Affirm Holdings (AFRM) Q4 FY25 earnings call

Affirm delivered exceptionally strong Q4 FY25 results, setting new records across most metrics and demonstrating accelerating growth, driven by high repeat borrower engagement and successful 0% APR offerings. The company is actively expanding its product suite, particularly with the Affirm Card and international presence, while maintaining a disciplined approach to credit underwriting and capital markets. Management remains optimistic about its ability to control performance amidst macroeconomic shifts and competitive dynamics.