(AFRM) Affirm Holdings - Ratings and Ratios

Affirm Holdings, Inc. operates a payment network in the United States, Canada, and internationally, specializing in the Buy Now, Pay Later (BNPL) space. The companys platform provides point-of-sale payment solutions for consumers, merchant commerce solutions, and a consumer-focused app. Affirms commerce platform, along with partnerships with originating banks and capital markets, allows consumers to pay for purchases over time. The company serves a diverse range of merchants, including small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and omni-channel companies. These merchants span various industries such as sporting goods and outdoors, home and lifestyle, travel and ticketing, electronics, fashion and beauty, equipment and auto, and general merchandise. Affirm Holdings, Inc. was founded in 2012 and is headquartered in San Francisco, California.

Affirm Holdings, Inc. has established itself as a leader in the BNPL sector, offering transparent payment options without late fees. The companys Super App integrates multiple financial services, enhancing user experience. Their revenue is generated through merchant fees and consumer interest. Strategic acquisitions and a focus on technology have driven their expansion. Affirms partnerships with major merchants and emphasis on user experience contribute to their competitive edge.