Affirm Holdings, Inc.

AFRMintermediary

Affirm is a leading BNPL (buy now, pay later) platform integrated into merchant checkouts, allowing consumers to split purchases into fixed installments. It operates the largest BNPL network in the US.

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Products & Revenue

Product Revenue Share

Revenue Breakdown ($2.3B)

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Merchant Network Revenue (35%)

Interest Income (40%)

Gain on Sales & Servicing (25%)

Segment Breakdown & Key Customers

Product Details

BNPL Installment Loans80%

Pay-in-4 and longer-term installment loans at checkout — 0% APR promo or interest-bearing. Integrated with Shopify, Amazon, Walmart.

Affirm Card10%

Debit card that can split purchases into installments — extending BNPL to everyday spend.

Savings / Consumer App10%

Affirm Savings high-yield account — cross-sell to BNPL users.

Supply Chain Relationships

Partners

Amazon.com (AWS)

Amazon checkout BNPL integration

Impact: ~$1B GMV

shop

Shop Pay Installments (Shopify)

Impact: major distribution

Macro & Market Context

금융Sector News

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Fed Funds Rate

4.25~4.50%

M&A 거래 규모 (2026Q1)

$842B (+34% YoY)

은행 NIM (평균)

2.85%

신용카드 연체율

3.2% (10년 최고)

Upcoming Catalysts

◆JPM·BAC·GS·MS Q1 실적 (2026.04.14~17)◆Fed FOMC 회의 (2026.05, 06)◆Basel III Endgame 최종 규정 확정

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Company Info

Headquarters

San Francisco, CA

Founded

2012

Employees

2,400

Website

affirm.com

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