Affirm Holdings: 2025 Financials and Risk Factors

This comprehensive document is an Annual Report on Form 10-K for Affirm Holdings, Inc., an organization focused on reinventing payments and commerce through transparent solutions. The report details the company's financial performance and operational strategies, including its buy-now-pay-later options and the Affirm Card. It extensively outlines competitive advantages, such as network effects and a "people come first" philosophy, alongside significant risk factors like attracting partners, competition, funding reliance, and regulatory challenges. Furthermore, it addresses corporate governance, including executive compensation and director liability, and presents financial statements with critical accounting policies and estimates.

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