Affirm Holdings, Inc.

Good afternoon and welcome to the Affirm Holdings fourth quarter fiscal 2024 earnings call. Following the speaker's remarks, we will open the line 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 and based investor relations. Thank you, Zane. You may begin.

Thank you, operator. Before we begin, I would 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. Posting today's call with me are Max Levchin, 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 questions and answers. On that note, I will turn the call over to Max to begin.

Thank you, Zane. Obviously, we had a killer quarter in fiscal year on both growth and profitability sides of the ledger. And so, as is our custom, the better the results, the less canned comments I'll offer. There are some really good new stats in the letter that Michael and I penned, so please have a look at that. One thing though that's not in the letter that I did want to share, to build on a great momentum that we're having to help us continue to scale in the long term, we're evolving our leadership structure a little bit. Very excited to share that our Chief Financial Officer, Mr. Michael Linford himself, will be taking on an expanded new role as Chief Operating Officer for our firm. For now, he will remain our CFO, But today, we also have the talented and handsome Mr. Rob O'Hare, a veteran of the Affirm Finance team, joining us on this call for a reason. I expect Rob to take on the CFO role by the end of this fiscal year. Still reporting to Michael. Please make Rob feel welcome. He's a good man and thorough. Back to you, Zane.