Affirm | Sustainability Performance
Affirm Holdings, Inc. offers buy now, pay later (BNPL) services to consumers, allowing them to make purchases and pay in installments. The company focuses on providing flexible and transparent payment options for online shoppers.
2012
United States
1,001 - 5,000 employees
Financial Services
$1B - 10B in revenue
Not profitable
Sustainability Ranking & Industry Benchmark
#10820
Overall#2418
in United States#505
in Financial ServicesSustainability Maturity
Sustainability Intent
Overview
Environmental
Carbon emissionsWater ManagementNature and biodiversityClimate riskSocial
Diversity and InclusionPay GapsExternalitiesGovernance
TargetsSDG ImpactESG scores and ExclusionsFinancial Data
Business performanceCapital & innovationAnalyst projections
Female employees
Laggard
Externalities
Critical
Market cap
Revenue
R&D intensity
Female employees
Reveal data for 1 credit
Share of female employees (%)
25
50
75
100
Company
Benchmark
Controversy level
- Affirm has faced multiple consumer protection complaints and CFPB scrutiny over buynowpaylater disclosure practices, plus class actions alleging inadequate creditworthiness assessment of installment borrowers.
Carbon emissions breakdown
Reveal data for 2 credits
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Climate risk
OverallAcuteChronic
Reveal data for 20 credits
Unlock Acute & Chronic48Moderate
Thematic risk scoresESRS aligned scoresComing soon
Download Climate Risk AnalysisPowered by illuminem and GIST impactBiodiversity loss in km²
Reveal data for 2 credits
Biodiversity loss in terms of the equivalent land affected (km²e)
Total biodiversity loss (km²e)
Industry benchmark
Biodiversity loss in CO2e
Reveal data for 2 credits
Total biodiversity loss as CO2e tonnes
Total biodiversity loss (CO2e tonnes)
Industry benchmark
Powered by GIST and illuminem
Potential species loss
Reveal data for 2 credits
Estimated nature species lost due to corporate activity, expressed as Potentially Disappeared Fraction (PDF)
One row per year, with the latest at the top. Each driver uses its own scale.
Low ImpactHigh Impact
Industry benchmark
Biodiversity impact
Reveal data for 2 credits
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PDF: Potentially Disappeared Fraction (of species) due to corporate activities
Water management
Reveal data for 2 credits
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Land use
Reveal data for 2 credits
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Diversity & inclusion
Reveal data for 3 credits
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Pay gap breakdown
Reveal data for 1 credit
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Externalities
Reveal data for 1 credit
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Market cap
Revenue
EBITDA
Operating margin
Revenue & EBITDA
$1.1BFY2026 revenue
Total Annual
Revenue & EBITDA
($ B)
Annual revenue
EBITDA
3 year change
Revenue by region
Revenue by region %
Canada
Other
United States
Powered by illuminem
Margin trends
Margin as % of revenue
Gross margin
Operating margin
Net margin
Powered by illuminem
Free cashflow
Capex
R&D intensity
0.0%FY2026
R&D as % of revenue
Return on invested capital (ROIC)
Industry benchmark
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Return on invested capital
35.0%FY2026
Return on invested capital (ROIC)
Industry benchmark
Powered by illuminem
Analyst revenue estimates & actuals
Analyst consensus vs actuals
($ B)
Actual revenue
Consensus estimates
Estimate only
2.3
▲ 3.3%
3.2
▲ 1.3%
1.1
▼ 72.7%
11.4
2030Powered by illuminem
Environmental policy coverage
Carbon reduction policy
Not available
Human rights policy
Not available
Recycling policy
Not available
Workplace health & safety policy
Not available
55%
Independent Directors
6 out of 11 incl. management
Overall score
0
Environment
0
Social
0
Governance
0
Exclusion screening
Adult content
Not available
Alcoholic
Not available
Animal testing
Not available
Firearms
Not available
Tobacco
Not available
Gambling
Not available
Nuclear
Not available
SDG impact
Reveal data for 5 credits
Powered by illuminem and GIST Impact
SDG impact (historical)
Reveal data for 5 credits
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