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 Cash Flow 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 | +1 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 | +1 Quarters |
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 |
Depreciation & Amortization | 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 |
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 |
Stock-Based Compensation | 65.5 | 75.61 | 86.1 | 94.23 | 64.91 | 77.08 | 90.16 | 112.36 | 103.34 | 106.79 | 121.78 | 119.81 | 110.87 | 98.39 | 88.54 | 93.19 | 100.14 | 179.64 | 6.52 | 6.2 | Upgrade |
Net Change in Loans Held-for-Sale | -0.02 | 0.04 | -0.02 | 0.04 | -27.29 | 9.39 | 11.4 | 5.89 | 46.63 | 13.54 | 52.3 | 52.63 | 29.78 | 5.84 | 1.96 | -8.21 | -4.78 | -8.88 | -24.29 | -7.95 | Upgrade |
Other Adjustments | -70.01 | -26.81 | -98.49 | 23.68 | -23.77 | 58.21 | 80.84 | 53.54 | 43.91 | -28.56 | 52.59 | 51.11 | -88.02 | -104.56 | -37.02 | 112.91 | -43.24 | 75.17 | -13.01 | -46.03 | Upgrade |
Changes in Accrued Interest and Accounts Receivable | -208.85 | -19.88 | 102.66 | 41.12 | -61.99 | 10.72 | -74.28 | -42.21 | -65.91 | 61.63 | -56.77 | -6.65 | -20.23 | 5.65 | -36.04 | -12.08 | -16.47 | 2.62 | -19.26 | 10.18 | Upgrade |
Changes in Accounts Payable | 41.76 | -9.57 | -6.94 | 16.54 | 5.8 | -24.58 | 32.46 | -1.26 | -1.42 | 0.48 | -5.56 | 1.46 | -15.91 | 3.4 | -380.27 | 368.1 | 28.16 | -3.8 | 1.75 | 6.11 | Upgrade |
Changes in Accrued Expenses | -27.36 | -0.82 | 4.54 | -22.91 | -9.68 | -6.32 | -13.66 | -14.37 | 7.01 | -32.76 | -6.65 | 2.15 | 42.41 | 20.05 | 20.03 | -11.3 | -10.12 | 40.03 | 26.64 | 64.47 | Upgrade |
Changes in Other Operating Activities | 40.52 | 29.18 | -15.38 | -14.44 | 2.96 | 94.95 | -3.97 | 43.08 | -1.51 | -72.76 | 25.84 | 16.43 | -7.62 | -72.96 | 20.39 | 66.47 | 13.22 | -115.81 | -13.26 | -68.21 | Upgrade |
Operating Cash Flow | 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 | -123.26 | -47.66 | -2.3 | Upgrade |
Operating Cash Flow Growth | 8.54% | 1.07% | 319.82% | 99.05% | 57.03% | - | - | 93.11% | - | - | - | -85.97% | - | - | - | - | - | - | - | - | Upgrade |
Net Change in Loans Held-for-Investment | -362.19 | 170.58 | -501.08 | -625 | -219.82 | -242.66 | -674.66 | -145.58 | -646.47 | -125.18 | -992.26 | -211.39 | -10.46 | -22.45 | -142.63 | -166.32 | 214.67 | -177.27 | -432.43 | -353.59 | Upgrade |
Net Change in Securities and Investments | -38.9 | -104.89 | 456.73 | 78.95 | -279.77 | 141.93 | 123.23 | 165.48 | -106.18 | -131 | 332.66 | 359.86 | -952.15 | -125.6 | -9.93 | -442.67 | - | - | - | - | Upgrade |
Payments for Business Acquisitions | - | - | - | - | - | - | - | - | - | -16.05 | - | - | - | - | - | -6 | -117.66 | 8.85 | -113.63 | - | Upgrade |
Capital Expenditures | -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 | -5.35 | -2.89 | -4.17 | Upgrade |
Purchases of Intangible Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -25.9 | - | - | Upgrade |
Other Investing Activities | 62.69 | 22.84 | -0.81 | 15.2 | 35.21 | 0.46 | -34.73 | 0.06 | 1.33 | 1.79 | 1.64 | -0.05 | -10.66 | 3.1 | -15.7 | 1.83 | -30.73 | - | - | - | Upgrade |
Investing Cash Flow | -454.51 | 35.52 | -89.07 | -575 | -537.63 | -146.76 | -624.9 | -15.86 | -777.17 | -300.96 | -692.21 | 117.27 | -1,026 | -166.05 | -190.06 | -629.51 | 84.35 | -199.67 | -548.95 | -357.76 | Upgrade |
Long-Term Debt Issued | 7,900 | 7,131 | 5,624 | 3,939 | 4,563 | 2,885 | 3,895 | 3,646 | 2,246 | 2,181 | 2,174 | 1,444 | 1,825 | 1,278 | 2,520 | 1,182 | 528 | 1,380 | 1,138 | 1,292 | Upgrade |
Long-Term Debt Repaid | -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 | -928.98 | -675.27 | -1,085 | -709.56 | -905.33 | Upgrade |
Net Long-Term Debt Issued (Repaid) | 445.18 | -153.35 | 472.39 | 529.56 | 188.26 | 186.3 | 529.74 | 192.2 | 618.08 | -98.82 | 677.94 | 233.37 | -11.22 | 101.86 | 1,819 | 252.91 | -147.27 | 294.99 | 428.11 | 386.84 | Upgrade |
Issuance of Common Stock | 10.78 | 10.53 | 35.79 | 3.6 | 6.8 | 1.15 | 21.56 | 3.61 | 6.86 | 0.66 | 7.23 | 1.01 | 6.17 | 8.17 | 22.1 | 37.47 | 3.1 | 1,326 | 21.68 | 1.74 | Upgrade |
Repurchase of Common Stock | -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 | -39.82 | -30.73 | -127.57 | -0.2 | -0.58 | Upgrade |
Net Common Stock Issued (Repurchased) | -51.45 | -72.52 | -309.54 | -59.61 | -34.18 | -71.36 | -17.6 | -32.9 | -3.5 | -17.51 | -10.78 | -26.41 | -12.06 | -46.07 | -50.86 | -2.35 | -27.63 | 1,198 | 21.48 | 1.16 | Upgrade |
Issuance of Preferred Stock | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 0.11 | 434.43 | Upgrade |
Repurchase of Preferred Stock | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -0.01 | - | - | Upgrade |
Net Preferred Stock Issued (Repurchased) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -0.01 | 0.11 | 434.43 | Upgrade |
Other Financing Activities | -6.47 | -19.69 | -18.75 | -4.32 | -8.11 | -2.91 | -5.79 | -10.49 | -5.04 | -12.63 | 2.65 | -7.42 | -5.6 | -0 | -1.54 | -6.61 | -1.23 | -4.48 | -2.17 | -4.62 | Upgrade |
Financing Cash Flow | 387.26 | -245.56 | 144.1 | 465.63 | 145.97 | 112.03 | 506.35 | 148.81 | 609.55 | -128.96 | 669.81 | 199.54 | -28.88 | 55.79 | 1,766 | 243.95 | -176.13 | 1,489 | 447.52 | 817.81 | Upgrade |
Effect of Exchange Rate Changes on Cash and Cash Equivalents | 13.08 | -1.55 | -14.51 | 1.73 | -1.39 | -1.71 | 3.72 | -3.3 | 2.29 | 0.89 | 2.2 | -5.3 | -11.05 | -1 | 3.05 | 3.59 | -2.67 | 4.51 | - | - | Upgrade |
Net Cash Flow | 20.46 | -1.2 | 352.54 | 89.22 | -324.29 | 171.71 | -40.51 | 228.55 | -121.55 | -483.3 | -48.75 | 362.73 | -1,125 | -139.24 | 1,139 | -16.82 | -114.37 | 1,170 | -149.08 | 457.75 | Upgrade |
Beginning Cash & Cash Equivalents | 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 | 1,807 | 636.79 | 785.87 | 328.13 | Upgrade |
Ending Cash & Cash Equivalents | 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 | 1,807 | 636.79 | 785.87 | 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 |
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 |
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 |
Levered Free Cash Flow | 316.61 | -192.06 | 599.73 | 404.69 | 86.56 | 80.79 | 262.09 | -16.19 | 347.42 | -341.82 | 281.79 | -34.35 | -223.05 | -13.17 | 1,250 | 340.18 | -264.18 | -78.49 | 395.82 | 399.21 | Upgrade |
Unlevered Free Cash Flow | -197.82 | -41.51 | 46.98 | -24.64 | -56.57 | 28.43 | -100.75 | -36.61 | -64.7 | -37.32 | -73.71 | -16.46 | -25.43 | -60.36 | -408.45 | 393.88 | 6.51 | -86.43 | -5.68 | 16.32 | Upgrade |
Updated Jun 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.