Affirm Holdings, Inc.
Affirm Holdings, Inc. is classed by the SEC under Personal Credit Institutions (industry code 6141), based in San Francisco, CA. In its latest annual figures on file, for the fiscal year ended 2025-06-30, it reported revenue of $1.1 billion and a profit of $52 million (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6141, Personal Credit Institutions); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 6.0 out of ten, 9 of 9 metrics filed: past 5.6 out of ten, present 6.7 out of ten, future 5.8 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 7.5 out of ten. No warning events in its filings since 2020. 75th percentile among 12 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 6.6 out of ten. +48.7% a year over 8 filed years; profitable in 2 of 8. 66th percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 2.3 out of ten. Share count grew 5.7% a year. 10% of cash flow returned. Insiders: 18 sales, 0 purchases. 23rd percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 6.8 out of ten. ROE 35%: 35¢ of profit per shareholder dollar. Leverage 65%: owes 65¢ per asset dollar. 68th percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 8.6 out of ten. top 14% of 11 in its family; net margin 45.3%. 86th percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 3.3 out of ten. bottom 33% of 11 in its family for leadership; chief executive since 2021. 33rd percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 3.6 out of ten. bottom 36% of 11 in its family for room to expand. 36th percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 6.7 out of ten. top 33% of 11 in its family for growth drivers. 67th percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 7.1 out of ten. top 29% of 11 in its family for expectations against reality. 71st percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-08-27 for the period ended 2026-06-30 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-05-07 for the period ended 2026-03-31 (on EDGAR). Newest results release: Form 8-K filed 2026-08-27 for the period ended 2026-08-25 (on EDGAR). Newest filing: Form 144, 2026-10-09. Filings on record since 2020. Read from EDGAR 2026-10-12.
Where the revenue comes from
By geography: United States 97%, Canada 3%, Other under 1%. As tagged in its annual report (Form 10-K, filed 2026-08-27).
Who runs it
Levchin, Max R (Chief Executive Officer); Linford, Michael (President); Michalek, Libor (President); O'Hare, Robert (Chief Financial Officer); Adkins, Katherine (Chief Legal Officer); Jiyane, Siphelele (Chief Accounting Officer); Watson, Noel Bertram (director); Galanti, Richard A (director); Liew, Jeremy (director); Quarles, Christa S (director); and 4 more. 14 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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