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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 Cash Flow Statement

Millions USD. Fiscal year is Jul - Jun.

Operating Activities

Fiscal Quarter
Q1 2027Q4 2026Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022
Period Ending
Sep '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
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
Depreciation & Amortization
89.990.478.0880.3573.3971.9670.3869.1560.9879.4952.8748.0761.6964.668.5644.5642.4441.0542.0236.88
Other Amortization
8.067.436.737.246.837.0910.316.916.085.666.137.225.537.3411.450.681.082.943.654.34
Loss (Gain) From Sale of Assets
-162.17-165.07-127.2-185.23-119.05-116.88-75.84-125.29-63.61-69.98-40.18-52.7-34.29-32.33-32.81-59.61-63.6-55.28-52.48-57.69
Asset Writedown & Restructuring Costs
0.4-0.44-1.022.02-0.111.690.832.951.671.621.27-1.55-3.36-4.62-10.02---101.43--
Loss (Gain) From Sale of Investments
-9.87-9.35-7.8-8.31-9.96-9.85-7.56-10.82-15.89.48-9.16-11-12.12-12.35-8.79-7.3-7.621.220.97-
Stock-Based Compensation
55.767.1873.8477.885.8565.575.6186.194.2364.9177.0890.16112.36103.34106.79121.78119.81110.8798.3988.54
Provision & Write-off of Bad Debts
259.36223.2196.54214.15162.75156.63147.25152.98159.82117.61122.44120.8899.794.4866.44106.6964.2572.6966.2952.64
Other Operating Activities
-12.82-1,490-53.97-31.92-30.52-9.68-12.34-35.1933.37-4.6847.4288.2550.0444.49-20.3477.9480.1126.8-94.12-31.3
Change in Accounts Receivable
-74.79-52.8735.5511.05138.86-208.85-19.88102.6641.12-61.9910.72-74.28-42.21-65.9161.63-56.77-6.65-20.235.65-36.04
Change in Accounts Payable
-1.425.062.36-0.79-24.841.76-9.57-6.9416.545.8-24.5832.46-1.26-1.420.48-5.561.46-15.913.4-380.27
Change in Other Net Operating Assets
-109.44-16.3980.48-122.2110.646.0228.4-10.86-37.31-34.0198.08-6.2934.5952.13-91.98124.1118.5864.58-53.3240.42
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
Operating Cash Flow Growth (YoY)
-44.72%296.81%83.71%-44.32%90.27%8.54%1.07%319.82%99.05%57.03%--93.11%----85.97%---

Investing Activities

Fiscal Quarter
Q1 2027Q4 2026Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022
Period Ending
Sep '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
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
Cash Acquisitions
---------------16.05-----
Sale (Purchase) of Intangibles
------------------25.42--
Investment in Securities
47.14-175.45-26.98142.3269.96-38.9-104.89456.7378.95-279.77141.93123.23165.48-106.18-131332.66359.86-952.15-125.6-9.93
Other Investing Activities
-1.49-0.4-0.120.080.06-2.3122.84-0.8115.20.210.46-34.730.060.331.791.64-0.05-10.663.1-15.7
Investing Cash Flow
-489.1-1,198149.44-1,365-139.61-454.5135.52-89.07-575-537.63-146.76-624.9-15.86-777.17-300.96-692.21117.27-1,026-166.05-190.06

Financing Activities

Fiscal Quarter
Q1 2027Q4 2026Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022
Period Ending
Sep '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
Long-Term Debt Issued
15,276---9,080---3,939---3,646---1,444---
Total Debt Issued
15,27610,72511,8089,2939,0807,9007,1315,6243,9394,5632,8853,8953,6462,2462,1812,1741,4441,8251,2782,520
Long-Term Debt Repaid
-14,809----8,943----3,409----3,454----1,210---
Total Debt Repaid
-14,809-9,797-11,921-8,033-8,943-7,455-7,284-5,152-3,409-4,374-2,699-3,366-3,454-1,628-2,280-1,496-1,210-1,836-1,177-701.05
Net Debt Issued (Repaid)
467.47928-113.061,259137.03445.18-153.35472.39529.56188.26186.3529.74192.2618.08-98.82677.94233.37-11.22101.861,819
Issuance of Common Stock
12.0816.2538.589.2794.8310.7810.5335.793.66.81.1521.563.616.860.667.231.016.178.1722.1
Repurchase of Common Stock
-44.7-74.01-57.97-80.93-112.31-62.23-83.04-345.34-63.21-40.98-72.51-39.16-36.52-10.36-18.17-18.01-27.42-18.24-54.24-72.96
Other Financing Activities
-15.67-4.59-20.18-1.23-9.47-6.47-19.69-18.75-4.32-8.11-2.91-5.79-10.49-5.04-12.632.65-7.42-5.6-0-1.54
Financing Cash Flow
419.18865.65-152.631,187110.09387.26-245.56144.1465.63145.97112.03506.35148.81609.55-128.96669.81199.54-28.8855.791,766

Net Cash Flow

Fiscal Quarter
Q1 2027Q4 2026Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022
Period Ending
Sep '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
Foreign Exchange Rate Adjustments
0.83-4.81-3.581.64-3.8613.08-1.55-14.511.73-1.39-1.713.72-3.32.290.892.2-5.3-11.05-13.05
Miscellaneous Cash Flow Adjustments
----00-0--------------
Net Cash Flow
137.99-41.26379.73-3.04341.1920.46-1.2352.5489.22-324.29171.71-40.51228.55-121.55-483.3-48.75362.73-1,125-139.241,139

Free Cash Flow

Fiscal Quarter
Q1 2027Q4 2026Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022
Period Ending
Sep '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
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 (YoY)
-54.85%875.00%106.57%-55.98%109.68%-22.91%-2.66%653.67%142.08%61.15%--214.42%----94.25%---
Free Cash Flow 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%
Free Cash Flow Per Share
0.410.660.930.340.920.070.460.780.480.100.520.120.210.06-0.28-0.210.07-0.30-0.17-1.64
Levered Free Cash Flow
515.9133.2346.05302.63-0.14-44.36202.4237.9120.0676.6583.46-93.73-68.161.7895.7-195.37-233.45133.27-153-475.24
Unlevered Free Cash Flow
507.84127.4840.98297.08-5.27-49.76193.7931.6314.4671.4977.87-100.4-73.13-5.0584.87-195.36-233.83130.34-156.02-479.57

Additional Metrics

Fiscal Quarter
Q1 2027Q4 2026Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022
Period Ending
Sep '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 Interest Paid
-111.95108.44102.54103.25101.59101.66101.6299.5189.7486.0577.5864.8758.2749.0233.0822.8217.211.1812.95
Cash Income Tax Paid
-2.831.550.481.750.31.320.660.450.60.020.260.310.430.170.070.140.120.020.01
Change in Working Capital
-185.64-44.2118.4-111.94124.7-161.07-1.0684.8720.35-90.2184.22-48.11-8.87-15.2-29.8761.7913.3928.43-44.27-375.88
SEC Filings: 10-K · 10-Q