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Affirm Holdings Inc, founded in 2012 by Max Levchin and team, operates as a U.S.-based fintech company specializing in buy-now-pay-later (BNPL), debit cards, and savings solutions. Headquartered at 650 California Street, San Francisco, California 94108, Affirm serves ~23 million active users across 377,000 merchants in the U.S., Canada, and U.K.
In Q2 FY2025 (ended December 31, 2024), Affirm posted revenue of $866 million (up 47% YoY) and net income of $80.4 million, reversing a $167 million loss in Q2 2024. GMV reached $125 M, up 138%) and expanding consumer engagement.
Affirm projects continued growth: in Q4 FY2025 (reported August 2025), revenue was ~$876 million (↑33%) and EPS $0.20 (profit vs $0.14 loss prior year). GMV rose to $10.4 billion (↑43%). Despite losing Walmart partnerships, management signaled strength in merchant revenue and debit card growth. FY2026 GMV is guided to exceed $46 billion.
Affirm also expanded partnerships with Shopify, Amazon, Costco, and launched its own debit card ($67.1 M in Q4 revenue contribution). It continues strategic expansion into Canada and the U.K.
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