Affirm Holdings, Inc. (NASDAQ:AFRM) Q3 2023 Earnings Conference Call May 9, 2023 5:00 PM ET

Company Participants

Zane Keller - Director, Investor Relations

Max Levchin - Founder and Chief Executive Officer

Michael Linford - Chief Financial Officer

Conference Call Participants

Moshe Orenbuch - Credit Suisse

Bryan Keane - Deutsche Bank

Ramsey El-Assal - Barclays

Jason Kupferberg - Bank of America

Andrew Jeffrey - Truist Securities

Eugene Simuni - MoffettNathanson

Karan Singhania - UBS

Dan Dolev - Mizuho

James Faucette - Morgan Stanley

Rob Wildhack - Autonomous Research

Operator

Good afternoon. Welcome to Affirm Holdings Third Quarter 2023 Earnings Conference Call. Following the speakers' 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.

Zane Keller

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. Hosting today's call with me are Max Levchin, Affirm's Founder and Chief Executive Officer; and Michael Linford, Affirm's Chief Financial Officer.

In line with our practice with 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.

Max Levchin

Thank you, Zane. Thanks everyone for joining, and I hope you had a chance to read our quarterly letter as it packs lots of great information, but I will offer a very quick summary for you. We had an excellent quarter, beat across all of the important metrics we track, while continuing to maintain excellent credit results.