Affirm Holdings, Inc. (AFRM)
NASDAQ: AFRM · Real-Time Price · USD
64.62
+1.01 (1.59%)
Jun 8, 2026, 10:17 AM EDT - Market open
Affirm Holdings Income Statement
Financials in millions USD. Fiscal year is July - June.
Millions USD. Fiscal year is Jul - Jun.
Fiscal Quarter | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 | Sep '21 Sep 30, 2021 | Jun '21 Jun 30, 2021 |
Net Interest Income | 418.69 | 381.91 | 344.1 | 313.18 | 295.07 | 301.61 | 272.92 | 242.36 | 225.26 | 203.73 | 188.75 | 151.82 | 127.08 | 111.57 | 111.74 | 118.21 | 118.78 | 120.66 | 100.55 | 88.17 |
Net Interest Income Growth | 41.89% | 26.63% | 26.08% | 29.22% | 30.99% | 48.04% | 44.59% | 59.64% | 77.26% | 82.60% | 68.92% | 28.43% | 6.99% | -7.53% | 11.13% | 34.07% | 48.72% | 95.24% | 129.12% | 113.49% |
Non-Interest Income | 525.26 | 645.01 | 498.57 | 470.84 | 394.17 | 544.2 | 355.72 | 350.89 | 288.19 | 307.31 | 272.58 | 267.55 | 306.23 | 279.76 | 260.84 | 299.22 | 392.3 | 259.4 | 11.71 | 152 |
Non-Interest Income Growth | 33.26% | 18.52% | 40.16% | 34.19% | 36.78% | 77.08% | 30.50% | 31.15% | -5.89% | 9.85% | 4.50% | -10.58% | -21.94% | 7.85% | 2127.50% | 96.85% | 572.19% | 98.89% | -92.15% | 52.30% |
Revenues Before Loan Losses | 943.95 | 1,027 | 842.67 | 784.02 | 689.24 | 845.8 | 628.64 | 593.25 | 513.45 | 511.04 | 461.32 | 419.37 | 433.31 | 391.33 | 372.58 | 417.43 | 511.08 | 380.05 | 112.26 | 240.17 |
Provision for Credit Losses | 196.54 | 214.15 | 162.75 | 156.63 | 147.25 | 152.98 | 159.82 | 117.61 | 122.44 | 120.88 | 99.7 | 94.48 | 66.44 | 106.69 | 64.25 | 72.69 | 66.29 | 52.64 | 63.65 | 25.49 |
| 747.41 | 812.76 | 679.92 | 627.39 | 541.99 | 692.82 | 468.81 | 475.64 | 391.01 | 390.16 | 361.63 | 324.88 | 366.87 | 284.65 | 308.33 | 344.74 | 444.78 | 327.41 | 48.61 | 214.68 | |
Revenue Growth (YoY) | 37.90% | 17.31% | 45.03% | 31.91% | 38.61% | 77.57% | 29.64% | 46.40% | 6.58% | 37.07% | 17.29% | -5.76% | -17.52% | -13.06% | 534.26% | 60.58% | 219.32% | 82.20% | -70.38% | 23.90% |
Selling, General & Admin | 218.16 | 240.01 | 223.43 | 212.41 | 208.33 | 275.45 | 283.72 | 258.78 | 261.67 | 294.04 | 287.2 | 272.65 | 280.21 | 346.97 | 324.85 | 326.22 | 298.68 | 284.77 | 200.16 | 192.87 |
Other Non-Interest Expenses | 421.87 | 439.52 | 373.47 | 343.4 | 328.32 | 334.51 | 283.42 | 261 | 262.38 | 263.72 | 245.17 | 259.51 | 293.18 | 261.68 | 234.93 | 223.03 | 200.52 | 202.1 | 154.89 | 154.87 |
Total Non-Interest Expense | 640.03 | 679.52 | 596.9 | 555.82 | 536.65 | 609.96 | 567.13 | 519.78 | 524.05 | 557.76 | 532.37 | 532.16 | 573.39 | 608.65 | 559.78 | 549.25 | 499.2 | 486.87 | 355.06 | 347.75 |
Pretax Income | 107.38 | 133.24 | 83.02 | 71.58 | 5.35 | 82.86 | -98.32 | -44.14 | -133.05 | -167.6 | -170.74 | -207.28 | -206.51 | -324.01 | -251.45 | -204.52 | -54.41 | -159.46 | -306.44 | -155.66 |
Provision for Income Taxes | 4.48 | 3.65 | 2.33 | 2.34 | 2.54 | 2.5 | 1.9 | 1 | 0.89 | -0.7 | 1.04 | -1.32 | -0.84 | -1.57 | -0.18 | -18.12 | 0.26 | 0.28 | 0.17 | -2.45 |
Net Income | 102.9 | 129.59 | 80.69 | 69.24 | 2.8 | 80.36 | -100.22 | -45.14 | -133.94 | -166.9 | -171.78 | -205.96 | -205.68 | -322.44 | -251.27 | -186.4 | -54.67 | -159.74 | -306.62 | -153.21 |
Net Income to Common | 102.9 | 129.59 | 80.69 | 69.24 | 2.8 | 80.36 | -100.22 | -45.14 | -133.94 | -166.9 | -171.78 | -205.96 | -205.68 | -322.44 | -251.27 | -186.4 | -54.67 | -159.74 | -306.62 | -153.21 |
Net Income Growth | 3569.76% | 61.26% | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shares Outstanding (Basic) | 337 | 334 | 330 | 327 | 324 | 322 | 318 | 315 | 313 | 309 | 304 | 300 | 297 | 294 | 291 | 288 | 286 | 282 | 272 | 267 |
Shares Outstanding (Diluted) | 348 | 349 | 348 | 343 | 344 | 345 | 318 | 315 | 313 | 309 | 304 | 300 | 297 | 294 | 291 | 288 | 286 | 282 | 272 | 267 |
Shares Change (YoY) | 1.13% | 1.21% | 9.44% | 8.58% | 10.11% | 11.69% | 4.74% | 5.29% | 5.19% | 5.24% | 4.44% | 4.00% | 4.05% | 4.32% | 7.09% | 7.79% | 22.43% | 297.64% | 298.03% | 463.46% |
EPS (Basic) | 0.31 | 0.39 | 0.24 | 0.21 | 0.01 | 0.25 | -0.31 | -0.14 | -0.43 | -0.54 | -0.57 | -0.69 | -0.69 | -1.10 | -0.86 | -0.65 | -0.19 | -0.57 | -1.13 | -0.46 |
EPS (Diluted) | 0.30 | 0.37 | 0.23 | 0.20 | 0.01 | 0.23 | -0.31 | -0.14 | -0.43 | -0.54 | -0.57 | -0.69 | -0.69 | -1.10 | -0.86 | -0.65 | -0.19 | -0.57 | -1.13 | -0.46 |
EPS Growth | 2900.00% | 60.87% | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shares Outstanding | 334.85 | 332.21 | 330.05 | 325.11 | 322.52 | 315.74 | 313.98 | 311.05 | 308.54 | 305.53 | 301.08 | 296.85 | 294.65 | 292.09 | 289.49 | 287.37 | 285.78 | 283.21 | 277.72 | 269.36 |
Free Cash Flow | 325.1 | 118.03 | 320.21 | 23.52 | 157.38 | 268.11 | 152.72 | 30.51 | 161.68 | 35.57 | 63.09 | 18.93 | -84.79 | -62.8 | 20.06 | -86.15 | -49.08 | -462.07 | 348.8 | -27.75 |
Free Cash Flow Growth | 106.57% | -55.98% | 109.68% | -22.91% | -2.66% | 653.67% | 142.08% | 61.15% | - | - | 214.42% | - | - | - | -94.25% | - | - | - | - | - |
Free Cash Flow Per Share | 0.93 | 0.34 | 0.92 | 0.07 | 0.46 | 0.78 | 0.48 | 0.10 | 0.52 | 0.12 | 0.21 | 0.06 | -0.29 | -0.21 | 0.07 | -0.30 | -0.17 | -1.64 | 1.28 | -0.10 |
Profit Margin | 13.77% | 15.94% | 11.87% | 11.04% | 0.52% | 11.60% | -21.38% | -9.49% | -34.25% | -42.78% | -47.50% | -63.40% | -56.06% | -113.28% | -81.49% | -54.07% | -12.29% | -48.79% | -630.74% | -71.36% |
FCF Margin | 43.50% | 14.52% | 47.10% | 3.75% | 29.04% | 38.70% | 32.57% | 6.41% | 41.35% | 9.12% | 17.44% | 5.83% | -23.11% | -22.06% | 6.51% | -24.99% | -11.03% | -141.13% | 717.52% | -12.93% |
EBITDA | -4.45 | 0.36 | 5.18 | 7.23 | 12.59 | 6 | -0.8 | 44.6 | 0.14 | -2.55 | 13.96 | 21.98 | 36.6 | 3.68 | 1.3 | 2.96 | 4.6 | -10.76 | -0.97 | -0.43 |
EBITDA Margin | -0.60% | 0.04% | 0.76% | 1.15% | 2.32% | 0.87% | -0.17% | 9.38% | 0.03% | -0.65% | 3.86% | 6.77% | 9.98% | 1.29% | 0.42% | 0.86% | 1.03% | -3.28% | -1.99% | -0.20% |
Effective Tax Rate | 4.17% | 2.74% | 2.80% | 3.26% | 47.54% | 3.02% | -1.93% | -2.26% | -0.67% | 0.42% | -0.61% | 0.63% | 0.40% | 0.48% | 0.07% | 8.86% | -0.48% | -0.17% | -0.06% | 1.57% |