---
schema_version: "secwatch.filing_event.v1"
accession: "0001820953-24-000033"
form_type: "8-K"
ticker: "AFRM"
cik: "0001820953"
company_name: "Affirm Holdings, Inc."
filed_at: "2024-08-28T23:59:59+00:00"
generated_at: "2026-05-31T07:14:09.667503+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Affirm reports FQ4'24 revenue $659M (+48% YoY), RLTC $309M (+70%), and sets GAAP profitability goal

## Summary
- 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.

## SEC filing metadata
- accession: 0001820953-24-000033
- form_type: 8-K
- ticker: AFRM
- cik: 0001820953
- company_name: Affirm Holdings, Inc.
- filed_at: 2024-08-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1820953/000182095324000033/0001820953-24-000033-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1820953/000182095324000033/afrm-20240828.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001820953-24-000033
- JSON: https://secwatch.observer/filing/0001820953-24-000033.json
- Plain text: https://secwatch.observer/filing/0001820953-24-000033.txt

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