Welcome to our dedicated page for Affirm Holdings SEC filings (Ticker: AFRM), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Digging through Affirm’s BNPL credit metrics, delinquency tables, and securitization details can take hours. Each Affirm Holdings 10-K or 10-Q packs dense disclosures on loan performance, funding costs, and merchant concentration—information essential to valuing a fintech lender but difficult to locate quickly.
Stock Titan solves that problem. Our AI reads every new document the moment it hits EDGAR, then delivers Affirm SEC filings explained simply. Compare charge-offs quarter over quarter with one click in the Affirm quarterly earnings report 10-Q filing, or see an Affirm annual report 10-K simplified summary that highlights risk-factor changes and BNPL regulatory updates. Need transaction alerts? We stream Affirm Form 4 insider transactions real-time, letting you track Affirm executive stock transactions Form 4 without sifting through PDFs. Even sudden events—new bank credit lines or securitization upsizes—appear instantly via our Affirm 8-K material events explained feed.
Whether you’re screening for Affirm insider trading Form 4 transactions, running an Affirm earnings report filing analysis, or reviewing the Affirm proxy statement executive compensation table, our platform keeps you ahead. Real-time updates, AI-powered summaries, and expert context mean you spend less time reading and more time making decisions—understanding Affirm SEC documents with AI instead of drowning in them.
Affirm Holdings (AFRM) reported a strong quarter for the three months ended September 30, 2025, with total revenue of $933.3 million, up from $698.5 million a year ago, and net income of $80.7 million versus a prior-year net loss of $100.2 million. Basic EPS was $0.24 and diluted EPS was $0.23.
Growth was broad-based: merchant network revenue reached $251.1 million and card network revenue was $69.3 million, while interest income rose to $454.1 million. Gain on sales of loans increased to $119.0 million and servicing income to $39.7 million. Operating expenses totaled $869.7 million, including provision for credit losses of $162.8 million and funding costs of $110.0 million, resulting in operating income of $63.7 million.
On the balance sheet, total assets were $11.48 billion, including cash and cash equivalents of $1.43 billion and loans held for investment, net, of $6.81 billion. Total liabilities were $8.18 billion, including notes issued by securitization trusts of $4.83 billion and funding debt of $1.78 billion. Stockholders’ equity was $3.30 billion. As of October 31, 2025, Class A shares outstanding were 289,362,771 and Class B were 40,710,867.
Affirm Holdings (AFRM) entered a new long‑term agreement with Amazon. On November 6, 2025, its subsidiary Affirm, Inc. signed a Second Amended and Restated Installment Financing Services Agreement with Amazon.com Services LLC and Amazon Payments, Inc. Effective February 1, 2026, the agreement runs for five years through January 2031 and then renews annually unless notice is given. Affirm will continue offering its closed‑end installment loans on Amazon.com and via the Amazon Pay widget on certain third‑party online channels.
Affirm also amended Amazon’s equity warrant. The amended warrant covers up to 15,000,000 Class A shares. The exercise price remains
Affirm Holdings, Inc. (AFRM) reported an insider equity update. On 11/01/2025, the company’s Chief Legal Officer settled restricted stock units (RSUs), acquiring 1,705 shares of Class A common stock at $0 via a derivative conversion, then had 772 shares withheld at $71.88 to cover taxes.
Following these transactions, the officer beneficially owned 124,419 shares directly. The RSU conversions included 1,401 shares and 304 shares. Remaining derivative holdings were 14,015 RSUs (vesting in 48 equal monthly installments beginning 10/01/2022) and 611 RSUs (vesting in 48 equal monthly installments beginning 02/01/2022), with each RSU representing one share of Class A common stock.
Affirm Holdings (AFRM) reported a Form 4 for its Chief Operating Officer. On November 1, 2025, 2,335 shares of Class A common stock were acquired at $0 through the settlement of vested RSUs (code M), and 983 shares were withheld to cover taxes at $71.88 per share (code F). Following these transactions, the officer directly owned 49,935 shares of Class A common stock.
The filing also lists 23,358 RSUs beneficially owned after the transaction. Each RSU equals one Class A share and vests in 48 equal monthly installments beginning October 1, 2022.
Affirm Holdings, Inc. (AFRM) reported an insider equity update on a Form 4. On 11/01/2025, an officer/director settled 2,335 Restricted Stock Units into Class A Common Stock (Code M) at $0, and 1,186 shares were withheld (Code F) at $71.88 to satisfy taxes.
Following these transactions, the reporting person beneficially owned 198,533 Class A shares directly and 868,114 indirectly through the Michalek 2007 Family Trust. The filing also notes 23,358 RSUs remaining. The RSUs vest in 48 equal monthly installments beginning October 1, 2022, subject to continuous service, and the grant has no expiration date.
Affirm Holdings (AFRM) filed its 2025 proxy for a virtual annual meeting on December 15, 2025 at 9:00 a.m. PT via www.proxydocs.com/AFRM. Stockholders of record as of October 17, 2025 may vote.
The agenda includes three items: elect three Class II directors (Richard Galanti, Christa S. Quarles, and Manolo Sánchez) to terms ending in 2028; ratify Deloitte & Touche LLP as independent auditor for the fiscal year ending June 30, 2026; and approve, on a non‑binding advisory basis, executive compensation. Directors are elected by a majority of votes cast.
Governance highlights include a Lead Independent Director (Christa S. Quarles), majority independent board, and established board committees. Financial highlights for fiscal 2025 show GMV $36.7B (up 38%), total revenue $3.2B (up 39%), revenue less transaction costs $1.5B (up 49%), operating loss ($87)M, adjusted operating income $778M, and net income $52.2M.
Affirm Holdings (AFRM) Chief Operating Officer reported routine equity activity on a Form 4. On 10/01/2025, 2,336 shares of Class A common stock were acquired at $0 upon RSU settlement (code M), and 985 shares were withheld at $74.42 to cover taxes (code F). Following these transactions, the reporting person directly beneficially owned 48,583 shares.
Each RSU represents one share of Class A common stock and vests in 48 equal monthly installments beginning October 1, 2022, subject to continued service.
Libor Michalek, President and Director of Affirm Holdings, Inc. (AFRM), reported transactions related to vested restricted stock units (RSUs) on 10/01/2025. 2,336 RSUs vested and were reported as acquired (code M) with a $0 price; those vested shares increased his direct beneficial ownership to 25,693 shares. To satisfy tax withholding on the vesting, 1,187 shares were withheld (transaction code F) at a per-share price of $74.42, reducing his direct holdings to 197,384 shares. The filing also shows an indirect holding of 868,114 Class A shares held by the Michalek 2007 Family Trust, of which he and his spouse are trustees. The RSUs vest monthly in 48 equal installments from 10/01/2022 and have no expiration.
Katherine Adkins, the company's Chief Legal Officer, reported transactions in Affirm Holdings, Inc. (AFRM) dated 10/01/2025. The filing shows an acquisition of 1,706 shares of Class A common stock recorded under code M at no cash price and a withholding/disposition of 773 shares at $74.42 to satisfy tax obligations, resulting in 123,486 shares beneficially owned after the reported transactions. Separate entries show the settlement of Restricted Stock Units: 305 RSUs and 1,401 RSUs were reported as acquired (code M) with a $0 price, yielding reported beneficial RSU holdings of 915 and 15,416 shares respectively. The filing notes these RSU grants vest in 48 equal monthly installments (one grant beginning February 1, 2022, the other October 1, 2022) and that the 773 shares were withheld to cover tax withholding on RSU settlement.
FAQ
What is the current stock price of Affirm Holdings (AFRM)?
What is the market cap of Affirm Holdings (AFRM)?
