Core Insights - Affirm Holdings, Inc. will announce its first quarter fiscal year 2026 results on November 6, 2025, after market close, followed by a conference call at 2:00 PM PT [1] - The company aims to provide transparent and flexible payment options to consumers and merchants, enhancing growth opportunities [5][6] - Affirm has partnered with Fanatics to offer flexible payment options to sports fans, expanding to over 180 additional team and league stores [5] - The company is promoting a nationwide event called "0% Days," offering no interest and no late fees for eligible shoppers from October 22–24, 2025 [6] - Affirm is extending its collaboration with Google to support the Agent Payments Protocol (AP2), enhancing secure agent-led payments across platforms [7] Company Overview - Affirm's mission focuses on delivering honest financial products that improve lives, emphasizing trust and transparency [3] - The company differentiates itself from traditional credit options by not charging late or hidden fees [3] Upcoming Events - The first quarter fiscal year 2026 shareholder letter will be available on Affirm's investor relations website [1] - A replay of the conference call will be accessible on the investor relations website following the event [2]

Core Insights - Affirm has launched a promotion called "0% Days" offering interest-free payment plans to shoppers in the U.S. as the holiday season approaches [1][2] - The event will take place from October 22 to 24, providing access to thousands of 0% APR offers across various categories with repayment terms of up to 24 months [2][4] - Affirm's promotion aims to differentiate its installment-based model from traditional credit cards by eliminating hidden costs and fees associated with credit [3][4] Company Strategy - The promotion expands on Affirm's existing partnerships that already provide select 0% financing year-round, positioning the company to capture consumer attention during peak shopping periods [4] - Affirm's strategy highlights the growing competition among buy now, pay later (BNPL) providers, as other companies like Sezzle and PayPal are also enhancing their offerings ahead of the holiday season [5] Consumer Behavior - Research indicates that 52% of shoppers are likely to use pay later plans for holiday purchases, with parents and millennials being the most inclined to utilize this payment option [6] - Younger generations are particularly expected to increase their usage of pay later plans during the holiday season compared to the rest of the year [6]