Comparing the current results to its competitors, Affirm Holdings Inc reported Revenue increase in the 4 quarter 2026 by 33.04 % year on year. The revenue growth was below Affirm Holdings Inc 's competitors' average revenue growth of 35.17 %, achieved in the same quarter.
Affirm Holdings Inc Net Income in the 4 quarter 2026 grew year on year by 2234.66%, faster than the Affirm Holdings Inc 's competitors average income growth of 144.13 %
Affirm Holdings Inc 's Comment on Competition and Industry Peers
Affirm competes primarily with legacy payment methods such as credit and debit cards issued by banks including Synchrony, J.P. Morgan Chase, Citibank, Bank of America, Capital One, Bread Financial, and American Express. It also faces competition from mobile wallets and pay-over-time solutions offered by companies such as PayPal, Block, and Klarna. The competitive landscape includes new pay-over-time offerings from legacy financial and payments companies, as well as proprietary pay-over-time options provided by some merchants. Many competitors, including Afterpay, American Express, Apple, Bank of America, Block, Bread Financial, Capital One, Citibank, Goldman Sachs, J.P. Morgan Chase, Klarna, MasterCard, PayPal, Square, Synchrony, and Visa, are substantially larger and benefit from diversified product offerings, larger consumer and merchant bases, operational efficiencies, and greater brand recognition.
March 25, 2025
In a noteworthy development within the financial technology sector, Affirm Holdings Inc. (NASDAQ: AFRM) has announced an expansion of its multi-year partnership with J.P. Morgan Payments, a collaboration aimed at delivering enhanced payment solutions for merchants across the United States. As the landscape of consumer finance continues to evolve, this partnership promises to introduce greater flexibility and transparency in payment options, thereby empowering both consumers and merchants.Under the terms of this enhanced agreement, Affirm s innovative payment solutions will now be integrated into J.P. Morgan Payments comprehensive Commerce Platform. This integration will allow U.S. merchants to seamlessly of...
January 25, 2025
In a significant development for the financial technology landscape, Affirm Holdings Inc. (NASDAQ: AFRM) has expanded its capital partnership with Liberty Mutual Investments (LMI). The two companies announced the enhancement of a forward flow loan purchase program, which is set to run through June 2027 and allows LMI to buy Affirm’s installment loans totaling up to $750 million. This strategic collaboration underscores Affirm’s commitment to enhancing its financing capabilities and underscores the confidence that established financial institutions like Liberty Mutual have in the fintech s business model.Affirm, a prominent player in the digital payments space, empowers consumers with flexible payment sol...
December 18, 2024
In a significant move that underscores investor confidence, Affirm Holdings, Inc. has successfully priced an upsized private offering of $800 million in convertible senior notes, due in 2029. This marks a strategic pivot for the San Francisco-based financial technology company, which is known for its innovative buy-now-pay-later services. The offering was increased from an earlier target of $750 million, highlighting robust demand among financial backers, and reflects Affirm s intent to leverage capital markets amid a shifting economic landscape.The 0.75% interest rate on these convertible senior notes positions Affirm favorably, especially in a climate where tech firms often face the brunt of rising interes...
December 3, 2024
Empowering Growth: Affirm and PGIM Fixed Income Forge a New Chapter with $500 Million Loan Acquisition In a strategic move that underscores the dynamism of fintech and traditional finance collaboration, Affirm Holdings, Inc. (NASDAQ: AFRM) and PGIM Fixed Income, a major arm of Prudential Financial (NYSE: PRU), have announced the completion of a private purchase involving $500 million in loans. This transaction marks a significant milestone in the partnership between the rapidly evolving payment network and one of the world’s largest fixed income managers.The deal, concluded in the technology hub of San Francisco, reflects the strategic emphasis both companies place on leveraging cutting-edge financial tool...
November 4, 2024
In a landmark announcement, Affirm (NASDAQ: AFRM), a leading payment network, has officially launched its innovative pay-over-time options in the United Kingdom. This move marks a significant step in Affirm s ongoing mission to empower consumers while helping merchants drive growth. Since its inception in 2012, Affirm has been dedicated to creating honest financial products that enhance consumers lives by providing alternative financing solutions. A New Era of Financial FlexibilityThe launch of Affirm s pay-over-time options in the UK represents a shift in how consumers approach financing. With the rising popularity of e-commerce and the evolving landscape of consumer spending, there is an increasing deman...
July 11, 2024
RONA Partners with Affirm to Offer Canadians a More Flexible Way to Pay for Home Improvement Supplies OnlineBOUCHERVILLE, Québec and TORONTO - In a significant move to provide enhanced flexibility for Canadian consumers, Affirm (NASDAQ: AFRM), the leading payment network driving growth for merchants and empowering shoppers, has formed a strategic partnership with RONA Inc., one of Canada s foremost home improvement retailers operating a vast network of 425 corporate and affiliated stores across the country. This collaboration enables eligible customers to utilize Affirm s convenient payment option when purchasing their much-needed home improvement supplies through RONA s online platform.With the integration...
June 12, 2024
Brittain Resorts and Hotels Teams Up with Affirm to Provide Flexibility in Booking Accommodations, and Other Expanding Partnerships Signal a New Era of Payment OptionsIn a digital age where convenience and flexibility have become paramount, the partnership between full-service hospitality management company, Brittain Resorts and Hotels, and payment network giant, Affirm, is set to revolutionize the way hotel guests book accommodations. With Affirm now being selected as the exclusive pay-over-time partner for Brittain Resorts and Hotels, approved guests can enjoy a more flexible payment option when planning their stays at over 15 hotels and resorts.With the rising popularity of alternative payment solutions, ...
January 9, 2024
Affirm, a prominent payment network empowering consumers and merchants, has recently formed exclusive partnerships with Evolve, Liberty Travel, and Blackhawk Network. These collaborations aim to enhance customer experience and expand Affirm s reach across various sectors. This article will outline the facts and assess the potential impact these partnerships could have on Affirm s growth and market position.I. Evolve Selects Affirm as Its Pay-Over-Time Partner:- Affirm partners with Evolve, a leading vacation rental hospitality company.- Eligible travelers can now book vacation rentals and make monthly payments using Affirm.- The partnership covers over 30,000 properties in 750 markets.- Approved Evolve custo...
American Express Company operates as a global financial services corporation, primarily focused on offering charge and credit card products to individuals, businesses, and merchants. Its business model generates revenue through annual card fees, transaction fees, merchant discount fees, and a range of travel and financial services, while also emphasizing customer loyalty and premium rewards.
Synchrony Financial operates as a consumer financial services company, offering credit products such as credit cards and installment loans. Their business model focuses on partnerships with retailers and service providers to enable customers to finance purchases and pay over time.
Sezzle Inc is a fintech company that operates on a uy now, pay later business model. They partner with online retailers to offer interest-free installment plans for customers at the point of sale. Customers can make purchases and pay for them in four installments, without the need for a credit check, making it easy and affordable to buy products.
PayPal Holdings Inc operates as a payments platform that enables individuals and businesses to send and receive money online. The company primarily generates revenue by charging transaction fees for facilitating these online payments. Alongside its core payment services, PayPal also offers additional products and solutions, such as digital wallets and payment processing services, to meet the evolving needs of its customers.
Sources:
Affirm Holdings Inc’s official press releases and regulatory filings; CSIMarket.com’s market research; and the financial filings and press releases of other companies cited in this report.
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