Affirm is a consumer finance company known for point-of-sale “buy now, pay later” instalment loans. It partners with merchants so shoppers can split purchases into fixed payments, often with transparent APR disclosure rather than late fees alone. Revenue comes mainly from merchant fees and consumer interest, with underwriting tied to real-time credit decisions at checkout.
| Quarter | Revenue | YoY % | Earnings | YoY % |
|---|---|---|---|---|
| Q1 2025 | 783.1 | — | 2.8 | — |
| Q2 2025 | 876.4 | — | 69.2 | — |
| Q3 2025 | 933.3 | — | 80.7 | — |
| Q4 2025 | 1,123 | — | 129.6 | — |
| Q1 2026 | 1,038.8 | 32.6% | 102.9 | 3,569.8% |
| Q2 2026 | 1,166 | 33% | 1,616.6 | 2,234.7% |
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