Affirm CEO Says They Own Half of US Pay Later Revenue

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customers, merchants and transactions per user all come as it gears up for a strong holiday shopping season." /> <link rel="canonical" href="https://www.pymnts.com/buy-now-pay-later/2024/affirm-ceo-says-they-own-half-of-us-pay-later-revenue/" /> <meta property="og:locale" content="en_US" /> <meta property="og:type" content="article" /> <meta property="og:title" content="Affirm CEO Says They Own Half of US Pay Later Revenue | PYMNTS.com" /> <meta property="og:description" content="Against a backdrop where it laid claim to a third of the volume and more than half of the revenue in the United States pay later space, Affirm reported" /> <meta property="og:url" content="https://www.pymnts.com/buy-now-pay-later/2024/affirm-ceo-says-they-own-half-of-us-pay-later-revenue/" /> <meta property="og:site_name" content="PYMNTS.com" /> <meta property="article:publisher" content="https://www.facebook.com/pymnts/" /> <meta property="article:author" content="https://www.facebook.com/pymnts" /> <meta 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class="post-info-right left relative article-author-box mb-2"> <div class="post-info-name"> <div class="row"> <div class="col-6 my-auto"> <span class="post-info-text small muted text-uppercase">By</span> <span class="author-name vcard fn small muted text-uppercase fw-bold" itemprop="author"> <a href="https://www.pymnts.com/author/pymnts/" title="Posts by PYMNTS" rel="author">PYMNTS</a> </span> <span class="small muted d-none d-md-inline"> | </span> <span class="small muted text-uppercase d-block d-md-inline">November 7, 2024</span> </div> <div class="col-6 text-end my-auto">  <a href="https://www.facebook.com/sharer.php?u=https://www.pymnts.com/buy-now-pay-later/2024/affirm-ceo-says-they-own-half-of-us-pay-later-revenue/&t=Affirm+CEO+Says+They+Own+Half+of+US+Pay+Later+Revenue" title="Share on Facebook"><i class="bi bi-facebook me-1 text-dark"></i></a><a href="https://twitter.com/share?text=Affirm+CEO+Says+They+Own+Half+of+US+Pay+Later+Revenue 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Check it out: https://www.pymnts.com/buy-now-pay-later/2024/affirm-ceo-says-they-own-half-of-us-pay-later-revenue/"><i class="bi bi-envelope-fill ms-1 me-0 ms-1 me-md-1 text-dark"></i></a> <span class="d-none d-md-inline"> | </span> <span class="d-block d-md-inline"> <button class="d-none d-lg-inline-block noHover audioPlay border-0 px-0 article-play-button fw-normal py-1 my-0" type="button" value="Play"> <i class="bi bi-play-circle-fill mx-1 text-dark"></i></button> <button class="d-lg-none noHover audioPlay border-0 px-0 article-play-button fw-normal py-1 my-0" type="button" value="Play"><span class="listenToArticle small text-uppercase"></span><i class="bi bi-play-circle-fill text-dark mx-1"></i></button> <button class="noHover audioPause border-0 px-0 article-pause-button py-1 my-0"><i class="bi bi-pause-circle-fill text-dark mx-0"></i></button> </span> </div></div> </div> </div> <div id="post-feat-img" class="left relative mb-3"> <img class="py-desktop w-100 h-auto pymnts-featured-sm-image " width="1000" height="600" alt="" src="https://www.pymnts.com/wp-content/uploads/2024/11/Affirm-earnings.jpg?w=768" /> </div> <div class="post-feat-text"> </div>  <div id="pymnts-content2289273" class="single lh-article mt-1 lnk-article"> <p><span data-preserver-spaces="true">Against a backdrop where it laid claim to a third of the volume and more than half of the revenue in the United States pay later space, <a href="https://www.affirm.com/" target="_blank" rel="noopener">Affirm</a> reported better-than-expected key performance indicators and projected strong holiday consumer spending during its fiscal first quarter conference call Thursday (Nov. 7) after the markets closed.</span></p> <p><span data-preserver-spaces="true">The company notched double-digit gains in active customers and merchant counts. Transactions per active consumer grew 25% year over year to 5.1. Company materials, including the </span><a class="editor-rtfLink" href="https://investors.affirm.com/system/files-encrypted/nasdaq_kms/assets/2024/11/07/15-50-51/AFRM%20-%20FQ1%2725%20Shareholder%20Letter.pdf" target="_blank" rel="noopener"><span data-preserver-spaces="true">latest shareholder letter penned by CEO Max Levchin,</span></a><span data-preserver-spaces="true"> showed that gross merchandise volume (GMV) grew 35% year over year to $7.6 billion, where management noted that the company “significantly outpaced” overall eCommerce.</span></p> <p><span data-preserver-spaces="true">By spending category, Affirm noted that the company saw double-digit growth across the board as measured by GMV, </span><span data-preserver-spaces="true">with the exception of</span><span data-preserver-spaces="true"> slight declines in sporting goods and outdoors. The general merchandise category grew 47%; the electronics, </span><span data-preserver-spaces="true">and</span><span data-preserver-spaces="true"> equipment </span><span data-preserver-spaces="true">and</span><span data-preserver-spaces="true"> auto categories all grew </span><span data-preserver-spaces="true">in excess of</span><span data-preserver-spaces="true"> 25% year over year.</span></p> <p><span data-preserver-spaces="true">Total revenues were 41% higher to $698 million and grew to 9.2% of GMV, where that percentage had been 8.8% a year ago. The company’s active consumer count was up 21% year over year to 19.5 million, and the active merchant count surged 21% to 323,000. </span></p> <p><span data-preserver-spaces="true">Shares declined about 3% in after-hours trading Thursday, </span><span data-preserver-spaces="true">having nearly doubled</span><span data-preserver-spaces="true"> since the summer months.</span></p> <h2>Affirm Card Shows Momentum</h2> <p><span data-preserver-spaces="true">Within its direct-to-consumer efforts, Affirm Card (a Visa debit card) generated $607 million in GMV, up 20% from the fiscal fourth quarter and up 171% year over year. The company has exceeded 1.4 million cardholders, up 19% quarter on quarter. Annualized GMV per user grew from $2,500 to over $3,000 and in-store usage grew from approximately 25% earlier in the fiscal year to the most recent quarter showing </span><span data-preserver-spaces="true">of</span><span data-preserver-spaces="true"> 45%.</span></p> <p><span data-preserver-spaces="true">During the call with analysts, when asked about the improvements in revenue as measured as a percentage of GMV, Levchin said that “the business continues to have </span><span data-preserver-spaces="true">really strong</span><span data-preserver-spaces="true"> unit economics,” as the company has been earning more in interest income and also from merchant fees. </span></p> <p><span data-preserver-spaces="true">Asked on the call about capital and funding activities — where the shareholder letter showed a boost in funding capacity to $16.8 billion in the most recent quarter, from $16.1 billion in the fourth quarter — Levchin observed that “the market for … whole loan purchasers is </span><span data-preserver-spaces="true">really strong</span><span data-preserver-spaces="true"> right now. The credit performance that we’ve delivered over the past year and a half,” and added that “the supply side of that capital with trends like the private credit have created an environment that’s very good for us. So we will continue to benefit from that.”</span></p> <h2>The UK’s Potential</h2> <p><span data-preserver-spaces="true">With a nod to the </span><a class="editor-rtfLink" href="https://www.pymnts.com/buy-now-pay-later/2024/affirm-begins-rollout-pay-over-time-options-united-kingdom/" target="_blank" rel="noopener"><span data-preserver-spaces="true">recent launch into the United Kingdom</span></a><span data-preserver-spaces="true">, Levchin said that the longer-term payment horizons — over three, six, 12 months and beyond — for larger ticket items “is not well served in the U.K.,” said Levchin “and people there need their prams and their couches and their TVs just as much as they do” anywhere else, “and right now the only competitors in that space are the banks.”</span></p> <p><span data-preserver-spaces="true">Affirm, he said, “has a huge competitive moat — underwriting is a very difficult thing to do. You have to have </span><span data-preserver-spaces="true">massive</span><span data-preserver-spaces="true"> infrastructure to mine the data that you get. It’s not enough to have and store the data. You </span><span data-preserver-spaces="true">actually</span><span data-preserver-spaces="true"> have to know what to do with it.” </span></p> <p><span data-preserver-spaces="true">Analysts asked about regulators’ increased scrutiny on sponsor banks and whether that might impact the aforementioned growth of Affirm Card. Levchin contended that “regulatory scrutiny increasing is a thing you experience if you’re small and unknown to the regulators. We’ve been big in getting much bigger quarter after quarter. We’re very familiar with all our regulators. We engage with them regularly. We have invested in compliance appropriately. … We’re not dependent on any one provider.”</span></p> <h2>Headed Into the Holidays</h2> <p><span data-preserver-spaces="true">Looking ahead, management observed that 0% promotions are seeing strong interest from merchants headed into the holiday months. </span></p> <p><span data-preserver-spaces="true">“We are in </span><span data-preserver-spaces="true">a process</span><span data-preserver-spaces="true"> of harmonizing our financial programs, which is the fancy term we use for various promos, across fixed APRs, reduced APRs,</span><span data-preserver-spaces="true"> 0</span><span data-preserver-spaces="true">% APRs. You will see consistency across multiple channels — card and digital wallets included,” said the CEO. </span></p> <p><span data-preserver-spaces="true">“We’re firing on all cylinders, and we’re getting ready for </span><span data-preserver-spaces="true">a really good</span><span data-preserver-spaces="true"> holiday season,” Levchin told analysts.</span></p> <p> </p> <div class="pymnt-8e6860eb7824936817558a7e3b6b521a pymnt-bottom-of-article" id="pymnt-8e6860eb7824936817558a7e3b6b521a"></div> <div id="bottom-ad"> <div data-pymnt-trackid="2298716" data-pymnt-trackbid="1" class="pymnt-target" id="pymnt-642202322"><a data-no-instant="1" href="https://www.pymnts.com/study_posts/ai-in-the-chat-generative-ais-growing-role-in-customer-service/" rel="noopener" class="adv-link" target="_blank" aria-label="PYMNTS AI MonitorEdge November 2024 Banner"><img src="https://www.pymnts.com/wp-content/uploads/2024/11/PYMNTS-AI-MonitorEdge-November-2024-Banner.gif" alt="" width="1204" height="240" /></a></div> </div> <div class="row row-cols-1 row-cols-lg-1 recommended-articles" style="clear:both;"> <div class="col mb-1"> <h4 class="header-border text-uppercase small mb-0"> <span class="border-layer border-secondary"> Recommended </span> </h4> <div class="row item noBorderLast remove-col-3"> <div class="col-12 col-md-3 border-bottom border-light py-2 fw-bolder recommended-1"> <a href="https://www.pymnts.com/buy-now-pay-later/2024/affirm-ceo-says-they-own-half-of-us-pay-later-revenue/" class="small recommended-link" rel="bookmark" title="Affirm CEO Says They Own Half of US Pay Later Revenue">Affirm CEO Says They Own Half of US Pay Later Revenue</a> </div> <div class="col-12 col-md-3 border-bottom border-light py-2 fw-bolder recommended-2"> <a href="https://www.pymnts.com/economy/2024/ahead-of-new-presidential-administration-paycheck-to-paycheck-consumers-feel-pinched/" class="small recommended-link" rel="bookmark" title="Ahead of New Presidential Administration, Paycheck-to-Paycheck Consumers Feel Pinched">Ahead of New Presidential Administration, Paycheck-to-Paycheck Consumers Feel Pinched</a> </div> <div class="col-12 col-md-3 border-bottom border-light py-2 fw-bolder recommended-3"> <a href="https://www.pymnts.com/earnings/2024/block-earnings-show-jack-dorseys-bitcoin-and-banking-ambitions/" class="small recommended-link" rel="bookmark" title="Block Earnings Show Jack Dorsey’s Bitcoin and Banking Ambitions">Block Earnings Show Jack Dorsey’s Bitcoin and Banking Ambitions</a> </div> <div class="col-12 col-md-3 border-bottom border-light py-2 fw-bolder recommended-4"> <a href="https://www.pymnts.com/legal/2024/ftx-star-witness-caroline-ellison-begins-2-year-prison-sentence/" class="small recommended-link" rel="bookmark" title="FTX Star Witness Caroline Ellison Begins 2-Year Prison Sentence">FTX Star Witness Caroline Ellison Begins 2-Year Prison Sentence</a> </div> </div> </div> <div class="col"> <div class="post-tags"> <span class="smaller fw-bold text-uppercase">See More In: </span><span class="smaller muted text-uppercase" itemprop="keywords"><a href="https://www.pymnts.com/tag/affirm/" rel="tag">Affirm</a>, <a href="https://www.pymnts.com/tag/affirm-card/" rel="tag">affirm card</a>, <a href="https://www.pymnts.com/tag/bnpl/" rel="tag">BNPL</a>, <a href="https://www.pymnts.com/tag/buy-now-pay-later/" rel="tag">buy now pay later</a>, <a href="https://www.pymnts.com/tag/earnings/" rel="tag">Earnings</a>, <a href="https://www.pymnts.com/tag/featured-news/" rel="tag">Featured News</a>, <a href="https://www.pymnts.com/tag/max-levchin/" rel="tag">Max Levchin</a>, <a href="https://www.pymnts.com/tag/news/" rel="tag">News</a>, <a href="https://www.pymnts.com/tag/pymnts-news/" rel="tag">PYMNTS News</a></span> </div> </div> </div> </div> </div> <div id="sidebar-container" class="d-none d-lg-block col-3 ms-5 me-auto"> <div id="sidebar-wrap" class="small"> <h4 class="header-border text-uppercase mb-2 fs-6 small"> <span class="border-layer"> Trending News </span> </h4> <div class="d-flex mb-3"> <div class="item flex-grow-1 noBorderLast"> <div class="border-bottom border-light pb-2"> <a href="https://www.pymnts.com/news/payments-innovation/2024/how-the-shopify-of-gaming-is-helping-developers-go-direct-to-consumer/" title="How the ‘Shopify of Gaming’ Is Helping Developers Go Direct to Consumer" > How the ‘Shopify of Gaming’ Is Helping Developers Go Direct to Consumer </a> <br> </div> <div class="border-bottom border-light py-2"> <a href="https://www.pymnts.com/news/risk-management/2024/chief-risk-officers-suit-up-for-digital-duty/" title="Chief Risk Officers Suit Up for Digital Duty"> Chief Risk Officers Suit Up for Digital Duty </a> <br> </div> <div class="border-bottom border-light py-2"> <a href="https://www.pymnts.com/blockchain/2024/the-price-of-loyalty-brands-bet-big-on-blockchain-to-woo-consumers/" title="The Price of Loyalty? 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