Affirm's business model heavily depends on off-balance sheet arrangements, with a $9.7 billion aggregate balance of loans held by third-party investors and securitizations. This complex funding strategy involves unconsolidated VIEs and risk-sharing agreements, creating needs for specialized software for securitization management, compliance tracking, and counterparty risk analysis.
Filing excerpt
In the ordinary course of business, we engage in activities that are not reflected within our interim condensed consolidated balance sheets, generally referred to as off-balance sheet arrangements. These activities involve transactions with unconsolidated VIEs, including securitization and forward flow transactions.
What this signalsFilings often name leadership changes, deals and spending plans.
sec-10qplatformStrategyGet every 10-Q signal for Affirm and the companies you sell to, in the tools you already use.
Connect Autobound to Claude, Claude Code or Cursor with MCP. Then ask: “What changed at Affirm this week?”
The Signal API returns 10-Q signals for any list of companies as JSON, for your CRM, warehouse or app.
Sign up and spend your free credits on the companies you sell to.
This page shows a preview. The full sec-10q record in the Signal API and MCP can also have these 8 fields. Some fields are empty for some signals.
Company
linkedin_urlValue in the APIindustriesValue in the APIemployee_count_lowValue in the APIemployee_count_highValue in the APIrevenueValue in the APIdescriptionValue in the APISignal
signal_nameValue in the APIassociationValue in the APIGET /v1/signals/1783beb0-f935-4182-a43b-5dcddea4cdab returns this record as JSON. POST /v1/companies/enrich returns every signal for affirm.com.
{
"signal_id": "1783beb0-f935-4182-a43b-5dcddea4cdab",
"signal_type": "sec-10q",
"signal_subtype": "platformStrategy",
"detected_at": "2026-02-10T08:23:30.729+00:00",
"company": {
"name": "Affirm",
"domain": "affirm.com"
},
"data": {
"detail": "Affirm's business model heavily depends on off-balance sheet arrangements, with a $9.7 billion aggregate balance of loans held by third-party investors and securitizations. This complex funding strategy involves unconsolidated VIEs and risk-sharing agreements, creating needs for specialized software for securitization management, compliance tracking, and counterparty risk analysis.",
"metrics": {
"timeframe": "current_quarter",
"dollar_context": "Aggregate outstanding balance of loans held by third-party investors and off-balance sheet securitizations as of Dec 31, 2025",
"dollar_millions": 9700
},
"summary": "Affirm's funding strategy relies on $9.7B in off-balance sheet securitizations",
"excerpts": "In the ordinary course of business, we engage in activities that are not reflected within our interim condensed consolidated balance sheets, generally referred to as off-balance sheet arrangements. These activities involve transactions with unconsolidated VIEs, including securitization and forward flow transactions.",
"relevance": 0.75,
"sentiment": "neutral",
"confidence": "high",
"source_url": "https://www.sec.gov/Archives/edgar/data/1820953/000162828026005855/afrm-20251231.htm",
"filing_date": "2026-02-05",
"filing_year": 2026,
"fiscal_year": 0,
"fiscal_year_end": "12/31",
"sales_relevance": "Platform tools needed",
"signal_category": "strategic"
}
}
curl https://signals.autobound.ai/v1/signals/1783beb0-f935-4182-a43b-5dcddea4cdab \
-H "X-API-KEY: $AUTOBOUND_API_KEY"curl -X POST https://signals.autobound.ai/v1/companies/enrich \
-H "X-API-KEY: $AUTOBOUND_API_KEY" \
-H "Content-Type: application/json" \
-d '{"domain":"affirm.com","limit":20}'Long text fields are shortened on this page.
Looking up one signal by its id is free. Enrich costs 2 credits per signal returned; a call with no results is free.