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Affirm Holdings, Inc. (AFRM)
NASDAQ: AFRM · Real-Time Price · USD
71.21
+0.93 (1.32%)
At close: Sep 18, 2026, 4:00 PM EDT
71.20
-0.01 (-0.01%)
After-hours: Sep 18, 2026, 7:56 PM EDT

Affirm Holdings Income Statement

Millions USD. Fiscal year is Jul - Jun.
Fiscal Quarter
Q4 2026Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022
Period Ending
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 Sep '21
Operating Revenue
598.68506.32629.39479.22457.33380.43457.01321.42321.57260.45302.76233.87231202.71244.24224.82226.51220.16222.66152.08
Other Revenue
567.29532.45493.63454.12419.09402.7409.37377.06337.62315.71288.35262.68214.82178.27155.32136.8137.62134.6138.36117.3
Revenue
1,1661,0391,123933.34876.42783.14866.38698.48659.19576.16591.11496.55445.83380.98399.56361.62364.13354.76361.01269.39
Revenue Growth (YoY)
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%54.84%
Cost of Revenue
576.9540.56580.52478.14451.34430.57446.98413.35349.79345.24349.33284.16263.75214.08255.37179.29179.79172.34177.45157.28
Gross Profit
589.06498.21542.5455.2425.07352.56419.4285.13309.4230.91241.78212.38182.08166.9144.19182.34184.35182.42183.56112.11
Selling, General & Admin
239.25218.16240.01223.43212.41208.33275.45283.72257.03261.67293.04286.45271.31280.21346.97324.85325.82298.68284.67200.06
Research & Development
202.55191.62184.87168.11154.6152.62148.21134.29124.23124.83119.83132.97152.32161.79156.75144.96135.35110.2994.9978.01
Operating Expenses
441.8409.78424.88391.54367.01360.95423.66418.01381.26386.5412.88419.41423.63442503.72469.81461.17408.97379.66278.08
Operating Income
147.2688.43117.6363.6658.06-8.38-4.26-132.88-71.86-155.59-171.1-207.03-241.55-275.1-359.53-287.47-276.83-226.55-196.1-165.97
Interest Expense
-2.69-2.66-2.71-2.71-2.7-2.68-1-0.77-0.8-0.86-0.87-0.9-0.8-1-1.1-1.1--1--
Interest & Investment Income
--------------16.5-1.4---
Other Non Operating Income (Expenses)
24.5221.6118.3220.5817.8216.3188.1818.4515.3428.619.5239.61-52.49104.5220.1337.1210.6836.892.72-140.37
EBT Excluding Unusual Items
169.09107.38133.2481.5373.185.2682.92-115.2-57.32-127.84-152.45-168.32-294.84-171.58-324.01-251.45-264.75-190.66-193.39-306.34
Merger & Restructuring Charges
------0.01-0.060.260.16-5.2-0.06-1.67-1.04-34.93---0.4--0.1-0.1
Impairment of Goodwill
---------1--1---------
Gain (Loss) on Sale of Investments
-----1.60.1--3---14.1---------
Asset Writedown
---------0.75---0.75-1.24-------
Other Unusual Items
---1.5---19.6214.78---89.84---60.63136.2534.03-
Pretax Income
169.09107.38133.2483.0271.585.3582.86-98.32-44.14-133.05-167.6-170.74-207.28-206.51-324.01-251.45-204.52-54.41-159.46-306.44
Income Tax Expense
-1,4484.483.652.332.342.542.51.910.89-0.71.04-1.32-0.84-1.57-0.18-18.120.260.280.17
Net Income
1,617102.9129.5980.6969.242.880.36-100.22-45.14-133.94-166.9-171.78-205.96-205.68-322.44-251.27-186.4-54.67-159.74-306.62
Net Income to Common
1,617102.9129.5980.6969.242.880.36-100.22-45.14-133.94-166.9-171.78-205.96-205.68-322.44-251.27-186.4-54.67-159.74-306.62
Net Income Growth (YoY)
2234.66%3569.76%61.26%-----------------
Shares Outstanding (Basic)
339337334330327324322318315313308304300297294291288286282272
Shares Outstanding (Diluted)
350348349348343344345318315313308304300297294291288286282272
Shares Change (YoY)
2.09%1.13%1.21%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%
EPS (Basic)
4.770.310.390.240.210.010.25-0.31-0.14-0.43-0.54-0.57-0.69-0.69-1.10-0.86-0.65-0.19-0.57-1.13
EPS (Diluted)
4.620.300.370.230.200.010.23-0.31-0.14-0.43-0.54-0.57-0.69-0.69-1.10-0.86-0.65-0.19-0.57-1.13
EPS Growth (YoY)
2186.91%3529.31%59.33%-----------------

Additional Metrics

Fiscal Quarter
Q4 2026Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022
Period Ending
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 Sep '21
Free Cash Flow
229.29325.1118.03320.2123.52157.38268.11152.7230.51161.6835.5763.0918.93-84.79-62.820.06-86.15-49.08-462.07348.8
Free Cash Flow Per Share
0.660.930.340.920.070.460.780.480.100.520.120.210.06-0.28-0.210.07-0.30-0.17-1.641.28
Gross Margin
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%41.62%
Operating Margin
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%-61.61%
Profit Margin
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%-113.82%
Free Cash Flow Margin
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%129.48%
EBITDA
237.66166.51197.98137.05130.036264.89-71.97.63-102.72-123.03-145.34-176.95-206.54-314.97-245.03-235.78-184.53-159.22-136.46
EBITDA Margin
20.38%16.03%17.63%14.68%14.84%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%
D&A For EBITDA
90.478.0880.3573.3971.9670.3869.1560.9879.4952.8748.0761.6964.668.5644.5642.4441.0542.0236.8829.51
EBIT
147.2688.43117.6363.6658.06-8.38-4.26-132.88-71.86-155.59-171.1-207.03-241.55-275.1-359.53-287.47-276.83-226.55-196.1-165.97
EBIT Margin
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%-61.61%
Effective Tax Rate
-4.17%2.74%2.80%3.26%47.54%3.02%-------------
Revenue as Reported
1,1661,0391,123933.34876.42783.14866.38698.48659.19576.16591.11496.55445.83380.98399.56361.62364.13354.76361.01269.39
SEC Filings: 10-K · 10-Q