AFRM · Affirm Holdings, Inc. · Earnings Call Transcripts & Audio
$69.23
-0.07 (-0.10%)
At close · Sep 30
Return incl. dividend (before tax)
Market Cap
$23.01B
Shares
337.42M
Volume · Sep 30
2.81M
Avg daily vol (3M)
4.25M
Affirm Holdings, Inc. Earnings Call Transcripts
Quarterly earnings calls for Affirm Holdings, Inc. (AFRM), with available speaker-labelled transcripts, captured audio replays, call highlights, 8-K earnings releases and periodic filings. 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
▲32.6%
$1.04B
$102.90M
'26 Q3
26-05-07
LATEST
▲33%
$1.17B
$1.62B
'26 Q4
26-08-27
Conference
Investor event
2026-09-08
Affirm Holdings, Inc. (AFRM) September 2026 Conference Transcript
No reported result — non-financial event
Audio
Transcript
Slides
Earnings call
FY26 · Q4
2026-08-27
Affirm Holdings, Inc. (AFRM) Q4 2026 Earnings Call Transcript
Confident tone
Product and Vertical Expansion
Merchant Expansion and Greenfield Opportunity
Credit Policy and Approval Rates vs. Competitors
Revenue
$1.17B*
▲ 33% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Conference
Investor event
2026-06-04
Affirm Holdings, Inc. (AFRM) June 2026 Conference Transcript
No reported result — non-financial event
Audio
Transcript
Slides
Conference
Investor event
2026-06-03
Affirm Holdings, Inc. (AFRM) June 2026 Conference Transcript
No reported result — non-financial event
Audio
Transcript
Slides
Earnings call
FY26 · Q3
2026-05-07
Affirm Holdings, Inc. (AFRM) Q3 2026 Earnings Call Transcript
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
Affirm Holdings, Inc. (AFRM) March 2026 Conference Transcript
No reported result — non-financial event
Audio
Transcript
Slides
Earnings call
FY26 · Q2
2026-02-05
Affirm Holdings, Inc. (AFRM) Q2 2026 Earnings Call Transcript
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. (AFRM) Q1 2026 Earnings Call Transcript
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. (AFRM) Q4 2025 Earnings Call Transcript
Confident tone
Marketing and merchant partnerships
Wallet partnerships and offline commerce opportunity
Credit performance and consumer health
Revenue
$876.42M*
▲ 33% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY25 · Q3
2025-05-08
Affirm Holdings, Inc. (AFRM) Q3 2025 Earnings Call Transcript
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. (AFRM) Q2 2025 Earnings Call Transcript
Confident tone
Zero percent loan promotions and network syndication
Credit discipline and capital partner alignment
Q4 holiday seasonality and merchant demand
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. (AFRM) Q1 2025 Earnings Call Transcript
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. (AFRM) Q4 2024 Earnings Call Transcript
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. (AFRM) Q3 2024 Earnings Call Transcript
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. (AFRM) Q2 2024 Earnings Call Transcript
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. (AFRM) Q1 2024 Earnings Call Transcript
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. (AFRM) Q4 2023 Earnings Call Transcript
Revenue
$445.82M*
▲ 22.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY23 · Q3
2023-05-09
Affirm Holdings, Inc. (AFRM) Q3 2023 Earnings Call Transcript
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. (AFRM) Q2 2023 Earnings Call Transcript
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. (AFRM) Q1 2023 Earnings Call Transcript
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. (AFRM) Q4 2022 Earnings Call Transcript
Revenue
$364.13M*
▲ 39.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY22 · Q3
2022-05-12
Affirm Holdings, Inc. (AFRM) Q3 2022 Earnings Call Transcript
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. (AFRM) Q2 2022 Earnings Call Transcript
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. (AFRM) Q1 2022 Earnings Call Transcript
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. (AFRM) Q4 2021 Earnings Call Transcript
Revenue
$261.78M*
Rev · 5q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY21 · Q3
2021-05-10
Affirm Holdings, Inc. (AFRM) Q3 2021 Earnings Call Transcript
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. (AFRM) Q2 2021 Earnings Call Transcript
Revenue
$204.04M
▲ 57% YoY Diluted EPS
$-0.38
Rev · 4q
Audio
Transcript
Slides
8-K10-Q
Showing 1–27 of 27 earnings calls
Key facts
CIK
1820953
CUSIP
00827B106
13F (30d)
18 filings
14 filers
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