NETSOL Technologies Inc.

Good morning. Welcome to NetSol Technologies' fourth quarter and full year fiscal 2025 earnings conference call. On the call today, our founder and chief executive officer of NetSol Technologies, Inc., Najeeb Ghori, chief financial officer, Roger Amin, and senior vice president, legal and corporate affairs, general counsel and corporate secretary, Patty McGlasson. I would like to hand the call over to Patty, who will provide the necessary disclaimers regarding the forward-looking statements made during today's call. Patty, please go ahead.

Good morning, everyone, and thank you for joining us today. After we review the company's business highlights and financial results for both the fourth quarter of fiscal 2025, as well as our full-year earnings, we will open the call for questions. Before we begin, I'd like to provide the cautionary a statement regarding forward-looking statements that may be made during today's discussion. Please note that all information presented on this call is subject to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Our remarks may include forward-looking statements that reflect management's current expectations regarding future events and operating performance. These statements are subject to the risks and uncertainties and actual results may differ materially from those projected. We encourage you to review the cautionary statements and risk factors contained in NetFall's press release issued earlier today, as well as in our filings with the Securities and Exchange Commission, including our most recent Form 10-K and quarterly reports on Form 10-Q. I'd also like to note that today's discussion will include certain non-GAAP financial measures. A reconciliation of these measures to their most directly comparable GAAP figures can be found in the press release issued earlier today. Lastly, please remember that this call is being recorded and will be available for replay on our website at netfaulttech.com, as well as through a link included in today's press release. I'd like to reiterate that at this time, all participants are in a listen-only mode. Following the prepared remarks, we will open the call for Q&A session. I will now hand the call over to our founder and chief executive officer, Najeeb Ghori.

Thank you much, Patty. Good morning, everyone, and thank you for joining NetSol Technologies' earnings call to review our results for the fourth quarter and the full fiscal year ended June 30, 2025. We appreciate your continued interest and support in NetSol as we remain focused on delivering long-term value strengthening our core offerings through our unified AI-powered Transcend platform and expanding our presence in key global markets. Today, I'll provide a brief overview of important developments that have taken place over the fiscal year which reflect our strategic progress and operational highlights. And then I'll hand it over to our CFO, Raj Amand, who will walk us through our financial performance for both the fourth quarter and the full fiscal year in greater detail. After that, we will open the call for your questions. Fiscal 2025 was a pivotal year for NetSol. We made strong progress across our subscription and services segments, areas that form the foundation of our long-term growth strategy. Our strategy of migrating our existing customer base and new customers from a licensed revenue model to a recurring revenue model continues to accelerate. This reflects the trust that our people and products have garnered within our core industries. We also advanced modernization efforts around our platform, made targeted investments in AI and automation capabilities. We remain committed optimizing our operational efficiency and maintaining a disciplined cost structure, all while keeping innovation, customer satisfaction, and shareholder value creation at the core of our mission. Over the course of the year, we secured significant contract wins across various regions, further solidifying our reputation as a trusted technology partner in the global asset finance and leasing industry alongside the digital automotive retail space. In addition, we successfully delivered multiple high-impact go-lives worldwide. showcasing our capability to implement complex solutions with efficiency and precision. Further, we also enhanced our leadership, leadership bench with key senior level appointments, adding further depth to our organization. These developments coupled with broader progress and continued innovation have positioned us well for sustained growth in the year ahead. I'll start by discussing our product ecosystem enhancements. Over the past year, we have made substantial progress in strengthening and expanding our product and service portfolio. The centerpiece of this evolution was the official launch of our United Transcend platform, which is an AI-powered digital retail and asset finance solution designed for automotive and equipment OEMs, auto captives, commercial lenders, dealers, brokers, banks, and other financial institutions. Today, NetSource Transcend platform revolutionizes how assets are sold, financed, and leased. In line with this vision, we launched Transcend AI Labs. Our dedicated innovation hub focus on AI-first enhancements, automation, and strategic consulting. This initiative underscores our focus to leading the market through advanced technology and continuous R&D investment. To drive this forward, we have brought in new dealership for our artificial intelligence division, bringing deep expertise to our AI initiatives. Our Transcend marketplace continues to gain traction with modular API first products, such as Flex, Talk, and Link, delivering real-world impact in the United Kingdom and beyond. These developments reinforce our position as a progressive technology leader in the asset retail, finance, and leasing space. Our go-to-market strategy is gaining momentum globally with several high-value wins, and develop deployments that validate the strength of our technology solutions and commercial strategies. We secured a $16 million five-year contract with a major U.S. automaker to transform its dealership operations with our Transcend retail platform representing a major milestone for Netflux in North America. We also continue to deepen relationships with long-standing partners. A major Chinese automotive finance company upgraded to Transcend Finance as part of a multi-million dollar deal involving the migration of over 3 million contracts, one of the largest volumes we have handled to date. In Australia, a leading Japanese equipment finance company went live with Transcend Finance following a multi-million dollar contract. We also made strategic progress in Europe with our first ever deployment in the Netherlands as our Transcend Finance platform went live for Hiltroman. Further, we also signed a deal with Sinbad Management SPC in Oman, making our official entry into the Middle East. We are seeing clear signals signals that the market is continuing to respond positively to our proven state-of-the-art technology with our modular products and AI investments. We remain focused on driving sustainable growth through operational efficiency and financial discipline. Our continued investment in AI, particularly through Transcend AI Labs, is already helping us unlock greater productivity and scalability without the need to significantly expand headcount. We are seeing meaningful improvements in recurring SaaS revenue and our revenue per employee continues to trend upwards, reflecting better utilization of internal resources and scalability of our offerings. We also strengthened our leadership team this year with strategic hires and appointments that will help guide our long-term vision. Notably, Richard Howard, a seasoned executive with decades of experience at Daimler and Mercedes-Benz in both the OEM and financial services side of the business, joined as an advisory board member and is actively contributing to a North American growth strategy. We also appointed Ian Smith to our board of directors. Ian brings with him over three decades of global leadership, experience in financial services, with a proven track record in automotive finance, digital transformation, and strategic growth. Most notably, he served as a CEO for BMW, Group Financial Services, USA, and the Americas. All of these developments from our AI-driven product evolution to strong commercial execution and disciplined operational focus are positioning us all for long-term profitable growth. We are confident in our roadmap and look forward to continuing to lead in digital transformation across the global asset finance and leasing industry and the digital automotive retail space. With that, I'll now turn the call over to our CFO, Roger Almond, who will walk us through our Q4 and full year fiscal 2025 financials. Go ahead, Roger.