Affirm ‘s fiscal first-quarter results topped Wall Street expectations as the ‘buy now, pay later’ lender saw total merchandise volume climb 28% year over year to $5.6 billion.
Affirm has maintained that its model allows it to swiftly adjust its underwriting to address changes in the economy and consumer behavior. That underwriting has been put to the test as interest rates have remained high and many lenders have seen delinquencies creep up to prepandemic levels. “The thing that we do really well is we’re just a factory floor for building really robust risk models and doing it over and over again,” Max Levchin, chief executive at Affirm, told Barron’s Wednesday.
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