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

The buy now, pay later (BNPL) network Affirm has launched a new product called Adaptive Checkout, which it says allows merchants on its network to give customers more choices when it's time to pay. The San Francisco-based company announced the product in a news release on Wednesday (Sept.

BNPL Company Affirm Rolls out Adaptive Checkout

SAN FRANCISCO--(BUSINESS WIRE)--Affirm (NASDAQ: AFRM), the payment network that empowers consumers and helps merchants drive growth, today announced the launch of Adaptive Checkout™. This latest product enables Affirm merchants to seamlessly offer customers even more choice and flexibility at checkout while increasing sales. Leveraging Affirm's proprietary technology, Adaptive Checkout builds upon Affirm's existing product suite and dynamically provides optimized biweekly and monthly payment op

Affirm Launches Adaptive Checkout™, Bringing Greater Choice and Flexibility to Merchants and Consumers

This fast-growing fintech seeks to capture a burgeoning segment of the digital commerce market.

Affirm: Buy Now, Get Paid Later?

Even favorite stocks sometimes must go into quarantine if they get too hot. AFRM stock is great but from lower entry levels.

Add Affirm to the Wish List, Not the Shopping Cart

SAN FRANCISCO--(BUSINESS WIRE)--Seven in 10 Americans say they typically go over budget during the holidays, according to new research from the first Affirm Consumer Spend Report.

Affirm Consumer Spend Report Reveals Americans' Top Concern this Holiday Season is Staying on Budget

"Buy now, pay later" services are coming into their own in the 2020's, and an exciting competitor is emerging as AFRM stock hits fresh highs. The post Amazon Deal and Earnings Blowout Provide Plenty of Affirmation for Affirm appeared first on InvestorPlace.

Amazon Deal and Earnings Blowout Provide Plenty of Affirmation for Affirm

PayPal

Block

Visa

BNPL solution proliferates amid the coronavirus pandemic. Companies like PayPal, Affirm, Square and Visa hold the potential to make the best out of it.

Buy Now, Pay Later Gains Steam Amid Pandemic: 4 Stocks to Watch

Shares of Affirm are up more than 50% over the past month. Here is why Affirm is the talk of Wall Street.

Why Is Everyone Talking About Affirm Stock?

Moderna

AMC Entertainment

Veteran trader David Green was back live trading on Benzinga Tuesday morning, and the long-time trader made some trades in some big-name stocks such as Affirm Holdings Inc (NASDAQ: AFRM), AMC Entertainment Holdings (NYSE: AMC) and Moderna Inc (NASDAQ: MRNA). AMC's stock had a strong day on Monday, following Walt Disney Co's (NYSE: DIS) announcement that the rest of Disney's 2021 movies will exclusively have in-theater premiers.

Why This Former NYSE Trader Bought Shares of AMC, Affirm And Moderna On Tuesday

Great earnings combined with some partnership announcements have pushed Affirm stock to the moon.

Up 70% This Month! Is Affirm Still a Buy Right Now?

Affirm: Overheated Again Following Amazon Deal

The stock price of Affirm Holdings Inc (NASDAQ: AFRM) fell by over 11% during intraday trading today. This is why it happened.

AFRM Stock: Why It Decreased Today

The high-flying fintech is giving back some recent gains.

Why Is Affirm Plunging on Monday?

US-based buy now, pay later provider Affirm posted a strong fiscal Q4 (ended June 30, 2021) and gave insights on key factors driving recent growth.

Affirm delivers triple-digit volume growth in its fiscal Q4

Affirm just surpassed Afterpay as the most valuable buy now, pay later company on the planet.

This Growth Stock Is Buy Now, Pay Later's New Most Valuable Player

Affirm's stock price jumped over 20% after the company reported strong guidance.

2 Yellow Flags Affirm Investors Should Keep an Eye on After Strong Earnings

Despite incurring a wider loss in the fiscal fourth quarter, shares of Affirm (AFRM) gain on a bullish guidance.

Affirm's (AFRM) Q4 Earnings Miss, Revenues Beat, Stock Gains

Demand for "buy now, pay later" services is booming.

Why Affirm Stock Soared 34% Today

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Stocks were lower approaching midday on Friday, which looks to be duplicating a surprising Thursday, where all the indexes opened higher and reversed in the afternoon with all three closing in the red.

Friday Afternoon's Analyst Upgrades and Downgrades: Affirm, Ingersoll Rand, Palo Alto Networks and More

Affirm Holdings Inc's (NASDAQ: AFRM) revenue and volume topped Wall Street expectations in the fiscal fourth quarter. Shares of the company are roughly 25% up this morning on upbeat guidance for full-year volume, even excluding the boost from its recent buy-now-pay-later partnership with Amazon Inc. Q4 financial performance Affirm reported $128.2 million of net loss […] The post Affirm Holdings is up about 25% on Friday morning: here's why appeared first on Invezz.

Affirm Holdings is up about 25% on Friday morning: here's why

Affirm Holdings Inc (NASDAQ:AFRM) is looking at locking in another stellar trading session , after the buy now pay later (BNPL) company released its fiscal fourth-quarter earnings report.

Analysts, Options Traders Respond to Affirm's Revenue Beat

Amazon

Amazon (AMZN) inked a deal with "buy now, pay later" company Affirm. Innovations like this keep Big Money pouring into Amazon shares.

Amazon (AMZN) 'Affirms' Belief in Buy Now, Pay Later

Affirm Holdings (AFRM) stock is running higher on Friday after the payment plan company released its earnings report for fiscal Q4 2021. The post AFRM Stock: Why ‘Buy Now, Pay Later' Play Affirm Holdings Is Soaring Today appeared first on InvestorPlace.

AFRM Stock: Why ‘Buy Now, Pay Later' Play Affirm Holdings Is Soaring Today

Affirm Holdings Inc (NASDAQ:AFRM) reported Q4 revenue of $261.8 million, up 71% year-on-year, beating the consensus of $226.4 million. The EPS loss of $(0.48) missed the consensus loss of $(0.29).

Why Morgan Stanley Sees 52% Upside In Affirm?

Zscaler

Winners keep on winning. These stocks prove the rule.

News for Affirm Stock (AFRM)