Affirm Holdings, Inc.

Affirm Holdings, Inc. is a financial technology company that operates a "Buy Now, Pay Later" (BNPL) payment network primarily in the United States, Canada, and the United Kingdom. The company provides point-of-sale consumer lending and payment solutions, allowing consumers to split purchases into fixed installment loans. Affirm distinguishes itself by offering transparent credit with no hidden or late fees, and by partnering with major retail platforms like Amazon, Walmart, and Shopify.

Financials

Earnings Transcripts

Leadership & board

Acquisitions

The top five merchants and platform partners represented approximately 47% of total GMV as of June 30, 2025 (47% in 2024 and 42% in 2023), with GMV attributable to Amazon alone representing 22% of total GMV in fiscal 2025 (21% in 2024, less than 20% in 2023); no single merchant exceeded 10% of total revenue in fiscal 2025, 2024, or 2023.

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