Operating
Payable to third-party loan buyers
Affirm Holdings, Inc. Payable to third-party loan buyers decreased by 254.3% to -$63.46M in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 1318.1%, from $5.21M to -$63.46M. Over 3 years (FY 2021 to FY 2025), Payable to third-party loan buyers shows an upward trend with a 27.6% CAGR.
Analysis
StatementCash Flow Statement
SectionOperating
CategoryLiquidity
SignalContext dependent
VolatilityModerate
First reportedQ1 2019
Last reportedQ2 2026Feb 5, 2026
How to read this metric
An increase indicates the company is holding more investor cash, while a decrease indicates the settlement of these obligations.
Detailed definition
This reflects the change in liabilities owed to third-party loan buyers, typically representing funds collected by the c...
Peer comparison
Specific to fintech platforms and loan marketplaces that service loans on behalf of third-party institutional buyers.
Metric ID:
operating_increase_decrease_in_third_party_loan_owner_payableHistorical Data
18 periods
| Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $13.56M | -$11.62M | $33.05M | -$35.55M | $35.42M | $19.43M | $36.57M | -$83.19M | $55.65M | $25.07M | $0 | $29.91M | -$7.61M | $5.21M | $19.75M | $34.7M | -$17.91M | -$63.46M |
| QoQ Change | — | -185.7% | +384.5% | -207.6% | +199.6% | -45.2% | +88.2% | -327.5% | +166.9% | -54.9% | -100.0% | — | -125.4% | +168.5% | +279.1% | +75.7% | -151.6% | -254.3% |
| YoY Change | — | — | — | — | +161.3% | +267.2% | +10.6% | -134.0% | +186.4% | -31.4% | +100.0% | — | -113.7% | -79.2% | — | +16.0% | -135.4% | <-999% |
Range-$83.19M – $55.65M
CAGR+43.8%
Avg YoY Growth-89.2%
Median YoY Growth-10.4%
Current Streak2 quarters decline
Payable to third-party loan buyers at Other Companies
Frequently Asked Questions
- What is Affirm Holdings, Inc.'s payable to third-party loan buyers?
- Affirm Holdings, Inc. (AFRM) reported payable to third-party loan buyers of -$63.46M in Q4 2025.
- How has Affirm Holdings, Inc.'s payable to third-party loan buyers changed year-over-year?
- Affirm Holdings, Inc.'s payable to third-party loan buyers decreased by 1318.1% year-over-year, from $5.21M to -$63.46M.
- What is the long-term trend for Affirm Holdings, Inc.'s payable to third-party loan buyers?
- Over 3 years (2021 to 2025), Affirm Holdings, Inc.'s payable to third-party loan buyers has grown at a 27.6% compound annual growth rate (CAGR), from $25.08M to $52.06M.
- What does payable to third-party loan buyers mean?
- The change in funds held by the company that are owed to third-party loan investors.