Affirm (NASDAQ: AFRM) issues shareholder letter on Q2 FY results

Rhea-AI Filing Summary

Affirm Holdings, Inc. filed an 8-K to announce that on February 5, 2026 it issued a Shareholder Letter covering financial results for its second fiscal quarter ended December 31, 2025. The letter, attached as Exhibit 99.1, includes GAAP and non-GAAP measures with reconciliations.

The company notes that the information in Item 2.02 and Exhibit 99.1 is being furnished rather than filed, which affects how it is treated under securities laws. The 8-K is signed by Chief Financial Officer Rob O'Hare on behalf of Affirm Holdings, Inc.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

Date of report (Date of earliest event reported): February 5, 2026

Affirm Holdings, Inc.

(Exact name of registrant as specified in charter)

Nevada

001-39888

84-2224323

(State or other jurisdiction of incorporation)

(Commission File Number)

(IRS Employer Identification No.)

650 California Street
San Francisco, California						94108
(Address of principal executive offices)						(Zip Code)

Registrant’s telephone number, including area code: (415) 960-1518

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐    Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐    Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐    Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐    Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class:			Trading symbol(s)			Name of exchange on which registered
Class A common stock, $0.00001 par value			AFRM			Nasdaq Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition.

On February 5, 2026, the Company issued a Shareholder Letter (the “Letter”) regarding its financial results for the second fiscal quarter ended December 31, 2025. A copy of the Letter is attached hereto as Exhibit 99.1, and the information in Exhibit 99.1 is incorporated herein by reference.

The Letter attached hereto as Exhibit 99.1 includes certain non-GAAP financial measures. Reconciliations of these non-GAAP financial measures to the comparable GAAP financial measures are contained in the Letter and the financial tables attached thereto.

The information in this Item 2.02 and in Exhibit 99.1 attached hereto shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference into any filing under the Securities Act of 1933, as amended.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits.

Exhibit No.			Description
99.1			Shareholder Letter, dated February 5, 2026
104			Cover Page Interactive Data File (embedded within the Inline XBRL document)

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SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

						AFFIRM HOLDINGS, INC.
			By:			/s/ Rob O'Hare
						Name: Rob O'Hare
						Title: Chief Financial Officer

Date: February 5, 2026

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FAQ

What did Affirm (AFRM) disclose in its latest 8-K filing?

Affirm reported that it issued a Shareholder Letter on February 5, 2026 covering financial results for its second fiscal quarter ended December 31, 2025. The letter, filed as Exhibit 99.1, includes both GAAP and non-GAAP financial measures with accompanying reconciliations.

Which period does Affirm (AFRM) address in the February 5, 2026 Shareholder Letter?

The Shareholder Letter discusses Affirm’s financial results for the second fiscal quarter ended December 31, 2025. This period aligns with the company’s fiscal calendar and the letter is incorporated by reference into the 8-K as Exhibit 99.1 for investors to review.

Does Affirm’s February 5, 2026 8-K include non-GAAP financial measures?

Yes. The Shareholder Letter attached as Exhibit 99.1 includes certain non-GAAP financial measures. Affirm states that reconciliations to the most comparable GAAP measures are provided within the letter and its financial tables so readers can compare adjusted metrics to standard accounting results.

Is the information in Affirm’s Exhibit 99.1 considered filed or furnished?

Affirm specifies that the information in Item 2.02 and Exhibit 99.1 is furnished, not filed, for purposes of Section 18 of the Securities Exchange Act of 1934. This designation affects potential liability and how the information is incorporated into other securities filings.

Who signed Affirm’s February 5, 2026 Form 8-K and in what capacity?

The 8-K was signed on behalf of Affirm Holdings, Inc. by Rob O'Hare, who is identified as the company’s Chief Financial Officer. His signature indicates that an authorized executive approved the submission of this current report to the Securities and Exchange Commission.

What exhibits did Affirm (AFRM) include with the February 5, 2026 8-K?

Affirm attached two exhibits: Exhibit 99.1, the Shareholder Letter dated February 5, 2026, which contains quarterly financial information, and Exhibit 104, the cover page interactive data file embedded within the Inline XBRL document, supporting structured electronic reporting requirements.