Affirm Holdings, Inc. (AFRM)
NASDAQ: AFRM · Real-Time Price · USD
73.93
+3.99 (5.70%)
Sep 2, 2026, 2:28 PM EDT - Market open
Affirm Holdings Financials Overview
Financials in millions USD. Fiscal year is July - June.
Millions USD. Fiscal year is Jul - Jun.
| Fiscal Year | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Jun '26 Jun 30, 2026 | Jun '25 Jun 30, 2025 | Jun '24 Jun 30, 2024 | Jun '23 Jun 30, 2023 | Jun '22 Jun 30, 2022 |
Revenue Revenue Growth | 4,261 | 4,261 | 3,224 | 2,323 | 1,588 | 1,349 |
Revenue Growth | 32.15% | 32.15% | 38.80% | 46.29% | 17.69% | 55.01% |
Gross Profit Gross Profit Growth | 2,085 | 2,085 | 1,482 | 994.47 | 675.5 | 662.43 |
Operating Income Operating Income Growth | 416.98 | 416.98 | -87.46 | -607.33 | -1,162 | -866.05 |
Net Income Net Income Growth | 1,930 | 1,930 | 52.19 | -517.76 | -985.35 | -707.42 |
Earnings Per Share EPS Growth | 5.53 | 5.53 | 0.15 | -1.67 | -3.34 | -2.51 |
EPS Growth | 3515.00% | 3515.00% | - | - | - | - |
| Fiscal Year | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Jun '26 Jun 30, 2026 | Jun '25 Jun 30, 2025 | Jun '24 Jun 30, 2024 | Jun '23 Jun 30, 2023 | Jun '22 Jun 30, 2022 |
Merchant Network Merchant Network Growth | 1,150 | 1,150 | 882.66 | 674.61 | 507.6 | 458.51 |
Virtual Card Virtual Card Growth | 293.99 | 293.99 | 231.31 | 151.4 | 119.34 | 100.7 |
Interest Income Interest Income Growth | 2,047 | 2,047 | 1,608 | 1,204 | 685.22 | 527.88 |
Gain on Sales of Loans Gain on Sales of Loans Growth | 596.55 | 596.55 | 381.62 | 197.15 | 188.34 | 196.44 |
Servicing Income Servicing Income Growth | 173.12 | 173.12 | 120.6 | 95.48 | 87.49 | 65.77 |
| Fiscal Year | Current | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Jun '26 Jun 30, 2026 | Jun '25 Jun 30, 2025 | Jun '24 Jun 30, 2024 | Jun '23 Jun 30, 2023 | Jun '22 Jun 30, 2022 |
Cash & Investments Cash & Investments Growth | 1,702 | 1,702 | 1,393 | 1,083 | 989.25 | 1,556 |
Total Debt Total Debt Growth | 10,023 | 10,023 | 7,853 | 6,614 | 5,451 | 4,144 |
Net Cash (Debt) Net Cash Growth | -8,321 | -8,321 | -6,460 | -5,532 | -4,462 | -2,588 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share Net Cash Per Share Growth | -23.85 | -23.85 | -18.94 | -17.85 | -15.11 | -9.19 |
| Fiscal Year | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Jun '26 Jun 30, 2026 | Jun '25 Jun 30, 2025 | Jun '24 Jun 30, 2024 | Jun '23 Jun 30, 2023 | Jun '22 Jun 30, 2022 |
Operating Cash Flow Operating Cash Flow Growth | 1,231 | 1,231 | 793.91 | 450.14 | 12.18 | -162.19 |
Capital Expenditures CapEx Growth | -238.35 | -238.35 | -192.19 | -159.3 | -120.78 | -86.29 |
Free Cash Flow Free Cash Flow Growth | 992.63 | 992.63 | 601.72 | 290.84 | -108.59 | -248.48 |
Free Cash Flow Growth | 64.96% | 64.96% | 106.89% | - | - | - |
| Fiscal Year | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Jun '26 Jun 30, 2026 | Jun '25 Jun 30, 2025 | Jun '24 Jun 30, 2024 | Jun '23 Jun 30, 2023 | Jun '22 Jun 30, 2022 |
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% |
| Fiscal Year | Current | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 2, 2026 | Jun '26 Jun 30, 2026 | Jun '25 Jun 30, 2025 | Jun '24 Jun 30, 2024 | Jun '23 Jun 30, 2023 | Jun '22 Jun 30, 2022 |
PE Ratio | 13.36 | 14.15 | 427.41 | - | - | - |
Forward PE | 18.67 | 21.76 | 31.81 | - | - | - |
P/FCF Ratio | 25.14 | 27.51 | 37.07 | 32.11 | - | - |
PS Ratio | 5.86 | 6.41 | 6.92 | 4.02 | 2.85 | 3.83 |