Affirm Holdings, Inc. (NASDAQ:AFRM) Q4 2023 Earnings Conference Call August 24, 2023 5:00 PM ET
Company Participants
Zane Keller - Director, IR
Max Levchin - Founder & CEO
Michael Linford - CFO
Conference Call Participants
Tim Chiodo - Credit Suisse
Ramsey El-Assal - Barclays
Rayna Kumar - UBS
Dan Dolev - Mizuho
James Faucette - Morgan Stanley
Eugene Simuni - MoffettNathanson
Daniel Perlin - RBC Capital Markets
Bryan Keane - Deutsche Bank
Andrew Jeffrey - Truist Securities
Rob Wildhack - Autonomous Research
Reginald Smith - JPMorgan
Jason Kupferberg - Bank of America
Michael Ng - Goldman Sachs
Operator
Good afternoon. Welcome to the Affirm Holdings Fourth Quarter and Fiscal Year 2023 Earnings Call. Following the speakers’ 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, Investor Relations. Thank you. You may begin.
Zane Keller
Thank you, operator. Before we begin, 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 is -- 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 Levchin, Affirm Founder and Chief Executive Officer; and Michael Linford, Affirm 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?
Max Levchin
Thank you, Zane. Thanks, everyone, for joining, and I hope you've had a chance to read our quarterly letter as it 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.