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- **AI-Driven Growth**: 23.3% YoY growth in AI-enabled professional services, with 110+ AI programs across 65 clients. 
- **Operational Efficiency**: Reduced debt by $119M and improved net leverage ratio to 3.46x. 
- **CX Innovation**: Hybrid AI-human models (1/3 automation, 2/3 associate support) improved CX efficiency by 33% YoY. 
- **Health Care Momentum**: Q4 seasonal revenue up 10% YoY, with 2026 contracts for year-round AI-assisted associate workflows. 
- **Cash Flow Strength**: $119M free cash flow (vs. -$100M prior year) and $73M cash on hand. 
- **Risk Mitigation**: 1,000+ public sector clients delaying cloud migrations, creating $15M+ one-off resale revenue opportunities.

**【CEO Summary Section】**
- **Revenue Performance**: Reported a 1.9% year-over-year decline in revenue due to legacy system migrations and AI integration costs, but highlighted 23.3% growth in AI-enabled professional services. 
- **AI Strategy**: Invested $119 million in AI tools for customer journey orchestration, with 110+ AI programs across 65 clients. Emphasized hybrid AI-human models (e.g., 1/3 automation, 2/3 associate support) to improve CX efficiency by 33% YoY.
- **Client Expansion**: Added 11 new clients (4Q25) and 19+ enterprise deals with $50M+ in recurring revenue. Digital segment saw 5.4% growth in recurring revenue.
- **Operational Efficiency**: Reduced debt by $119M (to $813M) and improved net leverage ratio to 3.46x, below industry average of 4.5x.

**【CFO Financial Commentary】**
- **Q3 Results**: GAAP revenue $519M (-1.9% YoY), Adjusted EBITDA $43M (8.4% margin). Digital segment operating income grew 88% YoY on 23.3% higher margins.
- **Cash Flow**: Generated $119M free cash flow (vs. -$100M prior year), with $73M cash on hand. Capital expenditures ($14M/2.7% of revenue) focused on health care seasonal ramps.
- **Tax Strategy**: 53.7% normalized tax rate due to foreign income mix, with $15M+ tax savings from U.S. loss offsets.

**【Q&A Key Highlights】**
- **AI Implementation**: 1,700+ AI engineers supporting 125+ projects across genomics, financial services, and government. Won $15M+ language translation bake-off against 25 competitors.
- **Health Care Growth**: Q4 seasonal health care revenue up 10% YoY, with 2026 contracts for year-round AI-assisted associate workflows.
- **Cloud Migration Risks**: 1,000+ public sector clients delaying cloud migrations, creating $15M+ one-off resale revenue opportunities.
- **Digital Segment**: 5.4% recurring revenue growth offset by 7.9% decline in legacy on-premise solutions. 67% of revenue from hyperscalers.
- **Free Cash Flow**: 2026 guidance for $150M+ free cash flow (vs. $119M 2025), driven by $15M+ annualized cost savings from AI tools.


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