Company: AFRM
Filing Date: 2025-02-28
Form Type: S-3ASR
Source: 0001820953-25-000025
Chunk: 6

Company: Affirm Holdings, Inc.
Filing Date: 2025-02-28
Form: S-3ASR
Chunk 6
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,” “may,” “plan,” “potentially,” “predict,” “project,” “should,” “will,” “would,” or the negative of these terms or other similar expressions. These forward-looking statements include, but are not limited to, statements concerning the following:

• our expectations regarding our future revenue, expenses, and other operating results and key operating metrics;

• our ability to attract new merchant partners and commerce platforms and grow our relationships with existing merchant partners and commerce platforms;

• our ability to compete successfully in a highly competitive and evolving industry;

• our ability to attract new consumers and retain and grow our relationships with our existing consumers;

• our expectations regarding the development, innovation, introduction of, and demand for, our products;

• our ability to successfully maintain our relationship with existing originating bank partners and card issuing bank partners and engage additional originating bank partners and card issuing bank partners;

• our ability to maintain, renew or replace our existing funding arrangements and build and grow new funding relationships;

• the impact of any of our funding sources becoming unwilling or unable to provide funding to us on terms acceptable to us, or at all;

• our ability to effectively price and score credit risk using our proprietary risk model;

• the performance of loans facilitated and originated through our platform;

• the future growth rate of our revenue and related key operating metrics;

• our ability to achieve sustained profitability in the future;

• our ability, and the ability of our originating bank and other partners, to comply, and remain in compliance with, laws and regulations that currently apply or become applicable to our business or the businesses of such partners;

• our ability to protect our confidential, proprietary, or sensitive information;

• past and future acquisitions, investments, and other strategic investments;

• our ability to maintain, protect, and enhance our brand and intellectual property;

• litigation, investigations, regulatory inquiries, and proceedings;

• developments in our regulatory environment;

• the impact of macroeconomic conditions on our business, including the impacts of inflation, an elevated interest rate environment and corresponding elevated negotiated interest rate spreads, ongoing recessionary concerns, and the potential impact of those macroeconomic conditions on the stability of the financial institutions with whom we do business; and

• the size and growth rates of the markets in which we compete.

Forward-looking statements, including statements such as “we believe” and similar statements, are based on our management’s current beliefs, opinions and assumptions and on information currently available as of the date of this prospectus. Such information may be limited or incomplete, and our statements should not be