Affirm Holdings, Inc. (AFRM)

Buy now, pay later consumer lender. Read November 11, 2026 from the annual report for the period ending June 30, 2026, filed August 27, 2026. Ranked 46 of the 173 Financial Services companies read so far, by the share within reach now.

A consumer lender with a technology platform; the filing states one total.

The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.

What follows from the reading

Share of working time within reach of AI, on the long-run pace at four in five: 56% now, 66% at the end of 2027, 68% at the end of 2028, 68% at the end of 2030. By the patterns, the work is about 68% desk work, 28% people work and 4% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 32% of the working time stays with people (conversation, in-person and hands-on work), 60% becomes checking a model's work and 7% could be handed over with lighter checks, from the industries' own figures, not the company's roles.

Headcount

2,358 employees as of June 30, 2026 (stated). Given in words: employees are primarily located in the United States.

The filing: “As of June 30, 2026, we had a total of 2,358 employees, primarily located in the United States.”

The workforce as industry patterns

What the filing says about the workforce: Employees are primarily in the United States; the company also operates in Canada, the U.K. and Australia.

Companies read with the same leading pattern

Other companies whose largest staffing pattern is also Nondepository Credit Intermediation, largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five. Now is projected from METR's April 2026 measurement and Epoch's November 2026 index.

• American Express Company (AXP, 76,800 employees)56% now, 68% by 2028
• Rocket Companies, Inc. (RKT, 23,500 employees)52% now, 62% by 2028
• FirstCash Holdings, Inc (FCFS, 22,000 employees)55% now, 68% by 2028
• Synchrony Financial (SYF, 20,000 employees)56% now, 68% by 2028
• OneMain Holdings, Inc. (OMF, 9,300 employees)56% now, 68% by 2028
• UWM Holdings Corporation (UWMC, 9,100 employees)55% now, 69% by 2028
• EZCORP, Inc. (EZPW, 8,500 employees)56% now, 68% by 2028
• Rithm Capital Corp. (RITM, 7,240 employees)54% now, 66% by 2028

What the filing says about AI

31 sentences in the filing name AI. The filing says its risk model rests on machine learning algorithms and that its products use machine learning and artificial intelligence.

• “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 successf...”
• “By utilizing our unique risk model predicated on sophisticated machine learning algorithms, proprietary data, and product-level underwriting, we can serve consumers across the credit spectrum and price risk across transaction types.”
• “Our solutions use machine learning, artificial intelligence, cloud-based technologies, and other modern tools to create differentiated and scalable products.”
• “Our machine learning-based risk models are calibrated and validated on an extensive amount of data from over 553 million loans to date, and are custom built to effectively detect fraud, price risk, and provide customized recommendations.”
• “To expand consumers' purchasing power and deliver personalized benefits and offers, we are delivering a new generation of financial products and experiences designed to meet their evolving needs, including AdaptAI (Affirm's AI-powered personalized promotion platform).”

Its annual reports, year by year

Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector

• Fiscal 202112median 0
• Fiscal 202212median 0
• Fiscal 202311median 1
• Fiscal 202411median 4
• Fiscal 202526median 10
• Fiscal 202631

Headcount by filing year

As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.

Limits of this reading

• No count by function; the engineering staff are read inside the lending pattern because the filing counts no software workforce.

Source: the company's annual report on EDGAR, accession 0001628280-26-059279, the filing. Read by Claude Fable 5.2 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.