Affirm Holdings, Inc. - Fourth Quarter 2025 Earnings Conference Call

August 28, 2025 at 5:00 PM EDT

Supporting Materials

Affirm Q4 2025 Earnings Supplement 887.6 KB

Affirm Q4 2025 Shareholder Letter 5.6 MB

Affirm Q4 2025 Earnings Transcript 257.4 KB

Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Your rate will be 0–36% APR based on credit, and is subject to an eligibility check. Affirm Pay in 4 payment option is 0% APR.

Options depend on your purchase amount and may vary by merchant. A down payment may be required. For example, at a purchase price of $400 you could pay a down payment of $80, followed by 12 monthly payments of $28.88 at 15% APR or 4 interest-free payments of $100 every 2 weeks. Affirm availability and eligibility may vary. Restrictions apply. See affirm.com/terms#use.

The Affirm Money™ Account is held with Cross River Bank (CRB), Member FDIC. Affirm is not a bank. FDIC insurance covers accounts held with CRB in the event CRB fails. California residents: Affirm Loan Services, LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681.

The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust (Evolve) or Stride Bank, N.A. (Stride), Members FDIC, pursuant to licenses from Visa U.S.A. Inc. Affirm is not a bank. FDIC insurance will only cover the failure of Evolve and/or Stride. Learn more. The Affirm Card is not available to residents of U.S. territories.

The one-time-use Affirm virtual card is issued by CRB, Sutton Bank, or Celtic Bank, Members FDIC, pursuant to a license from Visa U.S.A. Inc. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506. For licenses and disclosures, see affirm.com/licenses.

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