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are your thoughts around the potential to continue to raise pricing there?
So just wondering how you see that mix evolving through the next few quarters, particularly as wallet partners scale.
how many of your transactions are with consumers that are near prime, prime or super prime?
any specific initiatives or incentives that you can speak to in order to get people using the Affirm Card more like a debit card
You raised the full year revenue midpoint by about $60 million EBITDA by roughly 47 against the second quarter beat
was the second quarter guide more conservatism given the seasonality there and not a read on decelerated momentum
are the cost levers still the same heading into the next few years?
can you provide some color on the TAM from the 2 partnerships mentioned?
can you just help us understand what sits in the other revenue bucket and when it stops being a drag?
specifically on cross-sell, when do you expect that to start contributing more meaningly to revenue growth? Is that a '26 expectation or more into '27
our check suggests that the SMB space is obviously still very competitive, but none of the major players are pricing irrationally in the market that would threaten current business models. My quest...
If you could just provide some color on the primary components of the organic growth number and specifically call out some pricing increases to the back book
Can you provide an update on the stage that you're at with regard to the rebrand on the technology side? How much of the original integration initiative is complete
Can you provide some color on the components of your revenue growth and that of Worldpay to the extent that you have that insight
the mounting challenges with getting the Clarity Act passed in D.C. delays the time frame for the industry in general
would love your views on the topic around a 10% rate cap on credit. Which seems like it's a back burner for now, but it's only a tweet away from being reignited
how does China factor into being a contributor to your revenue projections in the near term
If their debit portfolio were to leave you guys, how should we think about that impact to your financials
Could you double click into the much better than expected growth in commercial and what you saw there
if macro conditions shift materially and much more quickly than expected, can you remind us where your key levers
what gives you the confidence as you lap the huge borrower growth this year
a big issue for the right now is the macro versus the company specific
Are you planning on getting more aggressive with the entire base for Borrow or just the consumers with direct deposit?