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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 Income Statement

Millions USD. Fiscal year is Jul - Jun.
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
Operating Revenue
604.09598.68506.32629.39479.22457.33380.43457.01321.42321.57260.45302.76233.87231202.71244.24224.82226.51220.16222.66
Other Revenue
658.13567.29532.45493.63454.12419.09402.7409.37377.06337.62315.71288.35262.68214.82178.27155.32136.8137.62134.6138.36
Revenue
1,2621,1661,0391,123933.34876.42783.14866.38698.48659.19576.16591.11496.55445.83380.98399.56361.62364.13354.76361.01
Revenue Growth (YoY)
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%
Cost of Revenue
645.11576.9540.56580.52478.14451.34430.57446.98413.35349.79345.24349.33284.16263.75214.08255.37179.29179.79172.34177.45
Gross Profit
617.11589.06498.21542.5455.2425.07352.56419.4285.13309.4230.91241.78212.38182.08166.9144.19182.34184.35182.42183.56
Selling, General & Admin
227.4239.25218.16240.01223.43212.41208.33275.45283.72257.03261.67293.04286.45271.31280.21346.97324.85325.82298.68284.67
Research & Development
202.65202.55191.62184.87168.11154.6152.62148.21134.29124.23124.83119.83132.97152.32161.79156.75144.96135.35110.2994.99
Operating Expenses
430.05441.8409.78424.88391.54367.01360.95423.66418.01381.26386.5412.88419.41423.63442503.72469.81461.17408.97379.66
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
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)
1824.5221.6118.3220.5817.8216.3188.1818.4515.3428.619.5239.61-52.49104.5220.1337.1210.6836.892.72
EBT Excluding Unusual Items
205.05169.09107.38133.2481.5373.185.2682.92-115.2-57.32-127.84-152.45-168.32-294.84-171.58-324.01-251.45-264.75-190.66-193.39
Merger & Restructuring Charges
-------0.01-0.060.260.16-5.2-0.06-1.67-1.04-34.93---0.4--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
205.05169.09107.38133.2483.0271.585.3582.86-98.32-44.14-133.05-167.6-170.74-207.28-206.51-324.01-251.45-204.52-54.41-159.46
Income Tax Expense
40.89-1,4484.483.652.332.342.542.51.910.89-0.71.04-1.32-0.84-1.57-0.18-18.120.260.28
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
Net Income to Common
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
Net Income Growth (YoY)
103.44%2234.66%3569.76%61.26%----------------
Shares Outstanding (Basic)
341339337334330327324322318315313308304300297294291288286282
Shares Outstanding (Diluted)
352350348349348343344345318315313308304300297294291288286282
Shares Change (YoY)
1.01%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%
EPS (Basic)
0.484.770.310.390.240.210.010.25-0.31-0.14-0.43-0.54-0.57-0.69-0.69-1.10-0.86-0.65-0.19-0.57
EPS (Diluted)
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 (YoY)
102.85%2186.91%3529.31%59.33%----------------

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
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 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
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%
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%
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%
EBITDA
276.95237.66166.51197.98137.05130.036264.89-71.97.63-102.72-123.03-145.34-176.95-206.54-314.97-245.03-235.78-184.53-159.22
EBITDA Margin
21.94%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%
D&A For EBITDA
89.990.478.0880.3573.3971.9670.3869.1560.9879.4952.8748.0761.6964.668.5644.5642.4441.0542.0236.88
EBIT
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
EBIT 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%
Effective Tax Rate
19.94%-4.17%2.74%2.80%3.26%47.54%3.02%------------
Revenue as Reported
1,2621,1661,0391,123933.34876.42783.14866.38698.48659.19576.16591.11496.55445.83380.98399.56361.62364.13354.76361.01
SEC Filings: 10-K · 10-Q