---
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"
generated_at: "2026-06-23T21:27:00.867688+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Affirm Q4 GMV +77% to $4.4B, revenue +39% to $364.1M, net loss $186.4M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 5.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-22-023692
- JSON: https://secwatch.observer/filing/0001628280-22-023692.json
- Plain text: https://secwatch.observer/filing/0001628280-22-023692.txt

## Key facts
- Executive change
  Noel Watson was appointed as Director at Affirm Holdings, Inc..
  - Action: appointed
  - Role: Director
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1820953/000162828022023692/0001628280-22-023692-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.