Affirm Holdings, Inc. (AFRM)
NASDAQ: AFRM · Real-Time Price · USD
71.14
-6.32 (-8.16%)
At close: Oct 10, 2025, 4:00 PM EDT
70.30
-0.84 (-1.18%)
After-hours: Oct 10, 2025, 7:59 PM EDT
Affirm Holdings Income Statement
Financials in millions USD. Fiscal year is July - June.
Millions USD. Fiscal year is Jul - Jun.
Fiscal Quarter | 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 | Q2 2021 | Q1 2021 | +3 Quarters |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | 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 | Dec '20 Dec 31, 2020 | Sep '20 Sep 30, 2020 | +3 Quarters |
Net Interest Income | 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 | 61.8 | 43.89 | Upgrade |
Net Interest Income Growth | 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% | 67.44% | - | Upgrade |
Non-Interest Income | 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 | 146.37 | 58.36 | 130.42 | 149.19 | Upgrade |
Non-Interest Income Growth | 34.19% | 36.78% | 77.08% | 30.50% | 31.15% | -5.89% | 9.85% | 4.50% | -10.58% | -21.94% | 7.85% | 2127.50% | 104.42% | 572.19% | 98.89% | -92.15% | 46.66% | -28.72% | 50.55% | - | Upgrade |
Revenues Before Loan Losses | 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 | 234.54 | 138.23 | 192.22 | 193.07 | Upgrade |
Provision for Credit Losses | 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 | 12.52 | 28.93 | Upgrade |
| 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 | 209.05 | 139.29 | 179.7 | 164.14 | Upgrade | |
Revenue Growth (YoY) | 31.91% | 38.61% | 77.57% | 29.64% | 46.40% | 6.58% | 37.07% | 17.29% | -5.76% | -17.52% | -13.06% | 534.26% | 64.90% | 219.32% | 82.20% | -70.38% | 20.65% | 217.79% | 92.48% | - | Upgrade |
Selling, General & Admin | 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 | 80.03 | 54.86 | Upgrade |
Other Non-Interest Expenses | 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 | 142.05 | 188.23 | 126.2 | 113.13 | Upgrade |
Total Non-Interest Expense | 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 | 334.92 | 426.41 | 206.23 | 167.99 | Upgrade |
Pretax Income | 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 | -125.87 | -287.12 | -26.53 | -3.85 | Upgrade |
Provision for Income Taxes | 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 | 0.08 | 0.1 | Upgrade |
Net Income | 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 | -123.42 | -287.05 | -26.61 | -3.95 | Upgrade |
Net Income to Common | 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 | -123.42 | -287.05 | -26.61 | -3.95 | Upgrade |
Shares Outstanding (Basic) | 304 | 324 | 315 | 318 | 294 | 313 | 303 | 304 | 287 | 297 | 294 | 291 | 288 | 286 | 282 | 272 | 267 | 233 | 71 | 65 | Upgrade |
Shares Outstanding (Diluted) | 304 | 344 | 315 | 318 | 294 | 313 | 303 | 304 | 287 | 297 | 294 | 291 | 288 | 286 | 282 | 272 | 267 | 233 | 71 | 68 | Upgrade |
Shares Change (YoY) | 3.47% | 10.11% | 3.90% | 4.74% | 2.43% | 5.19% | 3.10% | 4.44% | -0.43% | 4.05% | 4.32% | 7.09% | 7.91% | 22.43% | 297.64% | 298.03% | 34.01% | 391.85% | 47.26% | - | Upgrade |
EPS (Basic) | 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 | -0.18 | -1.23 | -0.38 | -0.06 | Upgrade |
EPS (Diluted) | 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 | -0.15 | -1.23 | -0.38 | -0.47 | Upgrade |
Free Cash Flow | 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 | -50.55 | -6.47 | Upgrade |
Free Cash Flow Growth | -22.91% | -2.66% | 653.67% | 142.08% | 61.15% | - | - | 214.42% | - | - | - | -94.25% | - | - | - | - | - | - | - | - | Upgrade |
Free Cash Flow Per Share | 0.08 | 0.46 | 0.85 | 0.48 | 0.10 | 0.52 | 0.12 | 0.21 | 0.07 | -0.29 | -0.21 | 0.07 | -0.30 | -0.17 | -1.64 | 1.28 | -0.10 | -0.55 | -0.71 | -0.09 | Upgrade |
Profit Margin | 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% | -59.04% | -206.08% | -14.81% | -2.40% | Upgrade |
FCF Margin | 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% | -13.27% | -92.33% | -28.13% | -3.94% | Upgrade |
EBITDA | 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 | 1.34 | 7.94 | Upgrade |
EBITDA Margin | 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% | -0.21% | -2.96% | 0.74% | 4.84% | Upgrade |
Effective Tax Rate | 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% | 1.94% | 0.02% | -0.29% | -2.52% | Upgrade |
Updated Jun 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.