Affirm Holdings, Inc. (AFRM)
NASDAQ: AFRM · Real-Time Price · USD
70.11
-2.29 (-3.16%)
At close: Jul 29, 2026, 4:00 PM EDT
70.32
+0.21 (0.30%)
Pre-market: Jul 30, 2026, 4:03 AM EDT
Affirm Holdings Financials Overview
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 |
Revenue Revenue Growth | 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 | 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% |
Net Income Net Income Growth | 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 | -123.42 |
Earnings Per Share EPS Growth | 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% | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| 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 |
Merchant Network Merchant Network Growth | 268.03 | 328.38 | 251.15 | 239.45 | 213.97 | 244.9 | 184.34 | 181.01 | 159.29 | 188.36 | 145.95 | 141.42 | 119.01 | 134.02 | 113.15 | 118.13 | 121.05 | 127.09 | 92.24 | 88.66 |
Virtual Card Virtual Card Growth | 66.47 | 73.04 | 69.33 | 67.11 | 58.57 | 58.14 | 47.48 | 42.98 | 35.68 | 39.27 | 33.48 | 34.04 | 29.47 | 29.12 | 26.71 | 31.57 | 23.17 | 26.56 | 19.4 | 19.26 |
Interest Income Interest Income Growth | 532.45 | 493.63 | 454.12 | 419.09 | 402.7 | 409.37 | 377.06 | 337.62 | 315.71 | 288.35 | 262.68 | 214.82 | 178.27 | 155.32 | 136.8 | 137.62 | 134.6 | 138.36 | 117.3 | 103.79 |
Gain on Sales of Loans Gain on Sales of Loans Growth | 127.2 | 185.23 | 119.05 | 116.88 | 75.84 | 125.29 | 63.61 | 69.98 | 40.18 | 52.7 | 34.29 | 32.33 | 32.81 | 59.61 | 63.6 | 55.28 | 52.48 | 57.69 | 30.98 | 42.58 |
Servicing Income Servicing Income Growth | 44.62 | 42.75 | 39.69 | 33.88 | 32.05 | 28.69 | 25.98 | 27.6 | 25.29 | 22.44 | 20.16 | 23.21 | 21.41 | 21.49 | 21.37 | 21.53 | 23.46 | 11.32 | 9.47 | 7.48 |
| 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 |
Cash & Equivalents Cash Growth | 2,474 | 2,095 | 2,098 | 1,756 | 1,736 | 1,737 | 1,385 | 1,295 | 1,620 | 1,448 | 1,488 | 1,260 | 1,381 | 1,865 | 1,914 | 1,551 | 2,676 | 2,815 | 1,676 | 1,693 |
Total Debt Total Debt Growth | 8,874 | 9,009 | 7,736 | 7,610 | 7,146 | 7,307 | 6,932 | 6,415 | 6,240 | 6,063 | 5,524 | 5,345 | 4,716 | 4,906 | 4,221 | 4,007 | 4,054 | 3,928 | 2,106 | 1,857 |
Net Cash (Debt) Net Cash Growth | -8,874 | -9,009 | -7,736 | -7,610 | -7,146 | -7,307 | -6,932 | -6,415 | -6,240 | -6,063 | -5,524 | -5,345 | -4,716 | -4,906 | -4,221 | -4,007 | -4,054 | -3,928 | -2,106 | -1,857 |
Net Cash Growth | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Net Cash Per Share Net Cash Per Share Growth | -25.49 | -25.79 | -22.21 | -22.21 | -20.76 | -21.17 | -21.78 | -20.33 | -19.96 | -19.62 | -18.18 | -17.84 | -15.87 | -16.70 | -14.51 | -13.91 | -14.19 | -13.95 | -7.75 | -6.95 |
| 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 |
Operating Cash Flow Operating Cash Flow Growth | 386.5 | 173.74 | 374.57 | 74.64 | 210.39 | 312.02 | 196.87 | 68.76 | 208.15 | 74.32 | 98.9 | 43.79 | -54.28 | -28.55 | 51.22 | -59.11 | -27.98 | -440.25 | 365.15 | -19.91 |
Capital Expenditures CapEx Growth | -61.41 | -55.7 | -54.37 | -51.12 | -53.01 | -43.91 | -44.15 | -38.26 | -46.48 | -38.75 | -35.82 | -24.86 | -30.52 | -34.25 | -31.15 | -27.04 | -21.1 | -21.81 | -16.35 | -7.84 |
Free Cash Flow Free Cash Flow Growth | 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% | - | - | - | - | - |
| 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 |
Pretax Margin | 14.37% | 16.39% | 12.21% | 11.41% | 0.99% | 11.96% | -20.97% | -9.28% | -34.03% | -42.96% | -47.21% | -63.80% | -56.29% | -113.83% | -81.55% | -59.33% | -12.23% | -48.70% | -630.39% | -58.63% |
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% | -57.49% |
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% |
| 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 |
PE Ratio | 41.65 | 91.89 | 109.08 | 460.93 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Forward PE | 12.41 | 22.75 | 30.01 | 31.81 | 24.16 | 40.30 | 49.57 | - | - | - | - | - | - | - | - | - | - | - | - | - |
P/FCF Ratio | 19.50 | 39.94 | 31.36 | 37.36 | 23.94 | 31.37 | 33.69 | 32.31 | 41.17 | 457.76 | - | - | - | - | - | - | - | - | 233.16 | - |
PS Ratio | 5.35 | 9.29 | 9.49 | 9.64 | 6.69 | 9.48 | 7.43 | 5.81 | 7.83 | 10.40 | 4.79 | 3.54 | 2.55 | 2.04 | 3.81 | 4.45 | 12.77 | 39.01 | 56.82 | 26.21 |