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Sankey diagram of Affirm Holdings, Inc.. A complete text table follows the diagram.
One purchase can create merchant or card fees, balance-sheet interest, a gain when the loan is sold and recurring servicing income
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Every leaf is an exact reported revenue source. Checkout monetization is the reported sum of merchant and card network revenue; capital recycling is the reported sum of loan-sale gains and servicing income. These parent groupings are editorial arithmetic, not additional GAAP line items.
Labels and narrative explain the filing. A category marked “arithmetic bridge” or “residual” is calculated from reported totals, rather than a separately reported line.
| Category | Stage | Value | Notes |
|---|---|---|---|
| Affirm revenue | 1 | $1.0B | Five ways to monetize a purchase |
| Monetize checkout | 2 | $334M | 32% of revenue |
| Hold loans | 2 | $532M | Earn interest and discount accretion |
| Recycle capital | 2 | $172M | Sell loans, retain servicing |
| Merchant network fees | 3 | $268M | Fees tied primarily to GMV |
| Card interchange share | 3 | $66.5M | Affirm Card and virtual cards |
| Consumer interest | 3 | $532M | Including loan-discount accretion |
| Gain on loan sales | 3 | $127M | $5.0B of loans sold in the quarter |
| Servicing income | 3 | $44.6M | Economics continue after sale |
| From | To | Value |
|---|---|---|
| Affirm revenue | Monetize checkout | $334M |
| Affirm revenue | Hold loans | $532M |
| Affirm revenue | Recycle capital | $172M |
| Monetize checkout | Merchant network fees | $268M |
| Monetize checkout | Card interchange share | $66.5M |
| Hold loans | Consumer interest | $532M |
| Recycle capital | Gain on loan sales | $127M |
| Recycle capital | Servicing income | $44.6M |