Strong Revenue Growth:
Recent quarters show revenue and GMV rising at strong double‑digit rates, with management citing a long streak of elevated GMV growth and issuing guidance that implies continued expansion.
Profitability:
The latest quarter delivered positive GAAP net income and a higher operating margin year over year, supported by improving unit economics and lower average funding costs.
Product Line Growth:
Direct‑to‑consumer offerings are scaling quickly, led by rapid Affirm Card adoption and rising transactions per active consumer, broadening contribution beyond traditional checkout BNPL.
