Affirm Holdings, Inc. - AFRM

Affirm Holdings, Inc. is a financial technology company specializing in point-of-sale consumer lending and digital payments. Headquartered in San Francisco, California, it operates a modern payment network that provides a transparent alternative to traditional credit cards and other legacy payment methods. Affirm’s platform centers on buy now, pay later solutions, allowing shoppers to split purchases into fixed installment plans, often directly embedded into online and in-store checkouts. The company serves both consumers and merchants through three core components: point-of-sale payment options, merchant commerce solutions, and a consumer-focused app. Consumers access financing and payment flexibility via the Affirm app, website, and Affirm Card, which can be used to pay in full or over time, including converting eligible debit transactions into installments. Merchants across sectors such as retail, travel, consumer electronics, and home goods use Affirm to enhance conversion, basket size, and customer engagement, supported by tools like checkout integrations, dashboards, analytics, and promotions capabilities. Affirm participates in capital markets through structures such as asset-backed securitizations, loan sales, and warehouse facilities to fund its lending activities.