Affirm Holdings, Inc. (AFRM) Q4 2023 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.009 -- 00:00:04.510 Good afternoon. Welcome to the Firm Holdings Fourth Quarter and Fiscal Year 2023 Earnings 00:00:04.510 -- 00:00:09.211 Call. Following the speaker's remarks, we will open the lines for your questions. 00:00:09.211 -- 00:00:12.851 As a reminder, this conference call is being recorded and a replay of the call will be 00:00:12.851 -- 00:00:16.992 available on our Investor Relations website for a reasonable period of time after the 00:00:16.992 -- 00:00:22.613 call. I'd now like to turn the call over to Zane Keller, Director, Investor Relations. 00:00:22.613 -- 00:00:23.834 Thank you. You may begin. 00:00:23.834 -- 00:00:25.694 Thank 00:00:25.694 -- 00:00:30.626 you, Operator. Before we begin again, I'd like to remind everyone listening that today's 00:00:30.626 -- 00:00:33.488 call may contain forward-looking statements. 00:00:33.488 -- 00:00:37.711 These forward-looking statements are subject to numerous risks and uncertainties, including 00:00:37.711 -- 00:00:42.854 those set forth in our filings with the SEC, which are available on our investor relations 00:00:42.854 -- 00:00:44.515 website. 00:00:44.515 -- 00:00:47.898 Actual results may differ materially from any forward-looking statements that we make 00:00:47.898 -- 00:00:52.621 today. These forward-looking statements speak only as of today, and the company does 00:00:52.621 -- 00:00:58.706 not assume any obligation or intent to update them except as required by law. 00:00:58.706 -- 00:01:02.690 In addition, today's call may include non-GAAP financial measures. 00:01:02.690 -- 00:01:07.133 These measures should be considered as a supplement to and not a substitute for GAAP 00:01:07.133 -- 00:01:09.015 financial measures. 00:01:09.015 -- 00:01:13.459 For historical non-GAAP fina...