Affirm's portfolio of loans held for investment increased from $7.0 billion to $8.8 billion in six months, significantly heightening its exposure to consumer defaults. This necessitates advanced credit underwriting models and portfolio monitoring tools to manage potential losses, especially in volatile economic conditions.
Filing excerpt
As of December 31, 2025 and June 30, 2025, we were exposed to credit risk on $8.8 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.
Vendors
Vendors named
sec-10qcashFlowConcernGet 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/cc85f387-d2bb-42a7-9729-efd4fa6f7fea returns this record as JSON. POST /v1/companies/enrich returns every signal for affirm.com.
{
"signal_id": "cc85f387-d2bb-42a7-9729-efd4fa6f7fea",
"signal_type": "sec-10q",
"signal_subtype": "cashFlowConcern",
"detected_at": "2026-02-10T08:23:30.729+00:00",
"company": {
"name": "Affirm",
"domain": "affirm.com"
},
"data": {
"detail": "Affirm's portfolio of loans held for investment increased from $7.0 billion to $8.8 billion in six months, significantly heightening its exposure to consumer defaults. This necessitates advanced credit underwriting models and portfolio monitoring tools to manage potential losses, especially in volatile economic conditions.",
"metrics": {
"pct": 0.257,
"timeframe": "current_quarter",
"pct_context": "Six-month growth in credit risk exposure from $7.0B to $8.8B",
"dollar_context": "Credit risk on loans held within the consolidated balance sheet as of December 31, 2025",
"dollar_millions": 8800
},
"summary": "On-balance-sheet credit risk exposure grew 25.7% to $8.8 billion in six months.",
"excerpts": "As of December 31, 2025 and June 30, 2025, we were exposed to credit risk on $8.8 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/1820953/000162828026005855/afrm-20251231.htm",
"filing_date": "2026-02-05",
"filing_year": 2026,
"fiscal_year": 0,
"fiscal_year_end": "12/31",
"sales_relevance": "Treasury/cash management needs",
"signal_category": "financial",
"vendors_mentioned": [
"Amazon.com Services LLC",
"Amazon Payments, Inc.",
"Lead Bank",
"Shopify"
]
}
}
curl https://signals.autobound.ai/v1/signals/cc85f387-d2bb-42a7-9729-efd4fa6f7fea \
-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.