Affirm Holdings (AFRM) Q2 FY25 earnings call

Affirm delivered a strong quarter, driven by strategic investments in 0% APR loan programs and robust capital markets execution. The company continues to focus on direct-to-consumer engagement through its app and card, expanding its merchant network, and leveraging AI for internal efficiencies. Management remains confident in its credit underwriting discipline and ability to thrive across various macroeconomic conditions, with an eye on international expansion and product diversification.