{"filings":[{"id":1276647,"accession_number":"0001628280-26-045491","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2026-06-25T20:05:17+00:00","items":["1.01","5.02","9.01"],"status":"ready","headline":"Affirm upsizes revolver to $675M, extends maturity, adds director Ryan Schneider","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Revolving credit facility increased from $330M to $675M; maturity extended to June 18, 2029 (subject to 2026 convertible notes condition).","No amounts outstanding at closing; proceeds for general corporate purposes. Interest SOFR+1.50% or base+0.50%.","Ryan Schneider appointed Class III director effective July 1, 2026; former CEO of Anywhere Real Estate and Capital One executive.","Schneider joins Audit and Nominating/Governance committees; receives standard director compensation ($260K RSU grant, $55K cash retainer)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":95807,"accession_number":"0001628280-26-032105","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2026-05-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Affirm reports FQ3'26 results; specific financial figures unavailable in excerpt","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Company issued shareholder letter for fiscal third quarter ended March 31, 2026 as Exhibit 99.1.","Letter states 'outstanding set of results' but no quantitative data is present in the filing excerpt.","Filing includes non-GAAP financial measures and reconciliations as referenced in the letter."],"consensus_eps_estimate":null,"consensus_eps_actual":0.9,"consensus_revenue_estimate":null,"consensus_revenue_actual":3095122000.0,"consensus_period":"2026-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":109141,"accession_number":"0001628280-26-005772","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2026-02-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Affirm reports Q2 FY2026 results; positive tone but no quantitative data in excerpt","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Affirm issued shareholder letter for quarter ended Dec 31, 2025, claiming 'excellent results'.","Filing only includes qualitative commentary; no revenue, EPS, or segment figures provided in the available snippet.","The complete shareholder letter is attached as Exhibit 99.1; investors should refer to the full document for financial details."],"consensus_eps_estimate":null,"consensus_eps_actual":0.6,"consensus_revenue_estimate":null,"consensus_revenue_actual":2056357000.0,"consensus_period":"2026-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":109140,"accession_number":"0001628280-26-002442","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2026-01-16T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Affirm grants 333,667 PSUs to CEO Max Levchin with three-year performance period","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Grant of 333,667 PSUs to founder/CEO Max Levchin under Amended 2012 Stock Plan.","Performance measures: growth in revenue less transaction costs (50%) and adjusted operating income (50%).","Three-year performance period starting July 1, 2025; shares earned based on average annual growth vs targets.","Earned PSUs range from 50% (threshold) to 200% (maximum) of grant; vest at end of period subject to continued service.","Follows expiration of prior value creation award granted Jan 2021 with five-year period ending Jan 11, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":125628,"accession_number":"0001628280-25-057930","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2025-12-18T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Affirm shareholders elect three Class II directors, ratify auditor, approve say-on-pay","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Richard Galanti elected with 814M votes for, 0.6M against; Christa Quarles 782M for, 32.7M against; Manolo Sánchez 794M for, 20.5M against.","Deloitte & Touche ratified as independent auditor for FY 2026 with 840M votes for, 178.7K against.","Non-binding advisory vote on named executive officer compensation approved: 788.6M for, 26.2M against.","Quorum achieved with 93.4% of combined voting power present; Class B shares carry 15 votes per share."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":125627,"accession_number":"0001628280-25-050159","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2025-11-06T23:59:59+00:00","items":["1.01","2.02","3.02","9.01"],"status":"ready","headline":"Affirm extends Amazon partnership through 2031, amends warrant; Q1 results described as stellar","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Entered Second Amended and Restated Installment Financing Services Agreement with Amazon, effective Feb 1, 2026, through Jan 2031, with auto-renewal.","Amazon warrant amended: exercise price for future vesting set at $63.06 per share (previously $100.00 for pre-Feb 2026 vesting).","Q1 FY2026 shareholder letter released; described as 'stellar results' but specific financial figures not provided in available excerpt.","Agreement continues availability of Affirm loans on Amazon.com and via Amazon Pay widget on third-party sites."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":142355,"accession_number":"0001628280-25-042335","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2025-09-22T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Affirm grants annual equity awards to four execs; CFO O'Hare gets 33,366 RSUs and PSUs","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["CFO O'Hare receives 33,366 PSUs + 33,366 RSUs; COO Linford, President Michalek each get 44,488 PSUs and RSUs.","PSUs vest based on three-year performance: revenue less transaction costs (50%) and adjusted operating income (50%).","PSU payout ranges from 50% (threshold) to 200% (maximum) of target; RSUs vest quarterly over three years.","Compensation Committee approved grants on September 18, 2025 under the 2012 Stock Plan."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":142354,"accession_number":"0001820953-25-000078","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2025-08-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Affirm Q4 FY2025 shareholder letter cites accelerating GMV growth; full figures not provided","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Filing includes shareholder letter for fiscal Q4 ended June 30, 2025.","Letter describes 'tour-de-force quarter' and 'accelerating GMV growth'.","Complete financial data (revenue, EPS, etc.) not present in the provided text excerpt.","Sentiment positive based on qualitative language, but quantitative assessment not possible.","Confidence low due to incomplete exhibit; detailed results not available."],"consensus_eps_estimate":null,"consensus_eps_actual":0.15,"consensus_revenue_estimate":null,"consensus_revenue_actual":3224412000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":160380,"accession_number":"0001820953-25-000064","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2025-06-26T23:59:59+00:00","items":["5.07","8.01","9.01"],"status":"ready","headline":"Affirm stockholders approve reincorporation from Delaware to Nevada, effective July 1, 2025","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Approval vote: 675,165,243 for, 124,941,582 against, 608,899 abstain.","Reincorporation effective July 1, 2025 at 12:01 a.m. PT.","No change in business, management, operations, or stock symbol (AFRM).","Each share of Class A and Class B common stock converts 1:1 to Nevada shares.","Stockholder rights will change; details in proxy statement incorporated by reference."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":160379,"accession_number":"0001820953-25-000061","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2025-06-12T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Affirm director Keith Rabois resigns; former Costco CFO Richard Galanti appointed to board","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Keith Rabois resigned from board effective June 30, 2025; no disagreement with company.","Richard Galanti (retired Costco EVP/CFO) appointed Class II director effective July 1, 2025; joins Compensation Committee.","Galanti to receive $500K RSUs (3-year vest), $200K annual RSU grant, $45K cash retainer, plus committee fees.","Galanti served as Costco CFO for ~39 years (1985-2024) and on Costco board until January 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":160378,"accession_number":"0001820953-25-000050","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2025-05-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Affirm reports FQ3 2025 results; highlights strong performance in shareholder letter","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Company issued shareholder letter for fiscal Q3 ended March 31, 2025.","Letter states 'another strong set of results' but no numerical details provided.","Full shareholder letter is attached as Exhibit 99.1.","Non-GAAP financial measures are included with reconciliations in the letter."],"consensus_eps_estimate":0.1093,"consensus_eps_actual":-0.05,"consensus_revenue_estimate":null,"consensus_revenue_actual":2347995000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl+finnhub","sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":178656,"accession_number":"0001820953-25-000036","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2025-03-17T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Walmart-backed OnePay selects Klarna for installment loans; Affirm's Walmart GMV ~5%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["OnePay (majority-owned by Walmart) chose Klarna to offer installment loan financing at Walmart starting later in 2025.","Affirm continues as integrated merchant partner at Walmart but loses potential exclusivity.","6 months ended Dec 31, 2024: Walmart integrated program ~5% of GMV, ~2% of Adjusted Operating Income."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":178655,"accession_number":"0001820953-25-000031","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2025-02-28T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Affirm files prospectus supplement to S-3 shelf registration","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Filed prospectus supplement on Feb 28, 2025 to existing automatic shelf registration.","No specific securities, amounts, or pricing disclosed in this filing.","Opinion of Gibson, Dunn & Crutcher LLP on legality attached as Exhibit 5.1.","Routine capital markets activity; no immediate offering announced."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":178654,"accession_number":"0001820953-25-000017","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2025-02-20T23:59:59+00:00","items":["1.01","1.02","7.01","9.01"],"status":"ready","headline":"Affirm and Shopify expand global partnership; exclusive US/Canada, plans UK entry","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["New multi-year agreement replaces prior deal; initial term to June 2028 with auto-renewals.","Affirm remains exclusive pay-over-time provider for Shop Pay Installments in US; extended to Canada.","Affirm to launch in Canada in coming months; plans to enter UK market as part of global expansion.","Merchants pay percentage plus fixed fee per sale; Affirm pays Shopify a fee on each transaction.","Partnership began in 2021; millions of US consumers use Shop Pay Installments on Shopify's network."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":178653,"accession_number":"0001820953-25-000010","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2025-02-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Affirm FQ2'25 results exceed previous outlook; specifics not in filing excerpt","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Company states it exceeded outlook on all financial metrics for quarter ended Dec 31, 2024.","Shareholder letter furnished as Exhibit 99.1 but content truncated in filing.","No specific revenue, EPS, or guidance figures available from provided text."],"consensus_eps_estimate":0.1087,"consensus_eps_actual":-0.06,"consensus_revenue_estimate":null,"consensus_revenue_actual":1564861000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":195314,"accession_number":"0001820953-24-000073","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2024-12-20T23:59:59+00:00","items":["1.01","2.03","3.02","8.01","9.01"],"status":"ready","headline":"Affirm issues $920M of 0.75% convertible notes due 2029, repurchases $960M of 2026 notes and $250M stock","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $920M aggregate principal of 0.75% Convertible Senior Notes due 2029, including $120M overallotment exercised.","Initial conversion rate 9.8992 shares per $1,000 principal, conversion price ~$101.02 per share.","Repurchased $960M of 0% convertible notes due 2026 for $892.8M in privately negotiated transactions.","Repurchased 3,526,590 shares of Class A common stock for ~$250M from note purchasers.","Notes mature December 15, 2029; interest payable semiannually starting June 15, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":195313,"accession_number":"0001820953-24-000065","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2024-12-18T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Affirm prices $800M 0.75% convertible notes due 2029; proceeds to repurchase debt and stock","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Upsized from $750M; initial conversion price ~$101.02/share (42.5% premium to Dec 17 close of $70.89).","Net proceeds ~$785.2M ($903.1M if over-allotment exercised) to repurchase ~$960M of 0% notes due 2026 and $250M of Class A stock.","Notes bear 0.75% interest, mature Dec 15, 2029; redeemable after Dec 20, 2027 if stock price >=130% conversion price.","Offering in private placement to QIBs; not registered under Securities Act."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":195312,"accession_number":"0001820953-24-000064","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2024-12-16T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Affirm proposes $750M convertible notes due 2029, concurrent stock buyback up to $300M","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Offering $750M in convertible senior notes due Dec 2029; initial purchasers may purchase up to $112.5M additional.","Net proceeds to repurchase portion of existing 0% convertible notes due 2026 and up to $300M of Class A common stock.","Notes convertible upon conditions before Sept 2029; Affirm may settle in cash, stock, or combination.","Concurrent repurchases of 2026 notes and stock in private transactions; terms individually negotiated."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":195311,"accession_number":"0001820953-24-000063","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2024-12-12T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Affirm shareholders elect three Class I directors and ratify auditor at annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Elected Libor Michalek, Jacqueline D. Reses, and Noel Watson as Class I directors with >95% votes cast in favor.","Ratified Deloitte & Touche LLP as independent auditor for FY 2025 with 99.9% votes cast in favor.","Non-binding advisory vote approved executive compensation with ~93% of votes cast in favor.","Quorum present with 89.30% of combined voting power represented.","All three proposals passed with broker non-votes reported only for director election and say-on-pay."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":195310,"accession_number":"0001820953-24-000058","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2024-11-07T23:59:59+00:00","items":["2.02","5.02","8.01","9.01"],"status":"ready","headline":"Affirm beats FQ1'25 guidance: GMV $7.6B (+35%), rev $698M (+41%), appoints new CFO","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue +41% YoY to $698M; Adjusted Operating Income +$70M to $130M; Operating loss narrowed $77M to $133M.","GMV grew 35% YoY to $7.6B; active consumers +11% YoY; transactions per active consumer hit 5.1.","RLTC as % of GMV was 3.8%, within target; Net loss improved $72M to $100M.","Rob O'Hare appointed CFO effective Nov 8, 2024; succeeds Michael Linford who remains COO.","Board authorized up to $500M repurchase of 0% convertible notes due 2026, starting Jan 1, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.31,"consensus_revenue_estimate":null,"consensus_revenue_actual":698479000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":211572,"accession_number":"0001820953-24-000033","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2024-08-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Affirm reports FQ4'24 revenue $659M (+48% YoY), RLTC $309M (+70%), and sets GAAP profitability goal","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $659M, +48% YoY; GMV $7.2B, +31% YoY; RLTC $309M, +70% YoY.","Adjusted operating income $150M in Q4 vs $15M last year; full-year adjusted OI $381M.","Net loss narrowed to $45M from $206M a year ago; sets goal of GAAP profitability in FQ4'25.","Transactions grew 42% YoY to 24.7M; active merchants exceeded 300,000.","Repeat buying behavior strengthens: 4.9 transactions per active consumer, up 26% YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.67,"consensus_revenue_estimate":null,"consensus_revenue_actual":2322999000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":211571,"accession_number":"0001820953-24-000027","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2024-07-01T23:59:59+00:00","items":["1.01","8.01","9.01"],"status":"ready","headline":"Affirm reports Affirm Card data breach via Evolve Bank & Trust; secures $330M credit facility","summary_kind":"llm","event_type":"cyber","confidence":"high","bullets":["Evolve Bank & Trust notified Affirm that Affirm Card user personal information compromised in third-party cyber incident; Affirm systems not breached.","Affirm began investigation, notified law enforcement and all Affirm Card users; heightened fraud monitoring; card usage unaffected.","Amendment No. 2 to revolving credit facility increased commitments from $205M to $330M and extended maturity to June 26, 2027.","Borrowings bear interest at SOFR + 1.75% or base rate + 0.75%; commitment fee 0.20% on unused; no amounts drawn at closing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":230264,"accession_number":"0001820953-24-000024","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2024-06-20T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Affirm announces Lead Independent Director departure and new Board appointment","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["James D. White resigns as Lead Independent Director effective June 30, 2024; no disagreement cited.","Christa S. Quarles appointed to succeed White as Lead Independent Director effective July 1, 2024.","Brian D. Hughes appointed to Board as Class III director effective July 1, 2024; term expires at 2026 annual meeting.","Hughes joins Audit and Compensation Committees; receives $500k RSU (3-yr vest), $200k annual RSU, $45k cash retainer.","Hughes most recently served as Discover Financial Services Chief Risk Officer (2016-2021) and HSBC Card CEO."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":230263,"accession_number":"0001820953-24-000018","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2024-06-11T23:59:59+00:00","items":["7.01"],"status":"ready","headline":"Affirm partners with Apple for Apple Pay installment payments; no material FY2025 impact","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Apple will offer Affirm's pay-over-time option to Apple Pay users in the US later this year.","Partnership enables online/in-app checkout via iPhone and iPad; Affirm expects no material revenue or GMV impact in FY2025.","Risks include maintaining merchant relationships and competitive dynamics in BNPL space."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":230262,"accession_number":"0001820953-24-000012","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2024-05-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Affirm reports Q3 FY2024 earnings; cites GMV growth and stable credit, no numeric details","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Q3 FY2024: fourth consecutive quarter of accelerating GMV growth; credit performance stable and yield exceeded expectations.","Embedded Purchasing Power feature launched for enterprise partners, driving meaningful GMV growth.","AI assistant tested in customer support; over 60% of users did not require further human assistance.","Funding capacity increased slightly quarter-over-quarter; no material expense increase expected from AI model training.","No specific revenue, EPS, or GMV figures disclosed in the provided excerpt; full financial data not available."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.53,"consensus_revenue_estimate":null,"consensus_revenue_actual":1663814000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":248686,"accession_number":"0001820953-24-000005","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2024-02-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Affirm Q2 FY2024: GMV +32% to $7.5B, revenue +48%, adjusted operating income turns positive","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue grew 48% YoY to $591M; RLTC rose 68% to $242M (3.2% of GMV).","Adjusted operating income of $93M versus a ($62M) loss in FQ2'23.","GMV of $7.5B, third consecutive quarter of accelerating growth, up 32% YoY.","Affirm Card active consumers exceeded 700K, generating ~$400M GMV; used at >1M merchant locations.","30+ day delinquencies were flat QoQ and YoY; funding capacity increased by $5B over past year."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.11,"consensus_revenue_estimate":null,"consensus_revenue_actual":1087657000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":266172,"accession_number":"0001820953-23-000029","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2023-12-08T23:59:59+00:00","items":["5.07","8.01"],"status":"ready","headline":"Affirm authorizes up to $800M repurchase of its 0% convertible notes due 2026","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Board authorized repurchase of up to $800M of 0% Convertible Senior Notes due 2026.","Repurchases may occur from Jan 1, 2024 to Dec 31, 2024 via open market or private deals.","New authorization replaces an $800M authorization that expires Dec 31, 2023.","If full $800M repurchased, ~$626M aggregate principal would remain outstanding.","Repurchases are subject to liquidity and market conditions; no minimum commitment."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":266171,"accession_number":"0001820953-23-000023","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2023-11-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Affirm reports Q1 FY2024 results; detailed numbers not available in text extract","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Filed shareholder letter for first fiscal quarter ended September 30, 2023.","Letter includes GAAP and non-GAAP financial measures with reconciliations.","Full financial results and key metrics not provided in the appended text.","Investor should refer to the complete letter for specific figures."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.57,"consensus_revenue_estimate":null,"consensus_revenue_actual":496547000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":266170,"accession_number":"0001628280-23-034811","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2023-10-20T23:59:59+00:00","items":["5.02","5.03","9.01"],"status":"ready","headline":"Director resignation, appointment of Manolo Sanchez, and bylaw amendment on majority voting","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Director Jenny Ming resigned effective Oct 31, 2023; no disagreement with company operations, policies or practices.","Manolo Sánchez appointed Class II director eff. Nov 1, 2023; named to Audit and Nominating & Governance committees.","Sánchez receives $500K RSU (3-yr vest), $200K annual RSU, and $45K annual cash retainer, prorated.","Bylaw amendment: majority vote standard in uncontested director elections; resignation policy for failed votes.","Sánchez was president/CEO of Compass Bank (BBVA US) 2008-2017; brings banking and risk management expertise."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":283411,"accession_number":"0001820953-23-000015","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2023-08-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Affirm Q4 FY2023 GMV $5.5B (+25% YoY), achieves adjusted operating income profitability","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GMV $5.5B (+25% YoY); Total Revenue $446M (+22% YoY), 8.1% of GMV.","Revenue Less Transaction Costs (RLTC) $182M (-1% YoY), 3.3% of GMV.","Credit improved: 30+ day delinquency rate (ex-Peloton, Pay in 4) down 30bp vs FQ3'23 and FQ4'22.","Frequency 3.9 transactions/active consumer, +30% YoY.","Exceeded outlook on all key metrics; exited FY2023 profitable on adjusted operating income basis."],"consensus_eps_estimate":null,"consensus_eps_actual":-3.34,"consensus_revenue_estimate":null,"consensus_revenue_actual":1587985000.0,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":302872,"accession_number":"0001820953-23-000014","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2023-06-08T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Affirm board authorizes up to $800M repurchase of its 2026 convertible notes","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Board authorized up to $800M aggregate principal amount of 0% Convertible Senior Notes due 2026.","Repurchases allowed through Dec 31, 2023 in privately negotiated transactions.","After full $800M repurchase, approximately $626M of notes would remain outstanding, terms unchanged.","Repurchases subject to liquidity, market conditions; no minimum obligation."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":302871,"accession_number":"0001820953-23-000011","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2023-05-09T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Affirm beats Q3 FY23 guidance: GMV $4.6B, revenue $381M, RLTC $167M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GMV of $4.6B exceeded outlook of $4.4-4.5B.","Revenue $381M above guidance range of $360-380M.","Revenue Less Transaction Costs $167M vs $140-150M outlook.","Credit improved; delinquencies ex-Peloton & Pay in 4 fell to 2.5% sequentially.","Travel/ticketing up 62% YoY; active consumers 16.0M (+26% YoY)."],"consensus_eps_estimate":null,"consensus_eps_actual":-2.65,"consensus_revenue_estimate":null,"consensus_revenue_actual":1142160000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":322502,"accession_number":"0001820953-23-000008","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2023-03-07T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Affirm repurchases additional $70M principal of 2026 convertible notes for $48M cash","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Repurchased $70M aggregate principal of 0% Convertible Senior Notes due 2026 for ~$48M cash, expected close March 8, 2023.","Total repurchases since Feb 14, 2023 reach $299M principal; $1.43B of 2026 Notes remain outstanding with terms unchanged.","Company receives no cash proceeds; repurchased notes will be cancelled.","Transaction is privately negotiated with a holder that participated in prior repurchase."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":322501,"accession_number":"0001820953-23-000005","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2023-02-15T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Affirm repurchases $229M of 0% convertible notes due 2026 for $158M cash","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Repurchases $229M aggregate principal of 0% Convertible Senior Notes due 2026 for ~$158M in cash.","Transactions expected to close on or about February 21, 2023.","After closing, ~$1.5B in principal amount of 2026 Notes will remain outstanding with unchanged terms.","No cash proceeds to Affirm; repurchased notes will be cancelled."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":322500,"accession_number":"0001820953-23-000001","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2023-02-08T23:59:59+00:00","items":["2.02","2.05","9.01"],"status":"ready","headline":"Affirm reports FQ2'23 GMV $5.7B (+27% YoY) and announces 19% workforce reduction","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GMV record $5.7B (+27% YoY); revenue $400M (+11% YoY); RLTC $144M (-21% YoY) below outlook.","Restructuring: ~500 employees (19% of workforce) cut; expected total costs $35-39M, mostly in FQ3'23.","Delinquencies improved sequentially; funding capacity reached $11.3B in January after $500M ABS and $300M new warehouse.","Pricing optimization lagged; management expects tailwinds to RLTC and GMV from pricing initiatives.","Adjusted operating income better than expected; headcount to remain essentially flat going forward."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.96,"consensus_revenue_estimate":null,"consensus_revenue_actual":761182000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":340535,"accession_number":"0001820953-22-000042","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2022-12-09T23:59:59+00:00","items":["5.02","5.07"],"status":"ready","headline":"Affirm appoints Libor Michalek as President effective December 9, 2022","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Michalek previously served as President of Technology, Risk and Operations and has been on the board since May 2021.","His compensation remains unchanged from the amounts disclosed in the October 2022 proxy statement.","At the 2022 annual meeting, stockholders elected directors Jenny Ming, Christa Quarles, and Keith Rabois.","Stockholders ratified Deloitte & Touche as the independent accounting firm for fiscal year 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":340534,"accession_number":"0001820953-22-000038","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2022-11-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Affirm Q1 FY2023 GMV $4.4B (+62% YoY); Active Consumers 14.7M (+69%)","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GMV of $4.4B, up 62% YoY; Total Revenues up 34% YoY.","Active Consumers 14.7M (+69%), Active Merchants 245K (+140%), Total Transactions 13.3M (+97%).","RLTC as % of GMV at 4.2%; delinquency rates at or below pre-pandemic levels.","No late fees, hidden charges, or deferred interest; zero interest on many plans.","Company continues march towards Adjusted Operating Income profitability."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.86,"consensus_revenue_estimate":null,"consensus_revenue_actual":361624000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":357807,"accession_number":"0001628280-22-025352","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2022-09-22T23:59:59+00:00","items":["5.03","9.01"],"status":"ready","headline":"Affirm amends bylaws to align with DGCL, update proxy nomination and forum rules","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Amended Bylaws adopt electronic delivery of stockholder meeting notices and communications per DGCL.","Limits stockholder director nominees to number of directors to be elected at annual meeting.","Aligns stockholder nomination provisions with SEC universal proxy rules; requires detailed nominee info.","Expands exclusive forum to require Exchange Act claims to be brought in federal court in Delaware."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":357806,"accession_number":"0001628280-22-023692","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2022-08-25T23:59:59+00:00","items":["2.02","5.02","9.01"],"status":"ready","headline":"Affirm Q4 GMV +77% to $4.4B, revenue +39% to $364.1M, net loss $186.4M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 GMV $4.4B (+77% YoY); revenue $364.1M (+39%); net loss $186.4M vs $123.4M.","Active consumers 14.0M (+96% YoY); transactions 12.0M (+139%); repeat consumers 85%.","Provision for credit losses $72.7M vs $25.5M; adjusted operating loss $29.3M vs income $14.2M.","Fiscal 2022 revenue $1.3B (+55%); GMV $15.5B (+87%).","Appointed Noel Watson (CFO of LegalZoom) to board effective Sept 1, 2022; receives $500k RSU grant, annual $200k RSU, $45k cash retainer."],"consensus_eps_estimate":null,"consensus_eps_actual":-2.51,"consensus_revenue_estimate":null,"consensus_revenue_actual":1349292000.0,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":376433,"accession_number":"0001820953-22-000035","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2022-06-06T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Affirm CCO Silvija Martincevic resigns; consulting role through Dec 2022","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Silvija Martincevic resigns as Chief Commercial Officer, effective June 30, 2022.","Will serve as consultant from July 1 to December 31, 2022, for $237,500 (half of $475,000 salary).","Receives additional $237,500 severance amount and accelerated vesting of 101,382 stock options and 12,151 RSUs.","Company will pay COBRA premiums for up to 12 months if elected.","Resignation and transition agreement includes standard release of claims."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":376432,"accession_number":"0001820953-22-000028","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2022-05-12T23:59:59+00:00","items":["1.01","2.02","9.01"],"status":"ready","headline":"Affirm Q3 GMV up 73% to $3.9B; 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proceeds intended for general corporate purposes.","Legal opinion from Gibson, Dunn & Crutcher attached regarding legality of securities issuance.","This is a routine shelf takedown filing; no immediate dilution or debt details provided."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":394776,"accession_number":"0001820953-22-000002","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2022-02-10T23:59:59+00:00","items":["1.01","2.02","2.03","9.01"],"status":"ready","headline":"Affirm Q2 revenue up 77% to $361M, GMV $4.5B (+115%); 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Reses as Class I directors with 941M and 907M votes for, respectively.","Ratified Deloitte & Touche as independent auditor for FY2022 (966.8M for, 107.7K against).","Advisory say-on-pay frequency set to one year (941.1M votes for one year); next required vote in 2027.","Quorum of 71.05% of combined voting power present; broker non-votes of 25.3M on director elections."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":413445,"accession_number":"0001104659-21-142914","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2021-11-23T23:59:59+00:00","items":["1.01","2.03","3.02","9.01"],"status":"ready","headline":"Affirm raises $1.725B via 0% convertible senior notes due 2026","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Sold $1.725B aggregate principal of 0% Convertible Notes due 2026, including $225M over-allotment.","Notes bear no regular interest; 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option for additional $225M.","Conversion price ~$215.65/share, 55% premium to last sale on Nov 18.","Net proceeds ~$1.48B ($1.70B with option) for growth and general corporate purposes.","Notes mature Nov 15, 2026; no regular interest; senior unsecured."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":24466016799.853497,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":413443,"accession_number":"0001104659-21-140874","cik":1820953,"company_name":"Affirm Holdings, Inc.","ticker":"AFRM","form_type":"8-K","filed_at":"2021-11-18T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Affirm announces $1.25B convertible senior notes offering due 2026","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Affirm proposes $1.25B of Convertible Senior Notes due 2026; 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