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

On Wednesday, Affirm Holdings Inc. (NASDAQ:AFRM) shares soared 16% after Target Corp (NYSE:TGT) announced a partnership with the payments company to allow its customers to pay for purchases in instalments. Target is partnering with the Buy Now, Pay Later company in conjunction with Sezzle in a bid to prepare for the holiday shopping season.

Is it time to invest in Affirm shares as stock spikes 16% on Target partnership?

Affirm Holdings Inc (NASDAQ:AFRM) shares are trading higher Wednesday after Target Corporation (NYSE:TGT) added a "buy now pay later" option via the company and Sezzle. This will allow people to buy what they need now, take advantage of the best deals, and pay at a pace that works for them.

Affirm Flies Higher On Target News: What's Next For The Stock?

Target

Target Corp (NYSE: TGT) blogged its collaboration with Affirm Holdings Inc (NASDAQ: AFRM) and smaller rival Sezzle Inc (OTC: SEZNL) as consumers gear up for the holiday shopping season. Target began offering its customers the online lender's installment loan service for purchases of over $100.

Target Adds 'Buy Now, Pay Later Options' Via Affirm, Sezzle

Affirm stock has more than doubled since the fintech loan company debuted on the Nasdaq in early 2021.

Affirm soars 19% with Target adding the buy-now, pay-later service as an option for customers

The stock price of Affirm Holdings Inc (NASDAQ: AFRM) increased by over 20% during intraday trading today. This is why it happened.

AFRM Stock: Why It Drastically Increased Today

Today, the inclusion of another big retailer in the 'buy now pay later' space has sent shares of AFRM stock higher at the time of writing. The post AFRM Stock: There's One Big Catalyst Taking Affirm Higher Today appeared first on InvestorPlace.

AFRM Stock: There's One Big Catalyst Taking Affirm Higher Today

Affirm Holdings Inc (NASDAQ: AFRM) is surging higher Wednesday after Target Corp (NYSE: TGT) added 'buy now pay later' options via the company and Sezzle. "With the help of two new partners — Sezzle and Affirm — we've added new payment solutions that let you buy what you need now, take advantage of our best deals, and pay at a pace that works well for you," said Target.

Why Affirm Shares Are Surging Higher Today

Amazon, Walmart, and now Target have partnered with Affirm.

Why Affirm Stock Jumped 15% Today

VanEck Vectors Social Sentiment ETF

Beyond Meat

Root

SmileDirectClub

SNDL Inc.

SunPower

As more traders turn to the speculative and volatile world of meme stocks, keep these on your radar for potential short squeezes. The post The 7 Best Meme Stocks to Buy Now for Eye-Popping Profit Potential in 2022 appeared first on InvestorPlace.

The 7 Best Meme Stocks to Buy Now for Eye-Popping Profit Potential in 2022

Shares of Affirm Holdings Inc. AFRM, +15.68% are up more than 14% in Wednesday afternoon trading after Target Inc. TGT, -0.39% announced that it would begin allowing customers to make purchases with the company's buy-now pay-later technology. The arrangement with Target isn't exclusive, as Target is also introducing capabilities from Sezzle that will let customers pay for goods in installments.

Affirm stock rockets after company lands partnership with Target

Affirm's buy now, pay later service is gaining traction among a growing number of large retailers as more commerce shifts online.

Affirm shares jump 15% after online lender partners with Target ahead of holiday shopping season

Affirm is competing in the buy-now, pay-later industry, but its long-term ambitions appear to go well beyond

Is Affirm the Next PayPal?

Affirm, which works in the buy now, pay later (BNPL) field, will be joining the bitcoin space, CNBC reported. Affirm CEO Max Levchin has said his company is working on a feature to allow consumers to buy and sell cryptocurrencies from their savings accounts, according to the report, although he did not specify a time […]

Affirm Plans to Add Crypto Trading to Woo Younger Investors

Affirm's (AFRM) shares decrease after Mastercard announces the launch of its buy now pay later service.

Affirm (AFRM) Stock Down on Mastercard's Entry in BNPL Space

Affirm CEO said Tuesday night that "consumers will be able to buy and sell crypto directly from their savings account."

Affirm says crypto investing will soon be available to customers with savings accounts

Affirm Holdings Inc (NASDAQ:AFRM) is planning to allow its customers to buy and sell cryptocurrencies like Bitcoin (CRYPTO: BTC) and Ethereum (CRYPTO: ETH). What Happened: The revelation was made by the company in a presentation on Tuesday.

Affirm To Join PayPal In Allowing Users To Buy And Sell Bitcoin, Other Cryptos

Mastercard

Block

Stocks fell sharply overall, but one group of disruptors is dealing with specific concerns.

Every High-Growth Investor Must Keep This Huge Threat in Mind

Affirm Holdings Inc (NASDAQ: AFRM) is trading lower Tuesday as traders circulate Mastercard Inc's (NYSE: MA) "Buy Now, Pay Later" (BNPL) news. Mastercard unveiled its own BNPL program called "Mastercard Installments," which will give consumers a flexible option to pay through interest-free installments.

Why Affirm's Stock Is Tumbling Today

The shares of Affirm Holdings Inc (NASDAQ: AFRM) have received a price target increase from $110 to $150 by Mizuho. These are the details.

AFRM Stock: $150 Price Target By Mizuho

Is the red-hot fintech business a fad or is it here to stay?

Is Buy Now, Pay Later a Good Business to Invest In?

Robinhood

Shopify

In this week's news, we saw healthcare patients push for more clarity on payment options. And Paypal announced its super-app.

Shopify Eyes Digital Main Street, Affirm Debuts Adaptive Checkout and Robinhood Exploring Crypto Wallet Top This Week's News

The fintech is up more than 55% in the past three months on a string of good news.

Here's Why Affirm Stock Keeps Going Up

Affirm (AFRM) is adding solutions to make the buy now pay later solutions attractive for customers.

Affirm (AFRM) Launches Solution to Ease Checkout for Customers

Adobe

SoFi Technologies

Facebook, SoFi Technologies, Adobe Systems and Affirm Holdings were our top stock trades for Thursday. Now, let's get a look at the charts.

4 Top Stock Trades for Thursday: FB, SOFI, ADBE, AFRM

Affirm has seen considerable losses this year and expects the same in 2022. Wait for profits and a lower AFRM stock price before investing.

News for Affirm Stock (AFRM)