Affirm Holdings, Inc. (AFRM) — SEC Filings
Affirm Holdings, Inc. (AFRM) — 35 SEC filings. Latest: 4 (Apr 9, 2026). Includes 16 8-K, 8 SC 13G/A, 5 10-Q.
View Affirm Holdings, Inc. on SEC EDGAR
Overview
Affirm Holdings, Inc. (AFRM) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 8-K filed on Dec 18, 2025: Affirm Holdings, Inc. filed an 8-K on December 18, 2025, reporting on matters submitted to a vote of security holders as of December 15, 2025. The filing details routine corporate actions and does not disclose new financial performance or strategic changes.
Sentiment Summary
Across 35 filings, the sentiment breakdown is: 2 bullish, 1 bearish, 31 neutral, 1 mixed. The dominant filing sentiment for Affirm Holdings, Inc. is neutral.
Filing Type Overview
Affirm Holdings, Inc. (AFRM) has filed 1 4, 16 8-K, 5 10-Q, 3 DEF 14A, 2 10-K, 8 SC 13G/A with the SEC between Jan 2024 to Apr 2026.
Filings by Year
Recent SEC Filings (35)
Risk Profile
Risk Assessment: Of AFRM's 29 recent filings, 0 were flagged as high-risk, 14 as medium-risk, and 15 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $933.337M |
| Net Income | $80.694M |
| Cash Position | $1.429B |
| Total Assets | $11.478B |
| Total Debt | $7.736B |
Key Executives
- Richard Galanti
- Christa S. Quarles
- Manolo Sánchez
- Max Levchin
- Katherine Adkins
Industry Context
The 'buy now, pay later' (BNPL) sector continues to evolve rapidly, driven by consumer demand for flexible payment options and merchant interest in boosting sales. However, the industry faces increasing scrutiny regarding consumer protection, credit risk management, and regulatory compliance. Competition remains fierce, pushing companies to innovate and optimize their offerings.
Top Tags
sec-filing (4) · 10-Q (4) · financials (4) · 8-k (4) · institutional-ownership (4) · Fintech (3) · BNPL (3) · executive-compensation (3) · material-agreement (3) · amendment (3)
Executive Compensation
From the most recent DEF 14A filing (Oct 24, 2025):
- Richard Galanti — Director
- Christa S. Quarles — Director
- Manolo Sánchez — Director
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Net Income | $80.694M | Swung from a $100.222M net loss in Q3 2024 to a profit in Q3 2025. |
| Total Revenue, Net | $933.337M | Increased 33.6% from $698.479M in Q3 2024. |
| Merchant Network Revenue Growth | 36.2% | Increased to $251.147M from $184.339M year-over-year. |
| Interest Income Growth | 20.4% | Increased to $454.122M from $377.064M year-over-year. |
| Gain on Sales of Loans | $119.049M | More than doubled from $63.613M in Q3 2024. |
| Sales and Marketing Expense Reduction | 45.9% | Decreased to $78.491M from $145.233M in Q3 2024. |
| Provision for Credit Losses | $162.752M | Increased from $159.824M in Q3 2024, indicating ongoing credit risk. |
| Loans Held for Investment, Net | $6.809B | Increased from $6.628B as of June 30, 2025. |
| Total Assets | $11.478B | Increased from $11.154B as of June 30, 2025. |
| Funding Costs | $110.027M | Increased from $104.145M in Q3 2024, reflecting higher interest rates. |
| Gross Merchandise Volume (GMV) | $36.7B | Increased 38% from fiscal 2024 |
| Total Revenue | $3.2B | Increased 39% from fiscal 2024 |
| Revenue Less Transaction Costs | $1.5B | Increased 49% from fiscal 2024 |
| Operating Income (Loss) | ($87)M | Reported for fiscal 2025 |
| Adjusted Operating Income | $778M | Reported for fiscal 2025 |
Forward-Looking Statements
- {"claim":"Capital Research Global Investors will continue to hold a significant, albeit potentially fluctuating, stake in Affirm Holdings, Inc. over the next year.","entity":"Capital Research Global Investors","targetDate":"2025-02-09","confidence":"medium"}
- {"claim":"GIC Private Limited will maintain a significant, passive stake in Affirm Holdings, Inc. for the foreseeable future.","entity":"GIC Private Limited","targetDate":"December 31, 2024","confidence":"high"}
- {"claim":"Affirm will continue to see strong growth in its Merchant Network revenue in the next fiscal quarter.","entity":"Affirm Holdings, Inc.","targetDate":"2024-03-31","confidence":"medium"}
- {"claim":"The 'Buy Now, Pay Later' market will continue to expand, benefiting Affirm's Virtual Card Network.","entity":"Affirm Holdings, Inc.","targetDate":"2024-06-30","confidence":"medium"}
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Frequently Asked Questions
What are the latest SEC filings for Affirm Holdings, Inc. (AFRM)?
Affirm Holdings, Inc. has 35 recent SEC filings from Jan 2024 to Apr 2026, including 16 8-K, 8 SC 13G/A, 5 10-Q. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of AFRM filings?
Across 35 filings, the sentiment breakdown is: 2 bullish, 1 bearish, 31 neutral, 1 mixed. The dominant sentiment is neutral.
Where can I find Affirm Holdings, Inc. SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Affirm Holdings, Inc. (AFRM) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Affirm Holdings, Inc.?
Key financial highlights from Affirm Holdings, Inc.'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for AFRM?
The investment thesis for AFRM includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Affirm Holdings, Inc.?
Key executives identified across Affirm Holdings, Inc.'s filings include Richard Galanti, Christa S. Quarles, Manolo Sánchez, Max Levchin, Katherine Adkins.
What are the main risk factors for Affirm Holdings, Inc. stock?
Of AFRM's 29 assessed filings, 0 were flagged high-risk, 14 medium-risk, and 15 low-risk.
What are recent predictions and forward guidance from Affirm Holdings, Inc.?
Recent forward-looking statements from Affirm Holdings, Inc. include guidance on {"claim":"Capital Research Global Investors will continue to hold a significant, albeit potentially fluctuating, stake i and 3 other predictions.