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

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American Airlines and Affirm offer installment payment plans for flights

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SAN FRANCISCO--(BUSINESS WIRE)--Affirm Holdings, Inc. (NASDAQ: AFRM), the payment network that empowers consumers and helps merchants drive growth, today announced it will host a conference call and webcast to discuss first quarter fiscal year 2022 financial results on Wednesday, November 10, 2021 at 5:00 pm ET. Hosting the call will be Max Levchin, Founder and Chief Executive Officer, and Michael Linford, Chief Financial Officer. The conference call will be webcast live from the Company's inve

Affirm to Announce First Quarter 2022 Results on November 10, 2021

SAN FRANCISCO--(BUSINESS WIRE)--Affirm, the payment network that empowers consumers, today unveiled a sweepstakes in partnership with actress Lili Reinhart to celebrate Affirm Debit+™ becoming more widely available. As the first U.S. debit card that unlocks pay over time functionality, Affirm Debit+ can be used to pay for purchases upfront or over time without any fees or interest. From October 27 through October 31, consumers who join the Affirm Debit+ waitlist will be entered to win a spot at

Lili Reinhart Partners with Affirm to Host an Exclusive Virtual Holiday Baking Event in Celebration of Affirm Debit+™

Shares of Affirm Holdings Inc. AFRM, +4.99% are up 4.7% in Wednesday morning trading after the company announced that it will be working with American Airlines Group Inc. AAL, +0.41% to provide buy-now pay-later options for the company's customers. Affirm will be the "exclusive monthly buy now, pay later provider" for aa.com, the American Airlines website, according to a press release.

Affirm stock gains after company nabs buy-now, pay-later deal with American Airlines

SAN FRANCISCO--(BUSINESS WIRE)--Affirm (NASDAQ: AFRM), the payment network that empowers consumers, today announced that through its partnership with American Airlines, eligible travelers have added flexibility to purchase flights and pay over time with Affirm. Affirm is bringing this added flexibility to American Airlines customers just in time for holiday travel season. According to the latest Affirm Consumer Spend Report, more than half of consumers would rather take a getaway than have a tr

Affirm and American Airlines Partner to Bring Travelers a New Flexible Way to Pay

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Block

The global BNPL market generated $90 billion in 2020 and is growing rapidly as it could reach nearly $4 trillion by 2030. According to Affirm, 56% of U.S. consumers are considering using BNPL solutions this holiday season.

Buy Now, Pay Later Is Disrupting The Consumer Credit Ecosystem

Affirm Holdings (AFRM) closed at $155.21 in the latest trading session, marking a -0.08% move from the prior day.

Affirm Holdings (AFRM) Stock Moves -0.08%: What You Should Know

SAN FRANCISCO--(BUSINESS WIRE)--Affirm (NASDAQ: AFRM), the payment network that empowers consumers and helps merchants drive growth, today announced that it is expanding its offering to now be accepted by Theory, the New York founded label of sleek sportswear and accessories. Now, eligible consumers can shop Theory's collection of stylish men's and women's sportswear, handbags, shoes and more, while paying over time. By selecting Affirm at checkout on theory.com, approved customers can split th

Affirm Brings Customers a New Way to Buy Theory's Modern Sportswear

The high-growth fintech aspires to disrupt legacy financial institutions through its BNPL (buy now, pay later) payment network. Its recent partnership with Amazon and Target will provide further growth opportunities.

Affirm: In An Early Growth Stage

AFRM stock's trajectory has been powerful, but don't fear a retracement as Affirm continues to introduce novel point-of-sale payment options. The post Affirm Stock Isn't Just Having a Rally, It's Making a Comeback appeared first on InvestorPlace.

Affirm Stock Isn't Just Having a Rally, It's Making a Comeback

Affirm has benefited tremendously from the growing US BNPL market. However, it's facing intense competition from Klarna and Afterpay.

Affirm Stock: Don't Join The Mad Rush Now

With market share on the decline, possible regulatory oversight on the horizon, and significant competition, profits look highly unlikely.

No Innovation With Affirm Holdings, Just Overvaluation

With a booming BNPL market, AFRM stock could see $200 a share soon, especially as it partners with the folks over at Amazon. The post The Top Reasons to Invest in Affirm Holdings Right Now appeared first on InvestorPlace.

The Top Reasons to Invest in Affirm Holdings Right Now

Affirm Holdings (AFRM) closed the most recent trading day at $146.73, moving -1.17% from the previous trading session.

Affirm Holdings (AFRM) Stock Sinks As Market Gains: What You Should Know

BNPL is a secular growth space. Affirm is the leader of that space in the US.

Stay Away From Affirm

I Accepted The Downside Risks, I Will Buy Affirm Because Of Its Sales Growth

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Affirm's shares continue to soar higher. But at the same time, this company's story continues to improve.

Affirm: Guidance Is Even Better Than It Looks

Customers' credit scores for the "buy now, pay later" specialist are starting to slip as well.

Affirm's Users Are Falling Behind on Payments

A survey by the bank showed 54% of users plan to use buy now, pay later eight or more times over the next year, up from 47% in the last survey.

Affirm could rise 18% as consumers plan to step up use of buy now, pay later services, Bank of America says

Affirm's (AFRM) shares surge after Target picks it up for BNPL services.

Affirm (AFRM) Shares Gain on Its Partnership With Target

The shares of Affirm Holdings Inc  (NASDAQ:AFRM) are up 1.8% at $136.14 this morning, after the buy now, pay later (BNPL) company yesterday announced a new partnership with Target (TGT) just in time for the holiday shopping season.

Affirm Stock Rises After Partnership with Target

Marvell Technology

An ugly start to the day turned around by the close.

News for Affirm Stock (AFRM)