Affirm Holdings, Inc. (AFRM) Affirm CFO Fireside Chat (Transcript)

Affirm Holdings, Inc. (NASDAQ:AFRM) Affirm CFO Fireside Chat March 18, 2025 10:00 AM ET

Company Participants

Rob O’Hare – CFO

Conference Call Participants

Katie Perry – Stocktwits

Katie Perry

Today’s investors aren’t just buying and holding stocks. They are in the comments on X, Reddit, YouTube and Stocktwits, they’re talking about the companies they believe in. They’re sharing ideas, hunting for alpha and tagging the companies they’re invested in. Investing in the age of social media has created massive communities of investors and enabled everyone to go direct. This show brings public company CEOs and CFOs directly to these communities to answer their questions, react to the posts and jump in the comments themselves.

Welcome to the show. I’m Katie Perry, let’s get into it.

I’m Katie Perry, and we’re talking to a firm CFO, Rob O’Hare, about the Tech Forward Buy Now Pay Later companies’ plans to innovate into the future. Something I found so interesting was that about 7.5% of e-commerce in the U.S. is now conducted with a BNPL option. And Affirm controls over half of the entire market based on revenue.

Rob and I also got into some of the nuances of how BNPL like a firm differentiate and how the company is positioned to navigate economic highs and lows. Affirm has a lot of passionate retail investors. So we scoured the Internet and tapped into say and 40,000 of the company’s followers on Stocktwits to surface some of their most pressing questions.

Here’s our conversation.

Before we begin, we would like to provide the usual disclaimer that this discussion may contain forward-looking statements. Forward-looking statements are subject to numerous risks and uncertainties, which you can check out on the company’s Investor Relations website and SEC filings.

With that out of the way, let’s get into the