and 00:00:50.081 -- 00:00:54.275 uncertainties, including, among other things, with respect to our expectations for the 00:00:54.275 -- 00:00:58.269 future operating and financial performance of Q2 holdings and for the financial services 00:00:58.269 -- 00:00:59.887 industry. 00:00:59.887 -- 00:01:03.312 Actual results may differ materially from those contemplated by these forward-looking 00:01:03.312 -- 00:01:07.319 statements and we can give no assurance that such expectatio...