Rob O’Hare | Senior Vice President-Finance |
Max Levchin | Founder and Chief Executive Officer |
Michael Linford | Chief Financial Officer |
Ramsey El-Assal | Barclays |
Dan Perlin | RBC Capital Markets |
James Faucette | Morgan Stanley |
Jason Kupferberg | Bank of America |
Moshe Orenbuch | Credit Suisse |
Rob Wildhack | Autonomous |
Reggie Smith | JPMorgan |
Michael Ng | Goldman Sachs |
Andrew Jeffrey | Truist Securities |
Chris Brendler | D.A. Davidson |
Good afternoon, ladies and gentlemen. Thank you for standing by. Welcome to the Affirm Holdings' Fiscal Year 2022 Fourth Quarter Earnings Conference Call. At this time all lines have been placed on mute to prevent any background noise.
Following the speakers' remarks, we will open the lines for questions.