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Affirm Holdings, Inc. (AFRM)
NASDAQ: AFRM · Real-Time Price · USD
74.45
-3.31 (-4.26%)
At close: Aug 31, 2026, 4:00 PM EDT
74.37
-0.08 (-0.11%)
After-hours: Aug 31, 2026, 7:59 PM EDT

Affirm Holdings Financials Overview

Millions USD. Fiscal year is Jul - Jun.

Revenue & Profits
Chart
Fiscal QuarterQ4 2026Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022
Period EndingJun '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
Revenue
1,1661,0391,123933.34876.42783.14866.38698.48659.19576.16591.11496.55445.83380.98399.56361.62364.13354.76361.01269.39
Revenue Growth
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%
Gross Profit
589.06498.21542.5455.2425.07352.56419.4285.13309.4230.91241.78212.38182.08166.9144.19182.34184.35182.42183.56112.11
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
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
Earnings Per Share
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
2186.91%3529.31%59.33%-----------------

Revenue by Segment
Chart
Fiscal QuarterQ4 2026Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022
Period EndingJun '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
Merchant Network
302.38268.03328.38251.15239.45213.97244.9184.34181.01159.29188.36145.95141.42119.01134.02113.15118.13121.05127.0992.24
Virtual Card
85.1666.4773.0469.3367.1158.5758.1447.4842.9835.6839.2733.4834.0429.4729.1226.7131.5723.1726.5619.4
Interest Income
567.29532.45493.63454.12419.09402.7409.37377.06337.62315.71288.35262.68214.82178.27155.32136.8137.62134.6138.36117.3
Gain on Sales of Loans
165.07127.2185.23119.05116.8875.84125.2963.6169.9840.1852.734.2932.3332.8159.6163.655.2852.4857.6930.98
Servicing Income
46.0744.6242.7539.6933.8832.0528.6925.9827.625.2922.4420.1623.2121.4121.4921.3721.5323.4611.329.47

Cash & Debt
Chart
Fiscal QuarterQ4 2026Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022
Period EndingJun '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
Cash & Investments
1,7021,7691,5641,4781,3931,3601,2401,8951,0831,8551,7221,166989.251,1181,6221,8221,5562,2622,5671,440
Total Debt
10,0239,0919,1827,9587,8537,3587,4967,1206,6146,4136,2435,6825,4514,8165,0914,3744,1444,1584,0712,219
Net Cash (Debt)
-8,321-7,322-7,617-6,481-6,460-5,998-6,256-5,225-5,532-4,557-4,521-4,516-4,462-3,698-3,468-2,552-2,588-1,896-1,504-779.75
Net Cash Growth
--------------------
Net Cash Per Share
-23.79-21.03-21.80-18.61-18.86-17.43-18.12-16.42-17.53-14.58-14.70-14.86-14.89-12.44-11.81-8.77-8.98-6.64-5.34-2.87

Cash Flow & CapEx
Chart
Fiscal QuarterQ4 2026Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022
Period EndingJun '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 Cash Flow
296.16386.5173.74374.5774.64210.39312.02196.8768.76208.1574.3298.943.79-54.28-28.5551.22-59.11-27.98-440.25365.15
Capital Expenditures
-66.87-61.41-55.7-54.37-51.12-53.01-43.91-44.15-38.26-46.48-38.75-35.82-24.86-30.52-34.25-31.15-27.04-21.1-21.81-16.35
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 Growth
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 QuarterQ4 2026Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022
Period EndingJun '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
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%
Pretax Margin
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%-113.76%
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%
FCF 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%

Valuation
Chart
Fiscal QuarterQ4 2026Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022
Period EndingJun '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
PE Ratio
14.1539.9187.02102.10427.41---------------
Forward PE
21.7612.4122.7530.0131.8124.1640.3049.57------------
P/FCF Ratio
27.5119.4039.6830.9437.0723.7631.2033.3832.1140.94452.06--------228.26
PS Ratio
6.413.846.616.886.924.816.835.034.025.427.753.702.852.201.903.763.8310.5625.1733.53