Affirm Holdings, Inc. (BMV:AFRM)

Affirm Holdings Income Statement

Financials in millions USD. Fiscal year is July - June.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Net Interest Income	1,183	860.1	502.2	458.19	273.72
Net Interest Income Growth	37.52%	71.27%	9.61%	67.39%	77.26%
Non-Interest Income	1,765	1,219	1,114	962.63	484.34
Non-Interest Income Growth	44.79%	9.38%	15.77%	98.75%	52.13%
Revenues Before Loan Losses	2,948	2,079	1,617	1,421	758.06
Provision for Credit Losses	616.68	460.63	331.86	255.27	65.88
Revenue	2,331	1,618	1,285	1,166	692.18
Revenue Growth (YoY)	44.03%	25.97%	10.23%	68.39%	88.24%
Selling, General & Admin	979.9	1,102	1,225	1,110	565.94
Other Non-Interest Expenses	1,290	1,032	1,049	780.54	569.61
Total Non-Interest Expense	2,270	2,134	2,274	1,890	1,136
Pretax Income	61.46	-515.53	-989.25	-724.83	-443.37
Provision for Income Taxes	9.28	2.23	-3.9	-17.41	-2.34
Net Income	52.19	-517.76	-985.35	-707.42	-441.03
Net Income to Common	52.19	-517.76	-985.35	-707.42	-441.03
Shares Outstanding (Basic)	317	304	292	282	158
Shares Outstanding (Diluted)	317	304	292	282	159
Shares Change (YoY)	4.17%	4.21%	3.71%	76.90%	232.75%
EPS (Basic)	0.16	-1.67	-3.34	-2.51	-2.78
EPS (Diluted)	0.15	-1.67	-3.34	-2.51	-2.95
Free Cash Flow	601.72	290.84	-108.59	-248.48	-213.38
Free Cash Flow Growth	106.89%	-	-	-	-
Free Cash Flow Per Share	1.90	0.96	-0.37	-0.88	-1.34
Profit Margin	2.24%	-31.99%	-76.70%	-60.69%	-63.72%
FCF Margin	25.81%	17.97%	-8.45%	-21.32%	-30.83%
EBITDA	25.03	56.15	63.56	-4.16	4.73
EBITDA Margin	1.07%	3.47%	4.95%	-0.36%	0.68%
Effective Tax Rate	15.10%	-0.43%	0.39%	2.40%	0.53%

Updated Jun 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.