Who audits AFRM? — Deloitte & Touche LLP
Affirm Holdings, Inc. is audited by Deloitte & Touche LLP, serving as auditor since 2020 (PCAOB ID No. 34). Most recent audit opinion is clean (unqualified), dated 2025-07-01.
Opinion — Cited Language
“In our opinion, the financial statements present fairly, in all material respects, the financial position of the Company as of June 30, 2025 and 2024, and the results of its operations and its cash flows for each of the three years in the period ended June 30, 2025, in conformity with accounting …”
Source Filing
What AFRM's Auditor Relationship Tells You
The independent auditor signs off on a public company's financial statements every year — issuing an opinion on whether those statements present fairly the company's financial position. Auditor identity, tenure, and opinion type are structural risk signals that institutional investors evaluate before relying on any reported numbers. For Affirm Holdings, Inc., the current auditor is Deloitte & Touche LLP — a relationship that has run since 2020.
Auditor tenure is one of the most-watched signals. Very short tenure (under 3 years) can signal a recent change — sometimes routine, sometimes prompted by audit disagreements or fee disputes. Very long tenure (over 20 years) can raise independence concerns under SEC rotation guidance, though there is no mandatory rotation rule in the United States. Deloitte & Touche LLP has served Affirm Holdings, Inc. for 6 years.
Opinion type is the binary signal. A clean unqualified opinion is what investors expect; any deviation — explanatory paragraph, going-concern doubt, qualified opinion — is a material disclosure that should be read carefully. Affirm Holdings, Inc.'s most recent audit opinion is classified as Clean (Unqualified). Standard unqualified opinion — auditor concurs with management presentation.
For broader context on AFRM's risk profile, see the AFRM Overview, the Going Concern page, or the Dilution page.