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.

共有:

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製品と売上

製品別売上シェア

売上内訳 ($2.3B)

静的データ（リアルタイム財務ロード中…）

Merchant Network Revenue (35%)

Interest Income (40%)

Gain on Sales & Servicing (25%)

セグメント構成と主要顧客

製品詳細

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.

サプライチェーン関係

パートナー

Amazon.com (AWS)

Amazon checkout BNPL integration

影響: ~$1B GMV

shop

Shop Pay Installments (Shopify)

影響: major distribution

マクロ・市場概況

금융セクターニュース

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)

次の主要イベント

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

AI分析

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企業情報

本社所在地

San Francisco, CA

設立

2012

従業員数

2,400

ウェブサイト

affirm.com

セクター概況 — 금융

セクターニュース