Affirm is a 'buy now, pay later' app that lets shoppers split purchases into installments at checkout, from one month up to 48 months, across roughly 29,000 merchants from gym gear to jewelry. Think of it as a digital credit card for specific items.
Money comes from merchant fees and consumer interest on installment loans, with revenue hitting USD 3.22B in fiscal 2025 and gross margin around 67.7%. It just turned profitable—net income was USD 0.05B for the year, flipping from a USD 0.52B loss the prior ye
Affirm's 29,000 merchant integrations create switching costs, and its underwriting data on purchase behavior is hard to replicate. But competition is heating up: Klarna, PayPal, and Block's Afterpay offer similar checkout loans, and rising interest rates could
Key events, in time order
Company sets official date for Q4 FY2026 shareholder letter and financial results
Zacks highlighted AFRM among top growth stocks for July 28 based on growth characteristics
Institutional 13F filing reveals quarterly stake increase, signaling capital movement
AFRM appears on relative strength list amid broader rating changes; no new independent facts.
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Affirm Holdings ($AFRM) is among several companies with upcoming earnings reports this week. The discussion focuses on the anticipation of these financial results.
Main discussion
We all know what people care about this week $NVDA 👀 Some other good names reporting as well: $XPEV, $ZM, $CRM, $CRWD, $OKTA, $MRVL, $BILI, $IREN, $AFRM, $WDAY, $RBRK Drop names you want to see historical earnings reports for below 👇 https://t.co/Vxb8vS8FgU
Week ahead 🎞️: ▪️ Consumer confidence, New 🏠 sales, $ZM earnings Tue ▪️ 🚨 $NVDA $CRM $CRWD $OKTA earnings Wed ▪️ 🚨 PCE Wed ▪️ $MRVL $ULTA $S $IREN $AFRM earnings Thurs ▪️ 🚨 US Fed chair Warsh speech @ Jackson ⛳️ Fri $SPY $QQQ $VIX https://t.co/uLgjs67KfM
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