Affirm Holdings, Inc. (AFRM)

Affirm Holdings Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Net Interest Income	1,334	1,183	860.1	502.2	458.19	273.72
Net Interest Income Growth	28.03%	37.52%	71.27%	9.61%	67.39%	77.26%
Non-Interest Income	2,009	1,765	1,219	1,114	962.63	484.34
Non-Interest Income Growth	30.51%	44.79%	9.38%	15.77%	98.75%	52.13%
Revenues Before Loan Losses	3,716	3,224	2,323	1,588	1,349	870.46
Provision for Credit Losses	680.78	616.68	460.63	331.86	255.27	65.88
Revenue	3,035	2,608	1,862	1,256	1,094	804.59
Revenue Growth (YoY)	35.05%	40.02%	48.26%	14.82%	35.97%	98.93%
Selling, General & Admin	884.17	979.9	1,102	1,225	1,110	565.94
Other Non-Interest Expenses	1,858	1,566	1,276	1,021	709.02	682.02
Total Non-Interest Expense	3,485	3,312	2,939	2,789	2,215	1,254
Pretax Income	293.18	61.46	-515.53	-989.25	-724.83	-443.37
Provision for Income Taxes	10.86	9.28	2.23	-3.9	-17.41	-2.34
Net Income	282.33	52.19	-517.76	-985.35	-707.42	-441.03
Net Income to Common	282.33	52.19	-517.76	-985.35	-707.42	-441.03
Shares Outstanding (Basic)	329	317	304	292	282	158
Shares Outstanding (Diluted)	346	317	304	292	282	159
Shares Change (YoY)	7.19%	4.17%	4.21%	3.71%	76.90%	232.75%
EPS (Basic)	0.85	0.16	-1.67	-3.34	-2.51	-2.78
EPS (Diluted)	0.81	0.15	-1.67	-3.34	-2.51	-2.77
Free Cash Flow	619.13	601.72	290.84	-108.59	-248.48	-213.38
Free Cash Flow Growth	2.89%	106.89%	-	-	-	-
Free Cash Flow Per Share	1.79	1.90	0.96	-0.37	-0.88	-1.34
Profit Margin	9.30%	2.00%	-27.80%	-78.44%	-64.66%	-54.81%
FCF Margin	20.40%	23.07%	15.62%	-8.65%	-22.71%	-26.52%
EBITDA	25.37	25.03	56.15	63.56	-4.16	4.73
EBITDA Margin	0.84%	0.96%	3.02%	5.06%	-0.38%	0.59%
Effective Tax Rate	3.70%	15.10%	-0.43%	0.39%	2.40%	0.53%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q