WEX Inc. common stock (WEX) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.939 to the WEX third quarter 2025 earnings 00:00:04.939 -- 00:00:10.608 call. All lines have been placed on mute to prevent any background noise. 00:00:10.608 -- 00:00:14.755 After the speaker's remarks, there will be a question and answer session. 00:00:14.755 -- 00:00:19.663 If you would like to ask a question during this time, simply press star followed by the 00:00:19.663 -- 00:00:24.731 number one on your telephone keypad. If you would like to withdraw your question, 00:00:24.731 -- 00:00:30.079 press star one again. Thank you. I would like to turn the call over to Steve 00:00:30.079 -- 00:00:31.822 Elder. Please begin. 00:00:31.822 -- 00:00:33.724 Thank 00:00:33.724 -- 00:00:35.647 you, operator, and good morning, everyone. 00:00:35.647 -- 00:00:41.816 With me today is Melissa Smith, our chair and CEO, and Jagtar Narula, our CFO. 00:00:41.816 -- 00:00:46.243 The press release and supplemental materials issued yesterday and a slide deck to walk 00:00:46.243 -- 00:00:51.330 through prepared remarks have been posted to the investor relations section of our website 00:00:51.330 -- 00:00:53.450 at wexinc.com. 00:00:53.457 -- 00:00:57.821 A copy of the press release and supplemental materials have been included in an 8-K filed 00:00:57.821 -- 00:01:00.904 with the SEC yesterday afternoon. 00:01:00.904 -- 00:01:06.890 As a reminder, we will be discussing non-GAAP metrics, specifically adjusted net income, 00:01:06.890 -- 00:01:10.334 which we sometimes refer to as ANI, 00:01:10.334 -- 00:01:16.460 adjusted net income per diluted share, adjusted operating income and related margin, 00:01:16.460 -- 00:01:19.985 as well as adjusted free cash flow during our call. 00:01:19.985 -- 00:01:24.009 Please see exhibit one of the press release for ...