"It's a debit card that lets users decide whether to pay upfront or make payments over time, all managed through the Affirm app. In the recent earnings, Affirm card GMV more than doubled, up 132% to $1.2 billion. Active cardholders nearly doubled, reaching 2.3 million, and in-store spend increased by 187%. These are beyond just signs of adoption; more like Affirm turning its card into a core payments habit."
"In the recent earnings, Affirm card GMV more than doubled, up 132% to $1.2 billion. Active cardholders nearly doubled, reaching 2.3 million, and in-store spend increased by 187%. These are beyond just signs of adoption; more like Affirm turning its card into a core payments habit. With early AdaptAI deployments driving an average 5% increase in GMV for adopting merchants, you get a picture of the fintech doing more than selling installments. Affirm is moving into an infrastructure that merchants, especially SMBs, can build on."
Affirm reported Q4 2025 results with $876 million in revenue, up 33% year-over-year, net income of $69 million, and GMV rising about 43% to $10.4 billion. BNPL at checkout remains the primary growth engine while the Affirm Card has become a distinct second engine. The Affirm Card is a debit card that allows users to pay upfront or make installment payments via the app. Card GMV grew 132% to $1.2 billion, active cardholders reached 2.3 million, and in-store spend rose 187%. Early AdaptAI deployments produced roughly a 5% GMV lift for merchants, positioning Affirm as a payments infrastructure partner for merchants, particularly SMBs.
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