Affirm's on-balance-sheet loan portfolio has grown to $8.6 billion, increasing its direct exposure to consumer defaults. This growing risk, coupled with a maximum loss exposure of $65.6 million on off-balance sheet arrangements, creates pressure to enhance underwriting models and collections processes to protect margins.
Filing excerpt
As of March 31, 2026 and June 30, 2025, we were exposed to credit risk on $8.6 billion and $7.0 billion, respectively, of loans held within our interim condensed consolidated balance sheet.
What this signalsFilings often name leadership changes, deals and spending plans.
Regions named
sec-10qmarginPressureGet every 10-Q signal for Affirm and the companies you sell to, in the tools you already use.
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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/d931e397-6615-46f1-bd9d-f2295701153c returns this record as JSON. POST /v1/companies/enrich returns every signal for affirm.com.
{
"signal_id": "d931e397-6615-46f1-bd9d-f2295701153c",
"signal_type": "sec-10q",
"signal_subtype": "marginPressure",
"detected_at": "2026-05-12T09:24:56.633+00:00",
"company": {
"name": "Affirm",
"domain": "affirm.com"
},
"data": {
"detail": "Affirm's on-balance-sheet loan portfolio has grown to $8.6 billion, increasing its direct exposure to consumer defaults. This growing risk, coupled with a maximum loss exposure of $65.6 million on off-balance sheet arrangements, creates pressure to enhance underwriting models and collections processes to protect margins.",
"metrics": {
"timeframe": "current_quarter",
"dollar_context": "Credit risk exposure on loans held for investment as of March 31, 2026",
"dollar_millions": 8600
},
"summary": "Credit risk exposure on held loans grows to $8.6B, with $65.6M maximum loss exposure on sold loans",
"excerpts": "As of March 31, 2026 and June 30, 2025, we were exposed to credit risk on $8.6 billion and $7.0 billion, respectively, of loans held within our interim condensed consolidated balance sheet.",
"relevance": 0.8,
"sentiment": "negative",
"confidence": "high",
"source_url": "https://www.sec.gov/Archives/edgar/data/1820953/000162828026032294/afrm-20260331.htm",
"filing_date": "2026-05-07",
"filing_year": 2026,
"fiscal_year": 0,
"fiscal_year_end": "03/31",
"sales_relevance": "Efficiency tools needed",
"signal_category": "financial",
"regions_mentioned": [
"California",
"Texas"
]
}
}
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-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.
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