Affirm Holdings, Inc. (AFRM)
NASDAQ: AFRM · Real-Time Price · USD
69.64
+2.62 (3.91%)
At close: Dec 3, 2025, 4:00 PM EST
69.50
-0.14 (-0.20%)
After-hours: Dec 3, 2025, 7:27 PM EST
Affirm Holdings Income Statement
Financials in millions USD. Fiscal year is July - June.
Millions USD. Fiscal year is Jul - Jun.
Fiscal Quarter | 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 | Q2 2021 | +5 Quarters |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | 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 | Dec '20 Dec 31, 2020 | +5 Quarters |
Operating Revenue | 479.22 | 457.33 | 380.43 | 457.01 | 321.42 | 321.57 | 260.45 | 302.76 | 233.87 | 231 | 202.71 | 244.24 | 224.82 | 226.51 | 220.16 | 222.66 | 152.08 | 157.99 | 136.14 | 130.18 | Upgrade |
Other Revenue | 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 | 94.53 | 73.86 | Upgrade |
| 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 | 204.04 | Upgrade | |
Revenue Growth (YoY) | 33.62% | 32.95% | 35.92% | 46.57% | 40.67% | 47.86% | 51.23% | 47.94% | 37.31% | 22.43% | 7.39% | 10.68% | 34.24% | 39.10% | 53.80% | 76.93% | 54.84% | 70.73% | 66.82% | 56.98% | Upgrade |
Cost of Revenue | 478.14 | 451.34 | 430.57 | 446.98 | 413.35 | 349.79 | 345.24 | 349.33 | 284.16 | 263.75 | 214.08 | 255.37 | 179.29 | 179.79 | 172.34 | 177.45 | 157.28 | 114.03 | 97.02 | 109.15 | Upgrade |
Gross Profit | 455.2 | 425.07 | 352.56 | 419.4 | 285.13 | 309.4 | 230.91 | 241.78 | 212.38 | 182.08 | 166.9 | 144.19 | 182.34 | 184.35 | 182.42 | 183.56 | 112.11 | 147.75 | 133.64 | 94.89 | Upgrade |
Selling, General & Admin | 223.43 | 213.21 | 208.33 | 275.45 | 283.72 | 257.03 | 261.67 | 293.04 | 286.45 | 271.31 | 280.21 | 346.97 | 324.85 | 325.82 | 298.68 | 284.67 | 200.06 | 176.93 | 238.18 | 80.03 | Upgrade |
Research & Development | 168.11 | 154.6 | 152.62 | 148.21 | 134.29 | 124.23 | 124.83 | 119.83 | 132.97 | 152.32 | 161.79 | 156.75 | 144.96 | 135.35 | 110.29 | 94.99 | 78.01 | 69.13 | 104.81 | 41.63 | Upgrade |
Operating Expenses | 391.54 | 367.81 | 360.95 | 423.66 | 418.01 | 381.26 | 386.5 | 412.88 | 419.41 | 423.63 | 442 | 503.72 | 469.81 | 461.17 | 408.97 | 379.66 | 278.08 | 246.06 | 342.99 | 121.66 | Upgrade |
Operating Income | 63.66 | 57.26 | -8.38 | -4.26 | -132.88 | -71.86 | -155.59 | -171.1 | -207.03 | -241.55 | -275.1 | -359.53 | -287.47 | -276.83 | -226.55 | -196.1 | -165.97 | -98.31 | -209.35 | -26.77 | Upgrade |
Interest Expense | -2.71 | -2.7 | -2.68 | -1 | -0.77 | -0.8 | -0.86 | -0.87 | -0.9 | -0.8 | -1 | -1.1 | -1.1 | - | -1 | - | - | - | - | - | Upgrade |
Interest & Investment Income | - | - | - | - | - | - | - | - | - | - | - | 16.5 | - | 1.4 | - | - | - | - | - | - | Upgrade |
Other Non Operating Income (Expenses) | 20.58 | 17.82 | 16.31 | 5.76 | 18.45 | 15.34 | 28.6 | 19.52 | 39.61 | -52.49 | 104.52 | 20.13 | 37.12 | 10.68 | 36.89 | 2.72 | -140.37 | 1.19 | 0.73 | 0.24 | Upgrade |
EBT Excluding Unusual Items | 81.53 | 72.38 | 5.26 | 0.5 | -115.2 | -57.32 | -127.84 | -152.45 | -168.32 | -294.84 | -171.58 | -324.01 | -251.45 | -264.75 | -190.66 | -193.39 | -306.34 | -97.12 | -208.62 | -26.53 | Upgrade |
Merger & Restructuring Charges | - | - | -0.01 | -0.06 | 0.26 | 0.16 | -5.2 | -0.06 | -1.67 | -1.04 | -34.93 | - | - | -0.4 | - | -0.1 | -0.1 | -4.4 | - | - | Upgrade |
Impairment of Goodwill | - | - | - | - | - | -1 | - | -1 | - | - | - | - | - | - | - | - | - | - | - | - | Upgrade |
Gain (Loss) on Sale of Investments | - | -1.6 | 0.1 | - | -3 | - | - | -14.1 | - | - | - | - | - | - | - | - | - | 1.6 | - | - | Upgrade |
Asset Writedown | - | 0.8 | - | - | - | -0.75 | - | - | -0.75 | -1.24 | - | - | - | - | - | - | - | -11.54 | - | - | Upgrade |
Other Unusual Items | 1.5 | - | - | 82.42 | 19.62 | 14.78 | - | - | - | 89.84 | - | - | - | 60.63 | 136.25 | 34.03 | - | -14.4 | -78.5 | - | Upgrade |
Pretax Income | 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 | -125.87 | -287.12 | -26.53 | Upgrade |
Income Tax Expense | 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 | 0.08 | Upgrade |
Net Income | 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 | -287.05 | -26.61 | Upgrade |
Net Income to Common | 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 | -287.05 | -26.61 | Upgrade |
Shares Outstanding (Basic) | 330 | 327 | 324 | 322 | 318 | 315 | 313 | 308 | 304 | 300 | 297 | 294 | 291 | 288 | 286 | 282 | 272 | 267 | 233 | 71 | Upgrade |
Shares Outstanding (Diluted) | 348 | 343 | 344 | 345 | 318 | 315 | 313 | 308 | 304 | 300 | 297 | 294 | 291 | 288 | 286 | 282 | 272 | 267 | 233 | 71 | Upgrade |
Shares Change (YoY) | 9.44% | 8.58% | 10.11% | 12.23% | 4.74% | 5.29% | 5.19% | 4.73% | 4.44% | 4.00% | 4.05% | 4.32% | 7.09% | 7.79% | 22.43% | 297.64% | 298.03% | 462.67% | 391.85% | 47.26% | Upgrade |
EPS (Basic) | 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 | -0.38 | Upgrade |
EPS (Diluted) | 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 | -0.38 | Upgrade |
Free Cash Flow | 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 | -50.55 | Upgrade |
Free Cash Flow Per Share | 0.92 | 0.07 | 0.46 | 0.78 | 0.48 | 0.10 | 0.52 | 0.12 | 0.21 | 0.06 | -0.28 | -0.21 | 0.07 | -0.30 | -0.17 | -1.64 | 1.28 | -0.10 | -0.55 | -0.71 | Upgrade |
Gross Margin | 48.77% | 48.50% | 45.02% | 48.41% | 40.82% | 46.94% | 40.08% | 40.90% | 42.77% | 40.84% | 43.81% | 36.09% | 50.42% | 50.63% | 51.42% | 50.84% | 41.62% | 56.44% | 57.94% | 46.51% | Upgrade |
Operating Margin | 6.82% | 6.53% | -1.07% | -0.49% | -19.02% | -10.90% | -27.00% | -28.95% | -41.69% | -54.18% | -72.21% | -89.98% | -79.49% | -76.02% | -63.86% | -54.32% | -61.61% | -37.55% | -90.76% | -13.12% | Upgrade |
Profit Margin | 8.65% | 7.90% | 0.36% | 9.28% | -14.35% | -6.85% | -23.25% | -28.23% | -34.60% | -46.20% | -53.99% | -80.70% | -69.48% | -51.19% | -15.41% | -44.25% | -113.82% | -47.15% | -124.45% | -13.04% | Upgrade |
Free Cash Flow Margin | 34.31% | 2.68% | 20.10% | 30.95% | 21.86% | 4.63% | 28.06% | 6.02% | 12.71% | 4.25% | -22.26% | -15.72% | 5.55% | -23.66% | -13.83% | -127.99% | 129.48% | -10.60% | -55.76% | -24.77% | Upgrade |
EBITDA | 137.05 | 129.23 | 62 | 64.89 | -71.9 | 7.63 | -102.72 | -123.03 | -145.34 | -176.95 | -206.54 | -314.97 | -245.03 | -235.78 | -184.53 | -159.22 | -136.46 | -64.02 | -188.13 | -11.18 | Upgrade |
EBITDA Margin | 14.68% | 14.74% | 7.92% | 7.49% | -10.29% | 1.16% | -17.83% | -20.81% | -29.27% | -39.69% | -54.21% | -78.83% | -67.76% | -64.75% | -52.02% | -44.10% | -50.66% | -24.45% | -81.56% | -5.48% | Upgrade |
D&A For EBITDA | 73.39 | 71.96 | 70.38 | 69.15 | 60.98 | 79.49 | 52.87 | 48.07 | 61.69 | 64.6 | 68.56 | 44.56 | 42.44 | 41.05 | 42.02 | 36.88 | 29.51 | 34.29 | 21.22 | 15.59 | Upgrade |
EBIT | 63.66 | 57.26 | -8.38 | -4.26 | -132.88 | -71.86 | -155.59 | -171.1 | -207.03 | -241.55 | -275.1 | -359.53 | -287.47 | -276.83 | -226.55 | -196.1 | -165.97 | -98.31 | -209.35 | -26.77 | Upgrade |
EBIT Margin | 6.82% | 6.53% | -1.07% | -0.49% | -19.02% | -10.90% | -27.00% | -28.95% | -41.69% | -54.18% | -72.21% | -89.98% | -79.49% | -76.02% | -63.86% | -54.32% | -61.61% | -37.55% | -90.76% | -13.12% | Upgrade |
Effective Tax Rate | 2.80% | 3.26% | 47.54% | 3.02% | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | Upgrade |
Revenue as Reported | 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 | 204.04 | Upgrade |
Advertising Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 9.1 | 13.9 | Upgrade |
Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.