{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-22-023692","form_type":"8-K","ticker":"AFRM","cik":"0001820953","company_name":"Affirm Holdings, Inc.","filed_at":"2022-08-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:57.220775+00:00","generated_at":"2026-06-23T21:27:00.867688+00:00","sec_items":["2.02","5.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Affirm Q4 GMV +77% to $4.4B, revenue +39% to $364.1M, net loss $186.4M","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-22-023692","json":"https://secwatch.observer/filing/0001628280-22-023692.json","markdown":"https://secwatch.observer/filing/0001628280-22-023692.md","text":"https://secwatch.observer/filing/0001628280-22-023692.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1820953/000162828022023692/0001628280-22-023692-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1820953/000162828022023692/afrm-20220823.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T21:27:00.867688+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"7aa434ba4d","claim":"Noel Watson was appointed as Director at Affirm Holdings, Inc..","evidence_excerpt":"On August 23, 2022 , the Board of Directors (the “Board”) of the Company appointed Noel Watson to the Board as a Class I director, effective September 1, 2022","evidence_source":"SEC 8-K Item 5.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1820953/000162828022023692/0001628280-22-023692-index.htm","confidence":1.0,"family_label":"Executive change","details":[{"label":"Action","value":"appointed"},{"label":"Role","value":"Director"}],"fact_type":"executive_change"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}