Affirm

Quick read

Affirm, a publicly traded BNPL fintech, founded in 2012 and headquartered in San Francisco. It offers point-of-sale installment loans with no hidden fees, no compounding interest, and no late fees, shifting the cost of credit to merchants rather than consumers. With ~3,056 employees as of early 2026, it's increasingly positioning itself around agentic commerce — the idea that AI shopping agents will route purchases through transparent installment products over high-APR credit cards.

Key facts

Founded

2012

Founders

Max Levchin

Employees

3056

Sectors

fintech

Website

affirm.com

Mission

Build honest, transparent financial products that shift the cost of credit from consumers to merchants — offering fixed-payment installment loans with no hidden fees, no compounding interest, and no late fees.

Recent activity

• Jun 2026investment
  Affirm expanded its forward-flow agreement with New York Life, allowing the insurer to purchase Affirm installment loans on a forward-flow basis up to $750 million through December 2026, providing off-balance-sheet funding capacity. stocktitan.net
• Jun 2026investment
  Affirm and CPP Investments renewed and expanded their forward-flow agreement. CPP Investments committed US$1.7 billion to purchasing Affirm installment loans, with the option to scale to US$2.2 billion. The 24-month deal is expected to support up to US$8 billion in consumer loan volume. Since 2019, CPP Investments has purchased nearly US$14 billion in Affirm assets. businesswire.com
• Jun 2026product
  Affirm and Stripe expanded their buy-now-pay-later partnership to the UK market, adding Lloyds Bank as part of the arrangement. tracxn.com
• Jun 2026product
  Affirm partnered with Backcountry to offer flexible, transparent pay-over-time options to outdoor shoppers at checkout. tracxn.com
• May 2026press
  Affirm reported Q3 fiscal 2026 results (quarter ended March 31, 2026). EPS came in at $0.30, missing analyst estimates of $0.62. GMV over the trailing 12 months reached US$46 billion, and total funding capacity stood at US$28.2 billion. Next earnings are expected August 27, 2026. stocktitan.net
• Apr 2026press
  Affirm announced it will release Q3 fiscal 2026 financial results on May 7, 2026, after market close, followed by a conference call led by Max Levchin, Michael Linford, and Rob O'Hare. businesswire.com
• Mar 2026press
  President Libor Michalek and CFO Rob O'Hare attended the Morgan Stanley Technology, Media, and Telecom Conference in San Francisco. Michalek participated in a fireside chat on March 3. O'Hare then presented at the Wolfe FinTech Forum in New York on March 11. finance.yahoo.com
• Feb 2026press
  Affirm published its Q2 fiscal 2026 shareholder letter and financial results on February 5, 2026, after market close. businesswire.com
• Jun 2026investment
  Affirm and Canada Pension Plan Investment Board (CPP Investments) announced a renewed and expanded forward-flow agreement, extending their capital partnership. investors.affirm.com
• Jun 2026product
  Affirm and Stripe expanded their buy now, pay later partnership into the UK market, with Lloyds Bank also involved in the arrangement. tracxn.com
• May 2026investment
  One William Street Capital Management expanded its investment relationship with Affirm, adding to the roughly 200 funding partners and $13 billion forward-flow capacity already supporting the network. tracxn.com
• May 2026product
  Royal Caribbean partnered with Affirm to offer interest-free, no-late-fee instalment payments to UK and Canadian cruise customers ahead of the summer booking season. businesswire.com

Key people

Named individuals at the firm. We don't expose direct email or phone — use their LinkedIn for outreach.

• Max Levchin · Co-Founder & CEO
  Brief →LinkedIn
• Michael Linford · CFO & COO
• Libor Michalek · President, Technology, Risk & Operations
• Rob O'Hare · former CFO

Sources

• Affirm - 2026 Company Profile, Tracxn
• Affirm | LinkedIn
• Max Levchin - LinkedIn
• Affirm - Crunchbase
• Affirm scores funding partnership to fuel growth
• https://investors.affirm.com/news-events/newsroom
• https://investors.affirm.com/news-releases/news-release-details/affirm-host-investor-forum-may-12-2026
• https://investors.affirm.com/
• https://www.bankingdive.com/news/affirm-no-ai-layoffs-levchin-block-crypto-com-bolt-chime/820152/
• https://www.businesswire.com/news/home/20260416944657/en/Affirm-to-announce-third-quarter-fiscal-year-2026-results-on-May-7-2026
• https://investors.affirm.com/news-releases/news-release-details/affirm-announce-third-quarter-fiscal-year-2026-results-may-7
• https://simplify.jobs/c/Affirm
• https://www.stocktitan.net/news/AFRM/affirm-expands-long-term-capital-partnership-with-new-york-life-to-62vtjtt0au3n.html
• https://www.businesswire.com/news/home/20260604725818/en/Affirm-and-CPP-Investments-renew-and-expand-capital-partnership
• https://www.stocktitan.net/news/AFRM/
• https://finance.yahoo.com/news/affirm-participate-upcoming-investor-conferences-140000673.html
• https://www.businesswire.com/news/home/20260115519323/en/Affirm-to-announce-second-quarter-fiscal-year-2026-results-on-February-5-2026

Other companies in United States

• OpenAI · AI lab, San Francisco·
• Anthropic · AI safety lab, San Francisco·
• Stripe · Payments infrastructure, San Francisco·
• Microsoft · Big tech, Redmond·
• NVIDIA · AI hardware, Santa Clara·
• Databricks · Data + AI platform, San Francisco

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