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Affirm Holdings, Inc. (AFRM)
NASDAQ: AFRM · Real-Time Price · USD
72.68
+3.19 (4.59%)
At close: Oct 27, 2026, 4:00 PM EDT
72.23
-0.45 (-0.62%)
Pre-market: Oct 28, 2026, 5:00 AM EDT

Affirm Holdings Financials Overview

Millions USD. Fiscal year is Jul - Jun.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingJun '26 Jun '26 Jun '25 Jun '24 Jun '23 Jun '22
Revenue
4,2614,2613,2242,3231,5881,349
Revenue Growth
32.15%32.15%38.80%46.29%17.69%55.01%
Gross Profit
2,0852,0851,482994.47675.5662.43
Operating Income
416.98416.98-87.46-607.33-1,162-866.05
Net Income
1,9301,93052.19-517.76-985.35-707.42
Earnings Per Share
5.535.530.15-1.67-3.34-2.51
EPS Growth
3515.00%3515.00%----

Revenue by Segment
Chart
Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingJun '26 Jun '26 Jun '25 Jun '24 Jun '23 Jun '22
Merchant Network
1,1501,150882.66674.61507.6458.51
Virtual Card
293.99293.99231.31151.4119.34100.7
Interest Income
2,0472,0471,6081,204685.22527.88
Gain on Sales of Loans
596.55596.55381.62197.15188.34196.44
Servicing Income
173.12173.12120.695.4887.4965.77

Cash & Debt
Chart
Fiscal Year
CurrentFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingJun '26 Jun '26 Jun '25 Jun '24 Jun '23 Jun '22
Cash & Investments
1,7021,7021,3931,083989.251,556
Total Debt
10,02310,0237,8536,6145,4514,144
Net Cash (Debt)
-8,321-8,321-6,460-5,532-4,462-2,588
Net Cash Growth
------
Net Cash Per Share
-23.85-23.85-18.94-17.85-15.11-9.19

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingJun '26 Jun '26 Jun '25 Jun '24 Jun '23 Jun '22
Operating Cash Flow
1,2311,231793.91450.1412.18-162.19
Capital Expenditures
-238.35-238.35-192.19-159.3-120.78-86.29
Free Cash Flow
992.63992.63601.72290.84-108.59-248.48
Free Cash Flow Growth
64.96%64.96%106.89%---

Margins
Chart
Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingJun '26 Jun '26 Jun '25 Jun '24 Jun '23 Jun '22
Gross Margin
48.93%48.93%45.97%42.81%42.54%49.09%
Operating Margin
9.79%9.79%-2.71%-26.14%-73.17%-64.19%
Pretax Margin
11.56%11.56%1.91%-22.19%-62.30%-53.72%
Profit Margin
45.29%45.29%1.62%-22.29%-62.05%-52.43%
FCF Margin
23.29%23.29%18.66%12.52%-6.84%-18.42%

Valuation
Chart
Fiscal Year
CurrentFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingOct '26 Jun '26 Jun '25 Jun '24 Jun '23 Jun '22
PE Ratio
13.1414.15427.41---
Forward PE
36.2121.7631.81---
P/FCF Ratio
24.7127.5137.0732.11--
PS Ratio
5.766.416.924.022.853.83