---
schema_version: "secwatch.filing_event.v1"
accession: "0001820953-22-000038"
form_type: "8-K"
ticker: "AFRM"
cik: "0001820953"
company_name: "Affirm Holdings, Inc."
filed_at: "2022-11-08T23:59:59+00:00"
generated_at: "2026-06-22T04:25:29.314001+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Affirm Q1 FY2023 GMV $4.4B (+62% YoY); Active Consumers 14.7M (+69%)

## Summary
- 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.

## SEC filing metadata
- accession: 0001820953-22-000038
- form_type: 8-K
- ticker: AFRM
- cik: 0001820953
- company_name: Affirm Holdings, Inc.
- filed_at: 2022-11-08T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1820953/000182095322000038/0001820953-22-000038-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1820953/000182095322000038/afrm-20221108.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001820953-22-000038
- JSON: https://secwatch.observer/filing/0001820953-22-000038.json
- Plain text: https://secwatch.observer/filing/0001820953-22-000038.txt

## Key facts
- Earnings Releases
  Affirm Holdings, Inc. reported financial results for the first fiscal quarter ended September 30, 2022.
  - Period: the first fiscal quarter ended September 30, 2022
  - Result: reported results
  source text: On November 8, 2022 , the Company issued a Shareholder Letter (the “Letter”) regarding its financial results for the first fiscal quarter ended September 30, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1820953/000182095322000038/0001820953-22-000038-index.htm

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