Affirm Holdings information

Affirm Holdings, Inc.
Company type	Public
Traded as	Nasdaq: AFRM (Class A); Russell 1000 component;
Industry	Finance
Founded	2012; 12 years ago
Founders	Max Levchin; Nathan Gettings; Jeffrey Kaditz; Alex Rampell;
Headquarters	650 California Street, San Francisco, California, U.S.
Area served	USA, Canada
Key people	Max Levchin
Products	Adaptive Checkout; Split Pay; Affirm Card;
Services	Consumer loans; Debit card; Installment loan;
Revenue	US$1.59 billion (2023)
Operating income	US$−1.2 billion (2023)
Net income	US$−985 million (2023)
Total assets	US$8.16 billion (2023)
Total equity	US$2.53 billion (2023)
Members	17 million consumers, 279,000 merchants (2023)
Number of employees	2,171 (2023)
Website	www.affirm.com
	Footnotes / references; Financials as of June 30, 2023

Affirm Holdings, Inc. is an American public company founded by PayPal co-founder Max Levchin in 2012.^[2] It is a fintech company with a buy now, pay later service for online and in-store shopping. Affirm leads the U.S. buy now, pay later sector,^[3]^[4]^[5] reporting over 17 million users and US$20.2 billion annual GMV as of 2023.^[6]^[7]^[8]^[9]

Affirm offers its consumer lending solutions through various methods, including a payment link at online checkout, a virtual card, or a physical card. The company generates revenue by applying a service fee to merchants, charging interest to consumers, or both.^[10]^[11] Affirm states that its loan underwriting process involves evaluating transactions by considering credit scores and other pertinent factors, while also incorporating machine learning.^[12]^[13]

^ "Affirm Holdings Form 10-K". U.S. Securities and Exchange Commission. August 25, 2023.
^ Sen, Anirban (2021-01-06). "Fintech startup Affirm aims for over $9 bln valuation in U.S. IPO". Reuters.
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^ Egan, Matt (2024-02-27). "The two-letter word helping this lender buck the delinquency storm | CNN Business". CNN. Retrieved 2024-02-28.
^ Cite error: The named reference :13 was invoked but never defined (see the help page).
^ Affirm Holdings, Inc. (2023-08-25). "FORM 10-K for the fiscal year ended June 30, 2023". www.sec.gov. Retrieved 2024-02-19.
^ Zacks Equity Research (2024-01-15). "Here's Why You Should Retain Affirm (AFRM) Stock for Now". Yahoo Finance. Retrieved 2024-02-19.
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[10K-1] "Affirm Holdings Form 10-K". U.S. Securities and Exchange Commission. August 25, 2023.

[:1-2] Sen, Anirban (2021-01-06). "Fintech startup Affirm aims for over $9 bln valuation in U.S. IPO". Reuters.

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[:14-6] Egan, Matt (2024-02-27). "The two-letter word helping this lender buck the delinquency storm | CNN Business". CNN. Retrieved 2024-02-28.

[:13-7] Cite error: The named reference :13 was invoked but never defined (see the help page).

[:10-8] Affirm Holdings, Inc. (2023-08-25). "FORM 10-K for the fiscal year ended June 30, 2023". www.sec.gov. Retrieved 2024-02-19.

[:12-9] Zacks Equity Research (2024-01-15). "Here's Why You Should Retain Affirm (AFRM) Stock for Now". Yahoo Finance. Retrieved 2024-02-19.

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