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
SEC Form S-1
Marketwatch
Forbes
Inc.
NY Times
TechCrunch
Washington Post

LOS ANGELES--(BUSINESS WIRE)--Glancy Prongay & Murray LLP (“GPM”), a leading national shareholder rights law firm, today announced that it has commenced an investigation on behalf of Affirm Holdings, Inc. (“Affirm” or the “Company”) (NASDAQ: AFRM) concerning the Company's possible violations of the federal securities laws. If you suffered a loss on your Affirm investments or would like to inquire about potentially pursuing claims to recover your loss under the federal securities laws, you c

Glancy Prongay & Murray LLP, a Leading Securities Fraud Law Firm, Announces Investigation of Affirm Holdings, Inc. (AFRM) on Behalf of Investors

Datadog

Markets were on edge after a bad inflation report.

Affirm Hurt the Nasdaq Thursday, but This Tech Disruptor Was an Investor's Best Friend

BENSALEM, Pa.--(BUSINESS WIRE)--Law Offices of Howard G. Smith announces an investigation on behalf of Affirm Holdings, Inc. (“Affirm” or the “Company”) (NASDAQ: AFRM) investors concerning the Company's possible violations of federal securities laws. On December 16, 2021, the Consumer Financial Protection Bureau issued an order to Affirm, along with four other companies offering "buy now, pay later" credit, seeking information about the companies' facilitation of excessive consumer debt, regula

INVESTOR ALERT: Law Offices of Howard G. Smith Announces Investigation of Affirm Holdings, Inc. (AFRM) on Behalf of Investors

Affirm Holdings (AFRM) delivered earnings and revenue surprises of -29.55% and 9.32%, respectively, for the quarter ended December 2021. Do the numbers hold clues to what lies ahead for the stock?

Affirm Holdings (AFRM) Reports Q2 Loss, Tops Revenue Estimates

LOS ANGELES--(BUSINESS WIRE)--The Law Offices of Frank R. Cruz announces an investigation of Affirm Holdings, Inc. (“Affirm” or the “Company”) (NASDAQ: AFRM) on behalf of investors concerning the Company's possible violations of federal securities laws. If you are a shareholder who suffered a loss, click here to participate. On December 16, 2021, the Consumer Financial Protection Bureau issued an order to Affirm, along with four other companies offering "buy now, pay later" credit, seeking info

The Law Offices of Frank R. Cruz Announces Investigation of Affirm Holdings, Inc. (AFRM) on Behalf of Investors

Affirm saw its stock fall as much as 26% Thursday (Feb. 10) after the buy now, pay later (BNPL) company mistakenly tweeted its second-quarter results ahead of schedule. As CNBC reported, the since-deleted tweet from the company's official Twitter account included information about Affirm's performance, including the fact that it saw a 77% increase in […]

Accidental Tweet Causes Affirm Stock Slide

Affirm Holdings jumped the gun on its quarterly earnings release on Thursday, posting and then quickly deleting a tweet with details about its results while the market was still open. Affirm is a prominent “buy now, pay later” service that lets users complete purchases in installments over time rather than at the time of sale.

Affirm drops 21% after tweet revealed quarterly results prematurely

Shares of Affirm Holdings Inc. were plunging in Thursday afternoon trading after the buy-now pay-later company posted its latest earnings results more than an hour earlier than scheduled, showing lower-than-anticipated revenue but higher-than-expected volume.

Earnings Results: Affirm stock slammed after early earnings release shows revenue miss

Affirm is one of several hot "buy now, pay later" companies which offer short-term and low-interest loans to users when they buy consumer goods online.

Affirm shares plummet after accidentally tweeting financial results early

SAN FRANCISCO--(BUSINESS WIRE)--Affirm Holdings, Inc. (NASDAQ: AFRM) (“Affirm” or the "Company”), the payment network that empowers consumers and helps merchants drive growth, today reported financial results for its fiscal 2022 second quarter ended December 31, 2021. “Affirm's strong growth accelerated this quarter, reflecting the key advantages of our superior technology, and commitment to putting people first,” said Max Levchin, Founder and CEO of Affirm. “We more than doubled gross merchand

Affirm Reports Fiscal Year 2022 Second Quarter Results

Aurora Cannabis

Cloudflare

Zillow

Markets closed higher on Tuesday, primarily due to some buying action in the final hour of trading.

Earnings Previews: Affirm, Aurora Cannabis, Cloudflare, Zillow

A broader sell-off in growth stocks weighed on the buy now, pay later provider.

Why Affirm Stock Lost 36% in January

Fidelity National Information

Mastercard

PayPal

Visa

The digital payments market is one of the largest and fastest-growing businesses within the finance and tech sectors. Adoption of digital payments over traditional cash and credit cards accelerated during the pandemic in 2020 and 2021.

5 Best Digital Payments Stocks To Buy Right Now

Affirm Holdings' (AFRM) second-quarter fiscal 2022 results are likely to reflect increased Gross Merchandise Volume.

Affirm (AFRM) Eyes Q2 Earnings Beat on High Consumer Spending

Affirm Holdings (AFRM) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Affirm Holdings (AFRM) Expected to Beat Earnings Estimates: Can the Stock Move Higher?

BioNTech SE

Moderna

Rivian Automotive

10X Genomics

A beaten-down stock is only a bargain if the sell-off was ultimately a mistake.

Is It Time to Buy January's 5 Worst-Performing Nasdaq Stocks?

SoFi Technologies

Upstart Holdings

What's all the noise in the market today around fintech stocks, and why are four of the biggest names down so big today? Let's take a look.

AFRM, UPST, SOFI, PYPL: Why Are Fintech Stocks Down Today?

StoneCo

Some of the largest fintech companies are down big.

Why Are Affirm, Upstart, and StoneCo Getting Crushed on Wednesday?

AFRM stock got away with wreckless growth when monetary policy was looser. So don't believe a simple upgrade solves its woes.

Affirm Stock Got a Bump Upward Investors Shouldn't Trust

Despite the threat of rising interest rates putting downward pressure on AFRM stock, I still believe in the future of the company. AFRM stock could rebound from these prices.

Now is Your Chance to Buy Affirm at a Steep Discount

Aaron's

CURO Group Hlds

EZCORP

FirstCash Holdings

Rent-A-Center

World Acceptance

Although the sector looks messy now, historically (under non-pandemic conditions), alternative financing stocks have proven resilient. The post 7 Alternative Financing Stocks to Buy for the New Normal appeared first on InvestorPlace.

7 Alternative Financing Stocks to Buy for the New Normal

Bumble

Duolingo

Robinhood

NerdWallet

Udemy

Do you need to invest in start-ups early in order to earn high returns? Do simpler strategies that only involve public tech stocks perform as well?

Why Do Angel Investing When Big Tech Will Suffice?

Affirm Holdings (AFRM) was a big mover last session on higher-than-average trading volume. The latest trend in earnings estimate revisions might not help the stock continue moving higher in the near term.

Affirm Holdings (AFRM) Surges 17.1%: Is This an Indication of Further Gains?

The buy-now-pay-later company is rebounding sharply.

Here's Why Affirm Is Spiking Higher Today

Affirm (AFRM) stock is getting a boost on Friday from a new price prediction and rating for the fintech company's shares. The post Affirm Stock Price Prediction: The Analyst Upgrade Giving AFRM a Boost Today appeared first on InvestorPlace.

News for Affirm Stock (AFRM)