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Affirm Holdings | 10-K: FY2024 Annual Report

Affirm Holdings | 10-K: FY2024 Annual Report

Affirm Holdings | 10-K：2024財年年報
美股SEC公告 ·  2024/08/29 05:13

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Affirm Holdings reported strong financial results for fiscal year 2024, with total revenue increasing 46% year-over-year to $2.32 billion. Gross merchandise volume (GMV) grew 32% to $26.6 billion, while active consumers rose 14% to 18.7 million. The company's net loss narrowed to $517.8 million from $985.3 million in the previous year.The company demonstrated improved operational efficiency with total operating expenses increasing only 5% to $2.94 billion, while technology and data analytics expenses decreased 19%. Interest income surged 76% to $1.2 billion, driven by a 49% increase in average loans held for investment to $5.1 billion. The company maintained strong liquidity with $2.1 billion in cash and available for sale securities.Looking ahead, Affirm expanded its funding capacity with $3.8 billion available and renewed its $330 million revolving credit facility through 2027. The company also strengthened key partnerships, including extending its Amazon agreement, and plans to enter the UK market by the end of fiscal 2025. Management expects to achieve GAAP operating income profitability in Q4 fiscal 2025.
Affirm Holdings reported strong financial results for fiscal year 2024, with total revenue increasing 46% year-over-year to $2.32 billion. Gross merchandise volume (GMV) grew 32% to $26.6 billion, while active consumers rose 14% to 18.7 million. The company's net loss narrowed to $517.8 million from $985.3 million in the previous year.The company demonstrated improved operational efficiency with total operating expenses increasing only 5% to $2.94 billion, while technology and data analytics expenses decreased 19%. Interest income surged 76% to $1.2 billion, driven by a 49% increase in average loans held for investment to $5.1 billion. The company maintained strong liquidity with $2.1 billion in cash and available for sale securities.Looking ahead, Affirm expanded its funding capacity with $3.8 billion available and renewed its $330 million revolving credit facility through 2027. The company also strengthened key partnerships, including extending its Amazon agreement, and plans to enter the UK market by the end of fiscal 2025. Management expects to achieve GAAP operating income profitability in Q4 fiscal 2025.
Affirm Holdings報告了2024財年的強勁財務業績，總營業收入同比增長46%，達到23.2億美金。毛商品成交量（GMV）增長32%，達到266億美金，而活躍消費者增加14%，至1870萬。公司的淨虧損從前一年的98530萬收窄至51780萬。公司展現出提高的運營效率，總營業費用僅增長5%，至29.4億美金，而科技和數據分析費用下降了19%。利息收入激增76%，達到12億美金，這得益於投資貸款平均持有量增加49%，達到51億美金。公司保持強勁的流動性，有21億美金的現金和可售證券。展望未來，Affirm擴大了其融資能力，擁有38億美金可用資金，並續簽了33000萬美金的循環信用協議，直至2027年。公司還加強了關鍵合作伙伴關係，包括延長與亞馬遜的協議，並計劃在2025財年末進入英國市場。管理層預計在2025財年第四季度實現公認會計原則下的營業收入盈利。
Affirm Holdings報告了2024財年的強勁財務業績，總營業收入同比增長46%，達到23.2億美金。毛商品成交量（GMV）增長32%，達到266億美金，而活躍消費者增加14%，至1870萬。公司的淨虧損從前一年的98530萬收窄至51780萬。公司展現出提高的運營效率，總營業費用僅增長5%，至29.4億美金，而科技和數據分析費用下降了19%。利息收入激增76%，達到12億美金，這得益於投資貸款平均持有量增加49%，達到51億美金。公司保持強勁的流動性，有21億美金的現金和可售證券。展望未來，Affirm擴大了其融資能力，擁有38億美金可用資金，並續簽了33000萬美金的循環信用協議，直至2027年。公司還加強了關鍵合作伙伴關係，包括延長與亞馬遜的協議，並計劃在2025財年末進入英國市場。管理層預計在2025財年第四季度實現公認會計原則下的營業收入盈利。
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