Affirm Holdings, Inc. (AFRM)
NASDAQ: AFRM · Real-Time Price · USD
51.83
-0.67 (-1.28%)
Mar 6, 2026, 10:46 AM EST - Market open
Affirm Holdings Income Statement
Financials in millions USD. Fiscal year is July - June.
Millions USD. Fiscal year is Jul - Jun.
Fiscal Quarter | 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 | Q3 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | 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 | Mar '21 Mar 31, 2021 |
Net Interest Income | 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 | 79.87 |
Net Interest Income Growth | 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% | 80.82% |
Non-Interest Income | 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 | 58.36 |
Non-Interest Income Growth | 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% | -28.72% |
Revenues Before Loan Losses | 1,123 | 933.34 | 876.42 | 783.14 | 866.38 | 698.48 | 659.19 | 576.16 | 591.11 | 496.55 | 445.83 | 380.98 | 399.56 | 361.62 | 364.13 | 354.76 | 361.01 | 269.39 | 261.78 | 230.67 |
Provision for Credit Losses | 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 | -1.06 |
| 908.87 | 770.59 | 719.79 | 635.88 | 713.4 | 538.66 | 541.58 | 453.71 | 470.23 | 396.85 | 351.34 | 314.54 | 292.87 | 297.37 | 291.44 | 288.47 | 308.37 | 205.74 | 236.29 | 231.73 | |
Revenue Growth (YoY) | 27.40% | 43.06% | 32.91% | 40.15% | 51.71% | 35.73% | 54.14% | 44.25% | 60.56% | 33.45% | 20.55% | 9.04% | -5.03% | 44.54% | 23.34% | 24.49% | 61.01% | 41.84% | 27.38% | 313.38% |
Selling, General & Admin | 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 | 238.18 |
Other Non-Interest Expenses | 535.62 | 464.13 | 435.8 | 422.21 | 355.09 | 353.26 | 326.93 | 325.09 | 343.79 | 280.39 | 285.97 | 240.85 | 269.9 | 223.98 | 169.74 | 44.2 | 183.06 | 312.02 | 176.48 | 280.67 |
Total Non-Interest Expense | 1,005 | 869.68 | 818.35 | 791.53 | 870.7 | 831.1 | 732.65 | 736.95 | 763.26 | 705.99 | 689.65 | 691.01 | 759.09 | 649.09 | 641.36 | 581.31 | 557.21 | 435.46 | 411.45 | 440.01 |
Pretax Income | 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 | -287.12 |
Provision for Income Taxes | 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 | -0.07 |
Net Income | 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 | -287.05 |
Net Income to Common | 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 | -287.05 |
Net Income Growth | 61.26% | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shares Outstanding (Basic) | 334 | 330 | 327 | 324 | 322 | 318 | 315 | 313 | 309 | 304 | 300 | 297 | 294 | 291 | 288 | 286 | 282 | 272 | 267 | 233 |
Shares Outstanding (Diluted) | 349 | 348 | 343 | 344 | 345 | 318 | 315 | 313 | 309 | 304 | 300 | 297 | 294 | 291 | 288 | 286 | 282 | 272 | 267 | 233 |
Shares Change (YoY) | 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% | 34.15% | 391.85% |
EPS (Basic) | 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 | -1.23 |
EPS (Diluted) | 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 | -1.23 |
EPS Growth | 60.87% | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Free Cash Flow | 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 | -128.61 |
Free Cash Flow Growth | -55.98% | 109.68% | -22.91% | -2.66% | 653.67% | 142.08% | 61.15% | - | - | 214.42% | - | - | - | -94.25% | - | - | - | - | - | - |
Free Cash Flow Per Share | 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 | -0.55 |
Profit Margin | 14.26% | 10.47% | 9.62% | 0.44% | 11.26% | -18.61% | -8.33% | -29.52% | -35.49% | -43.29% | -58.62% | -65.39% | -110.10% | -84.50% | -63.96% | -18.95% | -51.80% | -149.03% | -64.84% | -115.74% |
FCF Margin | 12.99% | 41.55% | 3.27% | 24.75% | 37.58% | 28.35% | 5.63% | 35.63% | 7.57% | 15.90% | 5.39% | -26.96% | -21.44% | 6.75% | -29.56% | -17.01% | -149.84% | 169.54% | -11.74% | -51.86% |
EBITDA | 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 | -4.12 |
EBITDA Margin | 0.04% | 0.67% | 1.00% | 1.98% | 0.84% | -0.15% | 8.24% | 0.03% | -0.54% | 3.52% | 6.26% | 11.64% | 1.26% | 0.44% | 1.01% | 1.59% | -3.49% | -0.47% | -0.18% | -1.66% |
Effective Tax Rate | 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% | 0.02% |
Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.