How is Affirm ($AFRM) navigating economic ups and downs while growing its share of the booming ‘Buy Now, Pay Later’ market—and answering tough questions from everyday investors in the process? Join host Katie Perry for a candid sit-down with Affirm CFO Rob O’Hare, as he dives into Affirm’s approach to transparency, underwriting, and merchant partnerships—and fields queries directly from real shareholders. You’ll also hear Rob’s insights on what’s next for BNPL and how the company plans to innovate in a constantly shifting economy.

Topics Covered:

• Why Affirm believes radical transparency sets them apart
• How the company meets shifting economic conditions head-on
• The evolving BNPL space, and why Affirm sees a long runway to grow
• Real Q&A from retail investors—answered on the spot by CFO Rob O’Hare
• Affirm’s next moves: global expansion, product innovation, and more

Chapters (By Question)

1. 0:00 – Show Open & IntroductionKatie sets the stage and previews the questions sourced from retail investors.

2. 1:35 – “Is Affirm Just Another Credit Card?”Rob O’Hare explains Affirm’s fundamental differences from traditional credit cards.

3. 5:10 – “How Does Affirm Adjust in Good vs. Bad Economies?”Why BNPL can serve both high-growth and recessionary environments.

4. 8:45 – “What Sets Affirm Apart From Other BNPL Providers?”Competitive landscape, merchant partnerships, and building a wider consumer base.

5. 12:20 – “How Does Affirm Underwrite Every Transaction?”A deep dive into Affirm’s risk management, loan terms, and transparency for users.

6. 15:50 – “Where Does AI Fit into Affirm’s Strategy?”Rob O’Hare discusses how automation and AI streamline operations and boost efficiency.

7. 18:35 – “Tell Us About the Affirm Card—Why Use It?”Bridging everyday debit and longer-term financing, plus user experience in-store.

8. 21:40 – “Can Affirm Sustain Profitability in the Near Future?”Rob addresses margin pressures, growth targets, and the plan for long-term financial health.

9. 25:05 – “Are There Future Partnerships With Nonprofits or Wholesale Stores?”Expanding Affirm’s merchant network and addressing new verticals.

10. 28:45 – “Where Can Investors and Customers Learn More?”Final takeaways on Affirm’s strategy, investor relations resources, and closing thoughts.

Whether you’re a current investor, curious consumer, or just staying up-to-date with the fintech revolution, this discussion offers a front-row seat to how Affirm is shaping the future of payments.

Disclaimer: All opinions expressed on this show are solely the opinions of the hosts' and guests' and do not reflect the opinions of Stocktwits, Inc. or its affiliates. The hosts are not SEC or FINRA registered advisors or professionals. The content of this show is for educational and entertainment purposes only. Please consult with your financial advisor before making any investment decision. Read the full terms & conditions here: https://stocktwits.com/about/legal/terms/

Recorded Date: March 12, 2025

Today’s investors aren’t just buying and holding stocks—they’re “in the comments.” On Reddit, X, YouTube, LinkedIn, and Stocktwits, modern investors are 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 across the internet and enabled everyone to “go direct.”

Exec Response brings public company CEOs and CFOs directly to these communities—to answer their questions, react to their posts, and jump in the comments themselves.

Season 1 kicks off on March 18!