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Affirm Holdings, Inc. (AFRM)
NASDAQ: AFRM · Real-Time Price · USD
69.66
-5.93 (-7.84%)
At close: Nov 5, 2026, 4:00 PM EST
64.05
-5.61 (-8.05%)
After-hours: Nov 5, 2026, 7:59 PM EST

Affirm Holdings Financials Overview

Millions USD. Fiscal year is Jul - Jun.

Revenue & Profits
Chart
Fiscal Quarter
Q1 2027Q4 2026Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022
Period EndingSep '26 Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
Revenue
1,2621,1661,0391,123933.34876.42783.14866.38698.48659.19576.16591.11496.55445.83380.98399.56361.62364.13354.76361.01
Revenue Growth
35.24%33.04%32.64%29.62%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%
Gross Profit
617.11589.06498.21542.5455.2425.07352.56419.4285.13309.4230.91241.78212.38182.08166.9144.19182.34184.35182.42183.56
Operating Income
187.05147.2688.43117.6363.6658.06-8.38-4.26-132.88-71.86-155.59-171.1-207.03-241.55-275.1-359.53-287.47-276.83-226.55-196.1
Net Income
164.171,617102.9129.5980.6969.242.880.36-100.22-45.14-133.94-166.9-171.78-205.96-205.68-322.44-251.27-186.4-54.67-159.74
Earnings Per Share
0.474.620.300.370.230.200.010.23-0.31-0.14-0.43-0.54-0.57-0.69-0.69-1.10-0.86-0.65-0.19-0.57
EPS Growth
102.85%2186.91%3529.31%59.33%----------------

Revenue by Segment
Chart
Fiscal Quarter
Q1 2027Q4 2026Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022
Period EndingSep '26 Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
Merchant Network
296.93302.38268.03328.38251.15239.45213.97244.9184.34181.01159.29188.36145.95141.42119.01134.02113.15118.13121.05127.09
Virtual Card
96.4985.1666.4773.0469.3367.1158.5758.1447.4842.9835.6839.2733.4834.0429.4729.1226.7131.5723.1726.56
Interest Income
658.13567.29532.45493.63454.12419.09402.7409.37377.06337.62315.71288.35262.68214.82178.27155.32136.8137.62134.6138.36
Gain on Sales of Loans
162.17165.07127.2185.23119.05116.8875.84125.2963.6169.9840.1852.734.2932.3332.8159.6163.655.2852.4857.69
Servicing Income
48.546.0744.6242.7539.6933.8832.0528.6925.9827.625.2922.4420.1623.2121.4121.4921.3721.5323.4611.32

Cash & Debt
Chart
Fiscal Quarter
Q1 2027Q4 2026Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022
Period EndingSep '26 Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
Cash & Investments
2,0721,7021,7691,5641,4781,3931,3601,2401,8951,0831,8551,7221,166989.251,1181,6221,8221,5562,2622,567
Total Debt
10,42110,0239,0919,1827,9587,8537,3587,4967,1206,6146,4136,2435,6825,4514,8165,0914,3744,1444,1584,071
Net Cash (Debt)
-8,349-8,321-7,322-7,617-6,481-6,460-5,998-6,256-5,225-5,532-4,557-4,521-4,516-4,462-3,698-3,468-2,552-2,588-1,896-1,504
Net Cash Growth
--------------------
Net Cash Per Share
-23.73-23.79-21.03-21.80-18.61-18.86-17.43-18.12-16.42-17.53-14.58-14.70-14.86-14.89-12.44-11.81-8.77-8.98-6.64-5.34

Cash Flow & CapEx
Chart
Fiscal Quarter
Q1 2027Q4 2026Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022
Period EndingSep '26 Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
Operating Cash Flow
207.08296.16386.5173.74374.5774.64210.39312.02196.8768.76208.1574.3298.943.79-54.28-28.5551.22-59.11-27.98-440.25
Capital Expenditures
-62.51-66.87-61.41-55.7-54.37-51.12-53.01-43.91-44.15-38.26-46.48-38.75-35.82-24.86-30.52-34.25-31.15-27.04-21.1-21.81
Free Cash Flow
144.57229.29325.1118.03320.2123.52157.38268.11152.7230.51161.6835.5763.0918.93-84.79-62.820.06-86.15-49.08-462.07
Free Cash Flow Growth
-54.85%875.00%106.57%-55.98%109.68%-22.91%-2.66%653.67%142.08%61.15%--214.42%----94.25%---

Margins
Chart
Fiscal Quarter
Q1 2027Q4 2026Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022
Period EndingSep '26 Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
Gross Margin
48.89%50.52%47.96%48.31%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%
Operating Margin
14.82%12.63%8.51%10.47%6.82%6.63%-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%
Pretax Margin
16.25%14.50%10.34%11.86%8.89%8.17%0.68%9.56%-14.08%-6.70%-23.09%-28.35%-34.39%-46.49%-54.21%-81.09%-69.53%-56.17%-15.34%-44.17%
Profit Margin
13.01%138.65%9.91%11.54%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%
FCF Margin
11.45%19.66%31.30%10.51%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%

Valuation
Chart
Fiscal Quarter
Q1 2027Q4 2026Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022
Period EndingSep '26 Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
PE Ratio
11.6014.1539.9187.02102.10427.41--------------
Forward PE
34.7521.7612.4122.7530.0131.8124.1640.3049.57-----------
P/FCF Ratio
28.5927.5119.4039.6830.9437.0723.7631.2033.3832.1140.94452.06--------
PS Ratio
5.096.413.846.616.886.924.816.835.034.025.427.753.702.852.201.903.763.8310.5625.17