Affirm Holdings, Inc.
Affirm is a financial technology company that operates a next-generation payment network designed to replace legacy credit systems with transparent, honest financial products. The company provides point-of-sale payment solutions that allow consumers to pay for purchases over time without late fees, compounding interest, or hidden charges. By leveraging proprietary machine learning and transaction-level underwriting, Affirm helps merchants increase conversion and average order value while providing consumers with flexible, responsible spending options.
Financials
Based on Q1 2026 · FQ3 FY2026 filing
Revenue
View metricNet Income
View metricOperating Cash Flow
View metricFree Cash Flow
View metricEPS (Diluted)
View metricBusiness Segments
Consumer Payment Solutions
primaryFlexible financing options offered at the point of sale or through the Affirm app, allowing consumers to split purchases into installments. These products use proprietary risk models to provide real-time credit decisions for specific transactions.
Pay-in-X, 0% APR monthly installment loans, Interest-bearing monthly installment loans, Affirm Card, Virtual Card
Individual consumers, Retail shoppers
Merchant Commerce Solutions
majorA suite of technology and marketing tools that enable merchants to integrate Affirm's payment options into their checkout flows. These solutions drive customer acquisition and demand generation for businesses across various industries.
Affirm at Checkout API, Affirm Marketplace, Merchant Dashboard
Small businesses, Large enterprises, Direct-to-consumer brands, Brick-and-mortar retailers
Consumer Financial Services
minorAncillary financial products designed to encourage responsible saving and provide a comprehensive digital banking experience within the Affirm ecosystem.
Affirm Money Account
Individual consumers, Savers
Segment Financials
Card network revenue — Revenue
View metricMerchant network revenue — Revenue
View metricBusiness Overview
Competitive Position
A leading provider of Buy Now, Pay Later (BNPL) services that differentiates itself through a 'no late fees' policy and transaction-level underwriting.
Geographies
United States, North America
Customer Segments
Retailers, E-commerce Platforms, Mass Market Consumers
Upstream Dependencies
Bank partners for loan origination, Cloud infrastructure providers, Credit bureaus and data providers, Payment networks (Visa/Mastercard)
Downstream Customers
Retail consumers, Omni-channel merchants, E-commerce platforms
Competitors & Partners
Competitors
PayPal Holdings, Inc.
PYPL
Direct competitor in digital payments and installment financing
Synchrony Financial
SYF
Non-bank Buy Now Pay Later competitor
Block
XYZ
BNPL competitor
SoFi Technologies, Inc.
SOFI
Buy now, pay later and technology-enabled lender
JPMorgan Chase
JPM
Traditional financial institution offering post-purchase installment plans
Partners
Cross River Bank
Originating bank partner for Affirm Money Account and lending products
Visa
V
Payment network provider for physical and virtual cards
Shopify
SHOP
E-commerce platform integration partner
Amazon
AMZN
Major merchant partner integrated with Affirm checkout
Affirm Holdings, Inc. FAQ
Common questions about Affirm Holdings, Inc.
Affirm is a financial technology company that operates a next-generation payment network designed to replace legacy credit systems with transparent, honest financial products. The company provides point-of-sale payment solutions that allow consumers to pay for purchases over time without late fees, compounding interest, or hidden charges. By leveraging proprietary machine learning and transaction-level underwriting, Affirm helps merchants increase conversion and average order value while providing consumers with flexible, responsible spending options.
Affirm Holdings, Inc. (AFRM) has a market capitalization of $21.6B and trades on NASDAQ.
Affirm Holdings, Inc. generated $4.0B in trailing twelve-month revenue with net income of $382.4M, representing a net margin of 9.6%, with free cash flow of $786.9M. These figures are based on the Q1 2026 filing.
Affirm Holdings, Inc.'s key competitors include PayPal, SYNCHRONY FINANCIAL, Block, Inc., and others. These companies compete in similar markets and product categories.
Affirm Holdings, Inc. has approximately 2,171 employees.