Affirm Holdings, Inc. is a financial technology company headquartered in San Francisco, California, that operates a buy now pay later platform enabling consumers to pay for purchases in installments at point of sale through merchant integrations. The company originates loans through bank partners and retains a portion on its balance sheet, funding them through asset-backed securitization programs and warehouse credit facilities. As of December 31, 2025, Affirm held $8.77 billion in gross loans held for investment and reported total assets of $12.96 billion [Source: 10-Q, filed 2026-02-05, Condensed Consolidated Balance Sheets].

What is AFRM's DredgeCap risk score?

DredgeCap's AI analysis rates AFRM at 5.8/10 on the risk scale — Moderate risk. This score reflects dilution exposure, debt toxicity, liquidity position, and going-concern posture as disclosed in SEC filings.

Does AFRM have a going concern warning?

No current auditor going-concern warning is flagged in AFRM's SEC filings. Risk assessment is based on other filing-disclosed factors.

When did AFRM last file with the SEC?

AFRM's most recent SEC filing was a 10-Q filed 2026-02-05. All filings are available on SEC EDGAR.

AFRM Stock Risk Score: 5.8/10 (Moderate)

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All content on DredgeCap is AI-generated from publicly available SEC EDGAR filings and may contain errors, omissions, or misinterpretations. See our methodology for how risk scores are computed. This is not investment advice. Do not buy, sell, or hold any security based solely on information found here. Always verify with original SEC filings and consult a licensed financial advisor.