Operator
Good day, and welcome to the Kingsway Third Quarter 2025 Earnings Name. [Operator Instructions] Please word, this convention is being recorded.
With me on the decision are JT Fitzgerald, Chief Government Officer; and Kent Hansen, Chief Monetary Officer.
Earlier than we start, I wish to remind everybody that in the present day’s convention name might comprise forward-looking statements. Ahead-looking statements embrace statements concerning the longer term, together with anticipated income, working margins, bills and future enterprise outlook. Precise outcomes of developments may materially differ from these contemplated by these forward-looking statements. For a dialogue of such dangers and uncertainties, which may trigger precise outcomes to vary from these expressed or implied within the forward-looking statements, please see the chance elements detailed within the firm’s annual report on Type 10-Ks and subsequent Types 10-Q and Type 8-Ks filed with the Securities and Change Fee.
Please word additionally that in the present day’s name might embrace using non-GAAP metrics that administration makes use of to investigate the corporate’s efficiency. A reconciliation of such non-GAAP metrics to probably the most comparable GAAP measures is obtainable in the latest press launch in addition to within the firm’s periodic filings with the SEC.
Now I wish to hand the decision over to JT Fitzgerald, CEO of Kingsway. JT, please proceed.
John Fitzgerald
President, CEO & Director
Thanks, Morgan. Good afternoon, everybody, and welcome to the Kingsway Earnings Name for Q3 2025.
Let me begin by saying that to our information, Kingsway is the one publicly traded U.S. firm