HealthEquity, Inc. (HQY) Q4 2026 Earnings Call Transcript

SA Transcripts159.01K FollowersFollow5ShareSaveCommentsPlay Earnings CallPlay Earnings Call HealthEquity, Inc. (HQY) Q4 2026 Earnings Call March 17, 2026 4:30 PM EDT Company Participants Richard Putnam - Vice President of Investor RelationsScott Cutler - CEO, President & DirectorStephen D. Neeleman - Founder & Vice ChairmanJames Lucania - CFO & Executive VP Conference Call Participants Mark Marcon - Robert W. Baird & Co. Incorporated, Research DivisionStanislav Berenshteyn - Wells Fargo Securities, LLC, Research DivisionSteven Valiquette - Mizuho Securities USA LLC, Research DivisionPeter Warendorf - Barclays Bank PLC, Research DivisionDavid Larsen - BTIG, LLC, Research DivisionMitchell Rubin - Raymond James & Associates, Inc., Research Division Presentation Operator Good afternoon, and welcome to the HealthEquity Fourth Quarter and Full Year 2026 Earnings Conference Call. [Operator Instructions] Please note, this event is being recorded. I would now like to turn the conference over to Richard Putnam. Please go ahead. Richard PutnamVice President of Investor Relations 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 Neeleman, 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 Investor 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