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Affirm is a buy now, pay later (BNPL) and payments network that lets shoppers split purchases into transparent installment plans at checkout (including 0% APR offers where available). Instead of charging late fees, Affirm emphasizes upfront disclosure of what a customer will pay and works with merchants to increase conversion and repeat purchases.
If you’re searching for “Affirm user count,” the most useful public metrics are active consumers and active merchants (plus GMV and revenue), since Affirm is a payments platform used across thousands of retailer checkouts.
Answer (quick snapshot)
Affirm reported 23.5 million active consumers and 478,000 active merchants as of December 31, 2025. In its most recent fiscal year (ended June 30, 2025), Affirm reported $3.224B total revenue (net) and $52.2M net income.
Affirm key metrics
| Metric | Figure | Year / Date | Source |
|---|---|---|---|
| Active consumers | 23.5 million | As of Dec 31, 2025 (FY2026 Q2) | Affirm shareholder letter |
| Active merchants | 478,000 | As of Dec 31, 2025 (FY2026 Q2) | Affirm shareholder letter |
| Gross Merchandise Value (GMV) | $13.8B (quarter) | FY2026 Q2 (ended Dec 31, 2025) | Nasdaq.com summary (from Affirm results) |
| Revenue | $1.12B (quarter) | FY2026 Q2 (ended Dec 31, 2025) | Affirm earnings supplement |
| Total revenue, net | $3.224B | Fiscal year ended Jun 30, 2025 | SEC (Form 10-K) |
| Net income (loss) | $52.2M net income | Fiscal year ended Jun 30, 2025 | SEC (Form 10-K) |
| Employees | 2,206 | As of Jun 30, 2025 | SEC (Form 10-K) |
Affirm revenue and net income history
The table below keeps older, widely cited figures but labels them clearly by fiscal year. (Affirm’s fiscal year ends June 30.)
| Fiscal year | Total revenue (net) | Net income (loss) | Source |
|---|---|---|---|
| 2025 | $3.224B | $52.2M | SEC 10-K |
| 2024 | $2.323B | ($517.8M) | SEC 10-K |
| 2023 | $1.588B | ($985.3M) | SEC 10-K |
| 2020 | $509.5M | (historical IPO filing) | SEC S-1/A |
| 2019 | $264.4M | (historical IPO filing) | SEC S-1/A |
What is Affirm?
Affirm partners with merchants (and increasingly, wallets and platforms) to offer installment plans at checkout. Consumers typically see multiple payment options, choose a term, and repay in fixed amounts. For merchants, Affirm positions its product as a conversion and average-order-value tool as well as a way to acquire new customers through its network.
FAQ
How many customers does Affirm have?
Affirm reports platform scale using active consumers. As of December 31, 2025, Affirm reported 23.5 million active consumers.
How many merchants use Affirm?
As of December 31, 2025, Affirm reported 478,000 active merchants.
How much revenue does Affirm make?
Affirm reported $3.224B in total revenue (net) for the fiscal year ended June 30, 2025. Revenue can fluctuate with consumer spending, merchant mix, and funding economics.
Is Affirm profitable?
Affirm reported $52.2M net income for fiscal year 2025 after reporting a net loss in fiscal 2024 (per its annual report filings).
How big is Affirm’s GMV?
GMV is often cited to show how much purchase volume flows through Affirm. For fiscal 2026 Q2 (ended Dec 31, 2025), reporting summarized GMV as $13.8B for the quarter.
Sources
