Affirm Holdings, Inc. (AFRM) Discusses Consumer Demand, Credit Trends and Macroeconomic Risks Transcript

SA Transcripts159.01K FollowersFollow5ShareSaveCommentsPlay Earnings CallPlay Earnings Call Affirm Holdings, Inc. (AFRM) Discusses Consumer Demand, Credit Trends and Macroeconomic Risks March 17, 2026 12:00 PM EDT Company Participants Robert O'Hare - Chief Financial Officer Conference Call Participants Harry Bartlett - Rothschild & Co Redburn, Research Division Presentation Harry BartlettRothschild & Co Redburn, Research Division I'm going to give a few seconds for people to join. But in the meantime, welcome to Affirm's fireside chat. They do these on a quarterly basis. My name is Harry Bartlett. I'm a fintech analyst here at Rothschild & Co Redburn. I'm very happy to be joined by Rob O'Hare, who's the CFO of Affirm. Rob, thanks for being with us today. Robert O'HareChief Financial Officer Yes. Great to see you. Thanks for hosting us. Harry BartlettRothschild & Co Redburn, Research Division Pleasure. Now look, in terms of the format of the call, so Affirm give the opportunity to retail investors to also put their questions to Rob. So the questions today are going to be a mix of my own and also some retail questions. So Rob, if you're happy, we'll crack on. Robert O'HareChief Financial Officer Yes, sounds great. Question-and-Answer Session Harry BartlettRothschild & Co Redburn, Research Division Great. So look, it's kind of hard to avoid the current environment at the moment. So maybe I'll start there looking at the consumer. So I guess given we're seeing kind of increasing geopolitical risk and I guess, depending on how long this lasts and we could see some spillover effects. I mean, I guess in terms of what you're seeing from the consumer in terms of demand in the credit side, maybe you can talk us through there. And I guess we've seen [indiscernible] has asked, how do you anticipate inflation and unemployment affecting your business? Robert O'Hare