Affirm Holdings, Inc. AFRM
AFRM operates as a financial technology company that provides a digital commerce platform enabling consumers to make purchases and pay over time. The company partners with merchants to offer point-of-sale installment loans and other financing options to consumers at checkout, primarily for retail purchases. It serves both consumers seeking flexible payment solutions and merchants looking to increase sales conversion and average order values. AFRM's business model revolves around generating revenue through merchant fees, interest income from consumer loans, gains from selling loans to institutional investors, and servicing income from managing loan portfolios.
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