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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Produk & Pendapatan

Pangsa Pendapatan Produk

Komposisi Pendapatan ($2.3B)

Data statis (memuat keuangan langsung…)

Merchant Network Revenue (35%)

Interest Income (40%)

Gain on Sales & Servicing (25%)

Komposisi segmen dan pelanggan utama

Detail produk

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.

Hubungan Rantai Pasok

Mitra

Amazon.com (AWS)

Amazon checkout BNPL integration

Dampak: ~$1B GMV

shop

Shop Pay Installments (Shopify)

Dampak: major distribution

Konteks makro dan pasar

금융Berita sektor

금리 인하 사이클 + 자본시장 회복 — IB 수수료·대출 스프레드 동시 개선

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)

Katalis mendatang

◆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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Info Perusahaan

Kantor Pusat

San Francisco, CA

Didirikan

2012

Karyawan

2,400

Situs Web

affirm.com

Gambaran umum sektor — 금융

Berita sektor