Katapult (KPLT) Q3 2026 Earnings Call Transcript

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Thank you for joining us, and welcome to the Katapult Holdings Q3 2026 Earnings Call. [Operator Instructions] I will now hand the conference over to Jennifer Cohn, Head of…

Operator: Hello, everyone. Thank you for joining us, and welcome to the Katapult Holdings Q3 2026 Earnings Call. [Operator Instructions] I will now hand the conference over to Jennifer Cohn, Head of Investor Relations. Jennifer, please go ahead.

Jennifer Kull: Welcome to the Katapult Holdings Third Quarter 2026 Conference Call. On the call with me today are Cory Miller, Chief Executive Officer; and Russ Falkenstein, Chief Financial Officer. Bill Baker, our President, will also join us for our Q&A session after the prepared remarks. For your reference, we have posted materials related to today's call on the Investor Relations section of the Katapult website, which can be found at ir.katapultholdings.com.

Please keep in mind that our remarks today include forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 related to our financial guidance, our business and our operating results as noted in our earnings release and slide deck posted to our Investor Relations website for your reference. Our actual results may differ materially.

Any forward-looking statements that we make on this call are based on our beliefs and assumptions as of today, and we undertake no obligation to update them, except as required by law. Also, during the call, we'll present both GAAP and non-GAAP financial measures, which we believe can be useful in evaluating our performance. Non-GAAP financial measures should be considered supplemental to and not replacements for or superior to our GAAP results. A reconciliation of non-GAAP financial measures to the most directly comparable GAAP financial measures is included with today's earnings release and is available on the Investor Relations section of the company's website.

We'll also present combined figures during the call that reflect the sum of the results of CCFI, Aaron's and Katapult for the third fiscal quarters of 2026 and 2025, including periods before the closing of the mergers on August 11, 2026…

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