Revenue segments as reported by the company.

Merchant network revenue

Virtual card network revenue

Interest income

Gain (loss) on sales of loans

Servicing income

Revenue Segments

Gross Profit, Operating Income, and Net Income as a percentage of Revenue

Operating Margin

Profit Margin

Margins

An operating expense is an expense a business incurs through its normal business operations. Often abbreviated as OPEX.

Loss on loan purchase commitment

Provision for credit losses

Funding costs

Processing and servicing

Technology and data Analytics

Sales and marketing

General and administrative

Restructuring charges, net

Operating Expenses

Year over year growth in Revenue and Operating Expenses.

Revenue Y/Y

OpEx Y/Y

Growth

Shares outstanding refer to a company's stock currently held by all its shareholders, including share blocks held by institutional investors and restricted shares owned by the company's officers and insiders.

Outstanding Shares

Market Cap

Also known as Price/Sales Ratio. Calculated using Average market cap for the quarter / Annualized quarterly revenue.

Revenue Multiple

Affirm

Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce. Its platform consists of three core elements: a point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. The company was founded by Max R. Levchin in 2012 and is headquartered in San Francisco, CA.

Earnings data Q3 2021

Earnings data Q4 2021

Earnings data Q1 2022

Earnings data Q2 2022

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

Earnings data Q3 2023

Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

Earnings data Q3 2024

Earnings data Q4 2024

Earnings data Q1 2025

Earnings data Q2 2025

Affirm Holdings reports strong Q1 earnings, cautious about guidance

AFRM had a strong quarter with a focus on Debit+ and credit performance. The company is cautious about guidance and forecasts, aiming to maintain unit profitability and offset credit losses. AFRM reaffirms commitment to positive adjusted operating income and anticipates ongoing progress in merchant amendments.

Affirm reports mixed Q2 results, focuses on credit performance and profitability

Affirm's Q2 performance showed a mix of results with a focus on credit performance and profitability initiatives. The company faces challenges in consumer spending, credit risk management, and yield pressure. Opportunities exist in reengagement strategies, margin-improving projects, and integrating Debit+ for growth.
Affirm's strong credit performance, effective credit control, and successful partnerships are key strengths. Challenges include managing credit tightly amidst economic conditions and optimizing margins. Opportunities for growth include focusing on higher credit quality loans, margin improvement, and enhancing engagement metrics.

Affirm excels in Q3, focuses on credit performance and growth

Affirm's Q3 showcased exceptional performance and strategic initiatives, with a strong focus on credit performance and product value. Challenges in specific sectors are being addressed, while opportunities in merchant agreements and operational efficiency are being pursued.

Affirm surpasses Q4 expectations, eyes strategic growth amid challenges

Affirm's Q4 performance exceeded expectations, emphasizing profitability and strategic growth initiatives. Despite challenges like credit environment impact and economic volatility, Affirm is poised for further success through market opportunities and strategic planning.

Affirm exceeds Q1 revenue expectations, focuses on innovation and partnerships

Affirm's Q1 performance showcased strong growth and operational efficiency, driven by key product initiatives and effective expense management. The company's focus on innovation, partnerships, and consumer education positions it well for future growth and market expansion.

Affirm reports robust Q2 results, eyes aggressive card adoption strategy

Affirm's Q2 performance showcased growth in GMV and strong partnerships driving positive outcomes. Challenges lie in managing funding costs and credit box expansion, while opportunities exist in increasing Affirm card adoption and enhancing user experience.

Affirm reports robust Q3 performance, eyes international expansion opportunities

Affirm's Q3 performance reflects strong GMV growth, operational efficiency, and resilience to market dynamics.
The company's strengths lie in positive unit economics, unique product offerings, and a focus on long-term growth.
Challenges include quantifying pricing impact, international expansion complexities, and funding requirements.
Opportunities for Affirm include midsized business focus, international growth, and product innovation for market expansion.

Affirm reports robust Q4 performance, eyes growth amid credit challenges

Affirm's Q4 2024 earnings call highlighted strong performance, credit control emphasis, and strategic partnerships. Challenges include managing the credit environment and consumer spending in changing rate environments. Opportunities lie in disciplined growth, investment strategies, and sustainable profitability.

Affirm reports strong Q1 results, eyes UK expansion for growth

Affirm's Q1 performance was strong, with a positive outlook for revenue uplift and RLTC margins. While challenges exist in reinvestment and benchmark rate declines, opportunities in the U.K. market and expansion into new markets present growth potential.

Revenue

Cost of revenue

Gross profit

Operating expenses

SG&A

Other

Operating income

EBITDA

Net income

Earnings per share

Total assets

Current assets

Cash & equivalents

Receivables

Inventory

Non-current assets

Net PPE

Intangibles

Total liabilities

Current liabilities

Short term debt

Income tax payable

Non-current liabilities

Long-term debt

Total equity

Stockholders equity

Minority interest

Total liabilities & equity

Total debt

Net debt

Book value per share

Cash from operations

Funds from operations

Change in working capital

Cash from investing

Capital expenditure

Purchase/sale of investments

Purchase/sale of business

Other sources

Cash from financing

Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

Affirm is founded by PayPal co-founder Max Levchin, Nathan Gettings, Jeffrey Kaditz and Alex Rampell as an alternative to credit card.

The company raises $7.5 million in Series A funding from Charlie Songhurst, David Sacks and others, with a valuation of $15 million. 

Affirm is valued at $85 million after it raises $26 million from Khosla Ventures and others.

The company raises $275 million in a deal led by Spark Capital, giving it a pre-money valuation of $450 million. 

The company raises $140 million in a deal led by Founders Fund, giving it a pre-money valuation of $700 million.

Affirm acquires budgeting app Sweep, expanding beyond point-of-sale lending to provide financial advice for users.

The online checkout option "Pay with Affirm" becomes widely popular, especially with Millennial shoppers looking to buy expensive items.

Affirm partners with Walmart to allow customers to make purchases both in store and on Walmart.com.

Affirm raises another $300 million in funding, led by Thrive Capital.

Affirm partners with Shopify, making its "buy now, pay later" model available to more U.S. merchants.

Affirm partners with Neiman Marcus to give customers a flexible way to buy gifts (or just something for themselves). 

Affirm files to go public on NASDAQ under the stock ticker symble AFRM, with an expected offering amount of $100 million.

affirm.com/press
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SAN FRANCISCO & BROOKFIELD, Wis.--(BUSINESS WIRE)--Affirm (NASDAQ: AFRM), the payment network that empowers consumers and helps merchants drive growth, and Fiserv, a global provider of payments and financial services technology solutions, today announced a relationship that will make Affirm available to Fiserv enterprise merchant clients later this year. With this partnership, Affirm will become the first buy now pay later provider fully integrated to the Carat℠ operating system from Fiserv. Th

Affirm to Be First Buy Now, Pay Later Partner Fully Integrated to Carat From Fiserv

The call for regulation of buy now, pay later services could hurt AFRM stock. Although it's a valid concern, history suggests it won't happen.

Affirm Stock Faces Regulatory Headwinds but That Makes It Appealing

Singapore's sovereign wealth fund disclosed purchasing over $6 million of AFRM stock on April 27 and 28. Here's what you should know.

Singapore's Wealth Fund Is Buying Affirm (AFRM) Stock. Here's Why.

New York, New York--(Newsfile Corp. - April 29, 2022) - The Klein Law Firm announces that a class action complaint has been filed on behalf of shareholders of Affirm Holdings, Inc. (NASDAQ: AFRM) alleging that the Company violated federal securities laws.Class Period: February 12, 2021 to February 10, 2022Lead Plaintiff Deadline: April 29, 2022No obligation or cost to you.Learn more about your recoverable losses in AFRM:https://www.kleinstocklaw.com/pslra-1/affirm-holdings-inc-loss-submission-form?id=26562&from=5.

AFRM ALERT: The Klein Law Firm Announces a Lead Plaintiff Deadline of April 29, 2022 in the Class Action Filed on Behalf of Affirm Holdings, Inc. Limited Shareholders

NEW YORK--(BUSINESS WIRE)--Attorney Advertising--Bronstein, Gewirtz & Grossman, LLC notifies investors that a class action lawsuit has been filed against Affirm Holdings, Inc. ("Affirm" or "the Company") (NYSE: AFRM) and certain of its officers, on behalf of shareholders who purchased or otherwise acquired Affirm securities between February 12, 2021 and February 10, 2022 (the “Class Period”). Such investors are encouraged to join this case by visiting the firm's site: www.bgandg.com/afrm. T

Bronstein, Gewirtz & Grossman, LLC Reminds Affirm Holdings, Inc. (AFRM) Investors of Class Action Deadline and Final Hours to Actively Participate

New York, New York--(Newsfile Corp. - April 29, 2022) - WHY: Rosen Law Firm, a global investor rights law firm, reminds purchasers of the securities of Affirm Holdings, Inc. (NASDAQ: AFRM) on February 10, 2022 after the Company sent a tweet concerning its Second Quarter 2022 financial results at approximately 1:15 P.M. EST (the "Class Period"), of the important April 29, 2022 lead plaintiff deadline.SO WHAT: If you purchased Affirm securities during the Class Period...

AFRM FINAL DEADLINE TODAY: ROSEN, NATIONAL TRIAL LAWYERS, Encourages Affirm Holdings, Inc. Investors with Losses to Secure Counsel Before Important April 29 Deadline in Securities Class Action - AFRM

New York, New York--(Newsfile Corp. - April 29, 2022) - Levi & Korsinsky, LLP notifies investors in Affirm Holdings, Inc. ("Affirm" or the "Company") (NASDAQ: AFRM) of a class action securities lawsuit.The lawsuit on behalf of Affirm investors has been commenced in the the United States District Court for the Northern District of California. Affected investors purchased or otherwise acquired certain Affirm Holdings, Inc. securities between February 12, 2021 and February 10, 2022. Follow the...

Affirm Securities Fraud Class Action Lawsuit Pending: Contact Levi & Korsinsky Before April 29, 2022 to Discuss Your Rights - AFRM

Los Angeles, California--(Newsfile Corp. - April 29, 2022) - The Schall Law Firm, a national shareholder rights litigation firm, announces the filing of a class action lawsuit against Affirm Holdings, Inc. ("Affirm" or "the Company") (NASDAQ: AFRM) for violations of the federal securities laws.Investors who purchased the Company's shares between February 12, 2021 and February 10, 2022, inclusive (the ''Class Period''), are encouraged to contact the firm before April 29, 2022. ...

Deadline Today Alert:The Schall Law Firm Encourages Investors in Affirm Holdings, Inc. with Losses of $100,000 to Contact the Firm

NEW YORK, April 29, 2022 /PRNewswire/ -- Jakubowitz Law announces that a securities fraud class action lawsuit has commenced on behalf of shareholders of Affirm Holdings, Inc. (NASDAQ: AFRM). To receive updates on the lawsuit, fill out the form: https://claimyourloss.com/securities/affirm-holdings-inc-loss-submission-form/?id=26463&from=4 The lawsuit seeks to recover losses for shareholders who purchased Affirm between February 12, 2021 and February 10, 2022.

AFRM SHAREHOLDER ALERT: Jakubowitz Law Reminds Affirm Shareholders of a Lead Plaintiff Deadline of April 29, 2022

Los Angeles, California--(Newsfile Corp. - April 28, 2022) - The Schall Law Firm, a national shareholder rights litigation firm, announces the filing of a class action lawsuit against Affirm Holdings, Inc. ("Affirm" or "the Company") (NASDAQ: AFRM) for violations of the federal securities laws.Investors who purchased the Company's shares between February 12, 2021 and February 10, 2022, inclusive (the ''Class Period''), are encouraged to contact the firm before April 29, 2022. ...

Deadline Tomorrow Alert: The Schall Law Firm Encourages Investors in Affirm Holdings, Inc. with Losses of $100,000 to Contact the Firm

New York, New York--(Newsfile Corp. - April 27, 2022) - WHY: Rosen Law Firm, a global investor rights law firm, reminds purchasers of the securities of Affirm Holdings, Inc. (NASDAQ: AFRM) on February 10, 2022 after the Company sent a tweet concerning its Second Quarter 2022 financial results at approximately 1:15 P.M. EST (the "Class Period"), of the important April 29, 2022 lead plaintiff deadline.SO WHAT: If you purchased Affirm securities during the Class Period...

AFRM FINAL DEADLINE: ROSEN, RESPECTED INVESTOR COUNSEL, Encourages Affirm Holdings, Inc. Investors With Losses to Secure Counsel Before Important Friday Deadline in Securities Class Action - AFRM

Affirm stock could be in real trouble if the economy dives into a recession. AFRM stock could face real trouble if operating losses keep on at their present pace despite the company's recent update on its progress.

Affirm Stock Could Be In Real Trouble If the Economy Slows

RADNOR, Pa. , April 27, 2022 /PRNewswire/ -- The law firm of Kessler Topaz Meltzer & Check, LLP (www.ktmc.com)  informs investors that a securities class action lawsuit has been filed against Affirm Holdings, Inc. ("Affirm") (NASDAQ: AFRM).

Deadline Reminder: Kessler Topaz Meltzer & Check, LLP Reminds Affirm Holdings, Inc. (AFRM) Investors with Substantial Losses to Contact the Firm

SAN DIEGO , April 27, 2022 /PRNewswire/ --  Robbins Geller Rudman & Dowd LLP announces that purchasers or acquirers of Affirm Holdings, Inc. (NASDAQ: AFRM) securities on February 10, 2022 after Affirm sent a tweet concerning its second quarter 2022 financial results at approximately 1:15 p.m. EST (the "Class Period") have until this upcoming Friday, April 29, 2022 to seek appointment as lead plaintiff in Toole v.

AFRM FRIDAY DEADLINE: Affirm Holdings, Inc. Investors with Substantial Losses Have Opportunity to Lead Class Action Lawsuit - AFRM

Los Angeles, California--(Newsfile Corp. - April 27, 2022) - The Schall Law Firm, a national shareholder rights litigation firm, announces the filing of a class action lawsuit against Affirm Holdings, Inc. ("Affirm" or "the Company") (NASDAQ: AFRM) for violations of the federal securities laws.Investors who purchased the Company's shares between February 12, 2021 and February 10, 2022, inclusive (the ''Class Period''), are encouraged to contact the firm before April 29, 2022. ...

Deadline Friday Reminder:The Schall Law Firm Encourages Investors in Affirm Holdings, Inc. with Losses of $100,000 to Contact the Firm

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NEW YORK, April 27, 2022 /PRNewswire/ -- The Gross Law Firm issues the following notice to shareholders of Affirm Holdings, Inc. Shareholders who purchased shares of AFRM during the class period listed are encouraged to contact the firm regarding possible lead plaintiff appointment. Appointment as lead plaintiff is not required to partake in any recovery.

SHAREHOLDER ALERT: The Gross Law Firm Notifies Shareholders of Affirm Holdings, Inc. of a Class Action Lawsuit and a Lead Plaintiff Deadline of April 29, 2022 - (NASDAQ: AFRM)

NEW YORK , April 26, 2022 /PRNewswire/ --  WHY: Rosen Law Firm, a global investor rights law firm, reminds purchasers of the securities of Affirm Holdings, Inc. (NASDAQ: AFRM) on February 10, 2022 after the Company sent a tweet concerning its Second Quarter 2022 financial results at approximately 1:15 P.M. EST (the "Class Period"), of the important April 29, 2022 lead plaintiff deadline.

FINAL DEADLINE FRIDAY: ROSEN, A LEADING LAW FIRM, Encourages Affirm Holdings, Inc. Investors with Losses Exceeding $100K to Secure Counsel Before Important April 29 Deadline in Securities Class Action - AFRM

SAN FRANCISCO--(BUSINESS WIRE)--Nearly two-thirds (62%) of Americans have more life goals they are hoping to accomplish this year than ever before, according to the latest Affirm Consumer Spend Report. This is despite financial concerns related to inflation – nearly seven out of 10 (66%) Americans worry about rising costs. Travel and home upgrades are two of the top priorities for Americans in 2022. The company found that almost half (44%) of Americans hope to travel domestically in 2022 and an

Travel and Home Upgrades Top the List of Americans' Goals for 2022, Affirm Consumer Spend Report Reveals

Los Angeles, California--(Newsfile Corp. - April 26, 2022) - The Schall Law Firm, a national shareholder rights litigation firm, announces the filing of a class action lawsuit against Affirm Holdings, Inc. ("Affirm" or "the Company") (NASDAQ: AFRM) for violations of the federal securities laws.Investors who purchased the Company's shares between February 12, 2021 and February 10, 2022, inclusive (the ''Class Period''), are encouraged to contact the firm before April 29, 2022. ...

Friday Deadline Notice: The Schall Law Firm Encourages Investors in Affirm Holdings, Inc. with Losses of $100,000 to Contact the Firm

NEW YORK , April 26, 2022 /PRNewswire/ -- The Klein Law Firm announces that a class action complaint has been filed on behalf of shareholders of Affirm Holdings, Inc. (NASDAQ: AFRM) alleging that the Company violated federal securities laws. Class Period: February 12, 2021 to February 10, 2022 Lead Plaintiff Deadline: April 29, 2022 No obligation or cost to you.

AFRM ALERT: The Klein Law Firm Announces a Lead Plaintiff Deadline of April 29, 2022 in the Class Action Filed on Behalf of Affirm Holdings, Inc. Shareholders

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New York, New York--(Newsfile Corp. - April 25, 2022) - Levi & Korsinsky, LLP notifies investors in Affirm Holdings, Inc. ("Affirm" or the "Company") (NASDAQ: AFRM) of a class action securities lawsuit.The lawsuit on behalf of Affirm investors has been commenced in the the United States District Court for the Northern District of California. Affected investors purchased or otherwise acquired certain Affirm securities between February 12, 2021 and February 10, 2022. Follow the link below...

Affirm Class Action: Levi & Korsinsky Reminds Affirm Holdings, Inc. Investors of the Pending Class Action Lawsuit with a Lead Plaintiff Deadline of April 29, 2022 - AFRM

NEW YORK , April 25, 2022 /PRNewswire/ -- Pomerantz LLP announces that a class action lawsuit has been filed against Affirm Holdings, Inc. ("Affirm" or the "Company") (NASDAQ: AFRM) and certain of its officers. The class action, filed in the United States District Court for the Northern District of California, and docketed under 22-cv-02099, is on behalf of a class consisting of all persons and entities other than Defendants that purchased or otherwise acquired Affirm securities between February 12, 2021 and February 10, 2022, both dates inclusive (the "Class Period"), seeking to recover damages caused by Defendants' violations of the federal securities laws and to pursue remedies under Sections 10(b) and 20(a) of the Securities Exchange Act of 1934 (the "Exchange Act") and Rule 10b-5 promulgated thereunder, against the Company and certain of its top officials.

SHAREHOLDER ALERT: Pomerantz Law Firm Reminds Shareholders with Losses on their Investment in Affirm Holdings, Inc., of Class Action Lawsuit and Upcoming Deadline - AFRM

News for Affirm Stock (AFRM)