Affirm Holdings, Inc. · Q4 FY2026 call
What the CEO argued
Levchin keeps prepared remarks to a minute by design and spends the call in Q&A. His one framing sentence was that the June quarter was Affirm's most profitable ever even setting the tax-allowance release aside, and he announced Michael Linford's promotion to President and Pat Suh's to SVP and GM of Global Markets. On credit he declined the macro read entirely, arguing that Affirm underwrites roughly 100 million individual decisions a quarter and therefore controls its own credit outcome rather than inheriting the consumer's.
What they said
In the order they were said. Pick a name to read only that speaker.
On the call
- Zane Keller — Head of Investor Relations, Affirm
- Michael Linford — President, Affirm
- Rob O'Hare — CFO, Affirm
About these quotes
Every passage above is quoted verbatim from Affirm Holdings, Inc.'s Q4 FY2026 earnings call of Aug 27, 2026, checked against the recording's transcription word for word. The call states no reproduction restriction, but the text captured here is a third party's transcription of it, and that transcription carries no speaker attribution for this call — the segments are stored as consecutive turns without names. Speakers on the published quotes are attributed from the questions they answer and from the introduction, which names Max Levchin, Michael Linford and Rob O'Hare as the hosts. This page quotes from the call rather than reproducing it; the complete recording sits at Affirm's own investor relations site. Figures spoken on a call are management's own and are checked against the release before they are used anywhere else on this site.