Affirm Holdings, Inc. (AFRM)

NASDAQ: AFRM · Real-Time Price · USD

73.40

-3.31 (-4.31%)

At close: Aug 12, 2026, 4:00 PM EDT

73.44

+0.04 (0.06%)

After-hours: Aug 12, 2026, 7:59 PM EDT

Affirm Holdings Financials Overview

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

Millions USD. Fiscal year is Jul - Jun.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Revenue	2,867	2,331	1,618	1,285	1,166	692.18
Revenue Growth	31.58%	44.03%	25.97%	10.23%	68.39%	88.24%
Net Income	382.42	52.19	-517.76	-985.35	-707.42	-441.03
Earnings Per Share	1.10	0.15	-1.67	-3.34	-2.51	-2.77
EPS Growth	-	-	-	-	-	-

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Merchant Network	1,087	882.66	674.61	507.6	458.51	379.55
Virtual Card	275.95	231.31	151.4	119.34	100.7	49.85
Interest Income	1,899	1,608	1,204	685.22	527.88	326.42
Gain on Sales of Loans	548.36	381.62	197.15	188.34	196.44	89.93
Servicing Income	160.94	120.6	95.48	87.49	65.77	24.72

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Cash & Investments	2,474	1,756	1,295	1,260	1,551	1,693
Total Debt	8,874	7,610	6,415	5,345	4,007	1,857
Net Cash (Debt)	-6,400	-5,853	-5,120	-4,085	-2,456	-164.64
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-18.44	-16.82	-16.51	-13.85	-8.72	-1.03

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Operating Cash Flow	1,009	793.91	450.14	12.18	-162.19	-193.13
Capital Expenditures	-222.59	-192.19	-159.3	-120.78	-86.29	-20.25
Free Cash Flow	786.85	601.72	290.84	-108.59	-248.48	-213.38
Free Cash Flow Growth	29.27%	106.89%	-	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Pretax Margin	13.78%	2.64%	-31.85%	-77.00%	-62.19%	-64.05%
Profit Margin	13.34%	2.24%	-31.99%	-76.70%	-60.69%	-63.72%
FCF Margin	27.44%	25.81%	17.97%	-8.45%	-21.32%	-30.83%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 13, 2026	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
PE Ratio	69.35	460.93	-	-	-	-
Forward PE	20.18	31.81	-	-	-	-
P/FCF Ratio	31.24	37.36	32.31	-	-	-
PS Ratio	6.19	9.64	5.81	3.54	4.45	26.21