Affirm Holdings, Inc.

Good afternoon. Welcome to Affirm Holdings, Inc. second quarter fiscal 2025 earnings call. Following the speaker's remarks, we will open up 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 would now like to turn the call over to Zane Keller, director of investor relations. Thank you. 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, firm's founder and chief executive officer, Michael Winford, Affirm's Chief Operating Officer, and Rob O'Hare, Affirm'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. Another great quarter, so I do not feel a strong need to expound at any length on the numbers. They speak for themselves. I do want to take a moment to thank my frequent partner in crime and our president, Libor, whose name is not, in fact, pronounced Libor, though that would make for an epic joke. He's been here at Affirm for 10 years. And he and I met over 30 years ago, both of us studying computer science at University of Illinois at Urbana-Champaign. And Affirm isn't even our first rodeo together, but be remiss in not taking a moment to thank him for not only putting up with me for 10 years, but more importantly, keeping our engineering product operations and perhaps most importantly, credit efforts humming along with his typical Eastern European grumpy call. Thank you, Lieber. Here's to many more years together. Back to you, Zane.