MELANY's data-driven read on Affirm Holdings, Inc. Class A · Personal Credit Institutions.
Affirm, founded in 2012, is a major player in the buy now, pay later market, with around $36 billion in transaction volume in fiscal 2025. It offers both merchant-subsidized zero-interest financing and interest-bearing loans approved per transaction; the interest-bearing loans account for over 70% of transaction volume and most of its revenue.
Entry zone, stop-loss, price targets, and live alerts unlock when you sign up. No card required.