Affirm Expands U.K. Presence With Adyen & Enhances Credit Reporting

Core Viewpoint - Affirm Holdings, Inc. is expanding its collaboration with Adyen into the U.K., allowing merchants to offer interest-free and interest-bearing installment options, enhancing consumer financial flexibility and aiming for significant growth in the market [1][2][4]. Group 1: Expansion and Market Demand - The integration of Affirm's payment solutions in the U.K. responds to the rising demand for flexible payment options among businesses, providing merchants access to a broader customer base and consumers with more payment choices without hidden fees [2][4]. - This expansion is expected to contribute to Affirm's fiscal 2025 Gross Merchandise Volume (GMV) outlook of $34.74-$35.34 billion [2]. Group 2: Financial Transparency and Credit Reporting - Affirm will start reporting all pay-over-time transactions to Experian from April 1, 2025, enhancing financial transparency and allowing lenders to gain a comprehensive view of consumer financial behaviors [3][4]. - The inclusion of all pay-over-time loans in Experian's credit reporting system is anticipated to build trust with lenders and support responsible credit extension [4]. Group 3: Stock Performance - Over the past year, Affirm's shares have increased by 27.2%, outperforming the industry growth of 2.3% [5].