Affirm Holdings, Inc.

Good afternoon. Welcome to the Firm Holdings Fourth Quarter and Fiscal Year 2023 Earnings Call. Following the speaker's remarks, we will open the lines for your questions. As a reminder, this conference call is being recorded and a replay of the call will be available on our Investor Relations website for a reasonable period of time after the call. I'd now like to turn the call over to Zane Keller, Director, Investor Relations. Thank you. You may begin.

Thank you, Operator. Before we begin again, I'd like to remind everyone listening that today's call may contain forward-looking statements. These forward-looking statements are subject to numerous risks and uncertainties, including those set forth in our filings with the SEC, which are available on our investor relations website. Actual results may differ materially from any forward-looking statements that we make today. These forward-looking statements speak only as of today, and the company does not assume any obligation or intent to update them except as required by law. In addition, today's call may include non-GAAP financial measures. These measures should be considered as a supplement to and not a substitute for GAAP financial measures. For historical non-GAAP financial measures, reconciliations to the most directly comparable GAAP measures can be found in our earnings supplement slide deck, which is available on our investor relations website. Hosting today's call with me are Max Ledschen, the firm's founder and chief executive officer, and Michael Linford, the firm's chief financial officer. In line with our practice in prior quarters, we will begin with brief opening remarks from Max before proceeding immediately into Q&A. On that note, I will turn the call over to Max to begin. Max?

Thank you, Zane. Thanks, everyone, for joining, and I hope you've had a chance to read our quarterly letter that includes lots of great information. I mentioned in the letter, we're very proud of the team's accomplishments this quarter, closing out the fiscal year on a high note. In our fiscal Q4, we exceeded our outlook across all key metrics, were profitable on an adjusted operating income basis, improved our already great credit metrics while accelerating growth, and launched with some amazing brands on the platform. Some of these brands are so cool, we can't even say their names. You just have to go shopping to find them. Dear to my product developing heart, we're finally able to brag about the Affirm Card's progress. We're energized by the momentum we're seeing and are investing significant energy into making the card the top of wallet choice for our consumers. We also expect to deliver annual profitability on an adjusted operating income basis going forward. And our disciplined performance of the last several quarters has earned us the right to return to a more aggressive pace of network growth while maintaining discipline. I tried hard to make my letter a breezy read this quarter, so I hope you have a chance to peruse it if you haven't yet. For a deeper dive into our numbers, please have a look at the one from Michael. He's a good man. I'm thorough. But in case you would like even more investor information about Affirm, we're pleased to announce that we will be holding an investor forum on November 14th in New York. At the event, you will hear from several of our management team members, and we will provide an update on our commercial and product initiatives, as well as our financial framework. Please look for additional information, including registration details and our investor relations website as we get closer to the event. Back to you, Zane.