AFRM · Affirm Holdings, Inc.
$78.35
+0.03 (+0.04%)
At close · Aug 14
Market Cap
$26.40B
Shares
334.90M
Affirm Holdings, Inc. Earnings Call Transcripts
Every quarterly earnings call for Affirm Holdings, Inc. (AFRM) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.
Revenue & result across quarters
Revenue Net income YoY up YoY down artefacts
▲34.2%
$361.62M
−$251.27M
'23 Q1
22-11-08
▲10.7%
$399.56M
−$322.44M
'23 Q2
23-02-08
▲7.4%
$380.98M
−$205.68M
'23 Q3
23-05-09
▲22.4%
$445.82M
−$205.96M
'23 Q4
23-08-24
▲37.3%
$496.55M
−$171.78M
'24 Q1
23-11-08
▲47.9%
$591.11M
−$166.90M
'24 Q2
24-02-08
▲51.2%
$576.16M
−$133.94M
'24 Q3
24-05-08
▲47.9%
$659.18M
−$45.14M
'24 Q4
24-08-28
▲40.7%
$698.48M
−$100.22M
'25 Q1
24-11-07
▲46.6%
$866.38M
$80.36M
'25 Q2
25-02-06
▲35.9%
$783.13M
$2.80M
'25 Q3
25-05-08
▲33%
$876.42M
$69.24M
'25 Q4
25-08-28
▲33.6%
$933.34M
$80.69M
'26 Q1
25-11-06
▲29.6%
$1.12B
$129.59M
'26 Q2
26-02-05
LATEST
▲32.6%
$1.04B
$102.90M
'26 Q3
26-05-07
Earnings call
FY26 · Q4
2026-08-27
Affirm Holdings, Inc. Fourth Quarter Fiscal 2026 Earnings Call
Scheduled
Results not yet reported
Audio
Transcript
Slides
8-K10-K
Conference
Investor event
2026-06-04
William Blair Growth Stock Conference
No reported result — non-financial event
Audio
Transcript
Slides
Conference
Investor event
2026-06-03
Evercore TMT Global Conference
No reported result — non-financial event
Audio
Transcript
Slides
Earnings call
FY26 · Q3
2026-05-07
Affirm Holdings, Inc. Q3 FY2026 Earnings Call
Confident tone
Affirm Card Growth
Big Nothing Promotional Event
Credit Quality
Revenue
$1.04B
▲ 32.6% YoY Diluted EPS
$0.30
▲ 2900% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Conference
Investor event
2026-03-03
Morgan Stanley Technology, Media, and Telecom Conference
No reported result — non-financial event
Audio
Transcript
Slides
Earnings call
FY26 · Q2
2026-02-05
Affirm Holdings, Inc. Q2 FY2026 Earnings Call
Confident tone
Consumer credit health
GMV growth and merchant diversification
RLTC margin and take rate outlook
Revenue
$1.12B
▲ 29.6% YoY Diluted EPS
$0.37
▲ 60.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY26 · Q1
2025-11-06
Affirm Holdings, Inc. Q1 FY2026 Earnings Call
Confident tone
Consumer Credit Health
Underwriting Model and Vertical Expansion
PSP and Platform Integrations
Revenue
$933.34M
▲ 33.6% YoY Diluted EPS
$0.23
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q4
2025-08-28
Affirm Holdings, Inc. Q4 FY2025 Earnings Call
Revenue
$876.42M*
▲ 33% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY25 · Q3
2025-05-08
Affirm Holdings, Inc. Q3 FY2025 Earnings Call
Confident tone
Affirm Card
Merchant relationships / MDR economics
GMV growth and broad-based strength
Revenue
$783.13M
▲ 35.9% YoY Diluted EPS
$0.01
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q2
2025-02-06
Affirm Holdings, Inc. Q2 FY2025 Earnings Call
Revenue
$866.38M
▲ 46.6% YoY Diluted EPS
$0.23
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q1
2024-11-07
Affirm Holdings, Inc. Q1 FY2025 Earnings Call
Confident tone
RLTC margin and unit economics
Holiday season and 0% promotions
Capital markets and funding
Revenue
$698.48M
▲ 40.7% YoY Diluted EPS
$-0.31
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q4
2024-08-28
Affirm Holdings, Inc. Q4 FY2024 Earnings Call
Confident tone
GAAP Profitability and Fiscal 2025 Guidance
Apple Pay Partnership and Wallet Integrations
Interest Rate Environment
Revenue
$659.18M*
▲ 47.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY24 · Q3
2024-05-08
Affirm Holdings, Inc. Q3 FY2024 Earnings Call
Confident tone
GMV Growth
Affirm Card
Industry Consolidation (Capital One/Discover)
Revenue
$576.16M
▲ 51.2% YoY Diluted EPS
$-0.43
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q2
2024-02-08
Affirm Holdings, Inc. Q2 FY2024 Earnings Call
Confident tone
RLTC and take rate
GMV growth and verticals
Shopify partnership and offline expansion
Revenue
$591.11M
▲ 47.9% YoY Diluted EPS
$-0.54
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q1
2023-11-08
Affirm Holdings, Inc. Q1 FY2024 Earnings Call
Revenue
$496.55M
▲ 37.3% YoY Diluted EPS
$-0.57
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q4
2023-08-24
Affirm Holdings, Inc. Q4 FY2023 Earnings Call
Revenue
$445.82M*
▲ 22.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY23 · Q3
2023-05-09
Affirm Holdings, Inc. Q3 FY2023 Earnings Call
Revenue
$380.98M
▲ 7.4% YoY Diluted EPS
$-0.69
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q2
2023-02-08
Affirm Holdings, Inc. Q2 FY2023 Earnings Call
Revenue
$399.56M
▲ 10.7% YoY Diluted EPS
$-1.10
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q1
2022-11-08
Affirm Holdings, Inc. Q1 FY2023 Earnings Call
Revenue
$361.62M
▲ 34.2% YoY Diluted EPS
$-0.86
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q4
2022-08-25
Affirm Holdings, Inc. Q4 FY2022 Earnings Call
Revenue
$364.13M*
▲ 39.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY22 · Q3
2022-05-12
Affirm Holdings, Inc. Q3 FY2022 Earnings Call
Revenue
$354.76M
▲ 53.8% YoY Diluted EPS
$-0.19
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q2
2022-02-10
Affirm Holdings, Inc. Q2 FY2022 Earnings Call
Revenue
$361.01M
▲ 76.9% YoY Diluted EPS
$-0.57
Rev · 7q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q1
2021-11-10
Affirm Holdings, Inc. Q1 FY2022 Earnings Call
Revenue
$269.38M
▲ 54.8% YoY Diluted EPS
$-1.13
Rev · 6q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q4
2021-09-09
Affirm Holdings, Inc. Q4 FY2021 Earnings Call
Revenue
$261.78M*
Rev · 5q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY21 · Q3
2021-05-10
Affirm Holdings, Inc. Q3 FY2021 Earnings Call
Revenue
$230.66M
▲ 66.8% YoY Diluted EPS
$-1.23
Rev · 5q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q2
2021-02-11
Affirm Holdings, Inc. Q2 FY2021 Earnings Call
Revenue
$204.04M
▲ 57% YoY Diluted EPS
$-0.38
Rev · 4q
Audio
Transcript
Slides
8-K10-Q
Showing 1–26 of 26 earnings calls
Key facts
CIK
1820953
CUSIP
00827B106
13F (30d)
612 filings
602 filers
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