Latest Quarter
2025-12-31
Affirm Holdings Inc (AFRM)
Revenue
$1.1B
Net Income
$130M
Operating Margin
10.5%
Free Cash Flow
$602M
Debt / Assets
72.5%
Values are in USD and rounded to the nearest whole number unless noted.
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| Income Statement (Quarterly) | 2025-12-31 | 2025-09-30 | 2025-03-31 | 2024-12-31 |
|---|---|---|---|---|
| Revenue | 1,123,020,000 | 933,337,000 | 783,134,000 | 866,381,000 |
| Cost of Revenue | 343,453,000 | 301,913,000 | 271,018,000 | 264,173,000 |
| Gross Profit | 779,567,000 | 631,424,000 | 512,116,000 | 602,208,000 |
| Operating Expenses | ||||
| R&D Expenses | 0 | 0 | 0 | 0 |
| SG&A Expenses | 240,005,000 | 223,432,000 | 208,325,000 | 275,450,000 |
| Operating Expenses | 661,941,000 | 567,763,000 | 520,509,000 | 606,530,000 |
| Operating Income | 117,626,000 | 63,661,000 | -8,393,000 | -4,322,000 |
| Interest Expense | 111,717,000 | 110,027,000 | 107,631,000 | 107,762,000 |
| Income Before Tax | 133,238,000 | 83,019,000 | 5,345,000 | 82,859,000 |
| Income Tax Expense | 3,652,000 | 2,326,000 | 2,541,000 | 2,499,000 |
| Net Income | 129,586,000 | 80,694,000 | 2,804,000 | 80,360,000 |
| Per Share | ||||
| EPS | 0.39 | 0.24 | 0.01 | 0.25 |
| EPS Diluted | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Statement (Annual) | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|
| Revenue | 3,224,412,000 | 2,322,999,000 | 1,587,985,000 | 1,349,292,000 | 870,464,000 |
| Cost of Revenue | 1,047,572,000 | 845,106,000 | 873,161,000 | 576,457,000 | 329,849,000 |
| Gross Profit | 2,176,840,000 | 1,477,893,000 | 714,824,000 | 772,835,000 | 540,615,000 |
| Operating Expenses | |||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 979,900,000 | 1,101,696,000 | 1,224,678,000 | 1,109,836,000 | 554,530,000 |
| Operating Expenses | 2,264,113,000 | 2,093,740,000 | 1,696,803,000 | 1,569,189,000 | 867,108,000 |
| Operating Income | -87,273,000 | -615,847,000 | -1,200,862,000 | -796,354,000 | -379,193,000 |
| Interest Expense | 425,451,000 | 344,253,000 | 183,013,000 | -69,694,000 | 0 |
| Income Before Tax | 61,464,000 | -515,527,000 | -989,245,000 | -724,831,000 | -433,266,000 |
| Income Tax Expense | 9,279,000 | 2,230,000 | -3,900,000 | -17,414,000 | -2,343,000 |
| Net Income | 52,186,000 | -517,757,000 | -985,345,000 | -707,417,000 | -430,923,000 |
| Per Share | |||||
| EPS | 0.16 | -1.67 | -3.34 | -2.51 | -2.72 |
| EPS Diluted | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Balance Sheet (Quarterly) | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|
| Assets | ||||
| Cash and Cash Equivalents | 1,354,455,000 | 1,013,106,000 | 892,027,000 | 1,255,171,000 |
| Short Term Investments | 871,425,000 | 1,131,628,000 | 1,174,653,000 | 1,595,373,000 |
| Net Receivables | 7,058,554,000 | 5,732,250,000 | 4,397,592,000 | 2,492,891,000 |
| Inventory | 0 | 0 | 1 | -72,669,000 |
| Total Current Assets | 9,758,617,000 | 8,209,507,000 | 6,867,815,000 | 5,639,071,000 |
| Property Plant Equipment | 591,760,000 | 449,549,000 | 320,306,000 | 171,482,000 |
| Goodwill and Intangibles | 547,091,000 | 546,941,000 | 577,005,000 | 618,476,000 |
| Total Assets | 11,154,929,000 | 9,519,619,000 | 8,155,615,000 | 6,973,792,000 |
| Liabilities | ||||
| Account Payables | 82,820,000 | 41,019,000 | 28,602,000 | 33,072,000 |
| Short Term Debt | 0 | 0 | 218,741,000 | 16,445,000 |
| Total Current Liabilities | 180,098,000 | 124,959,000 | 146,071,000 | 277,329,000 |
| Long Term Debt | 7,853,306,000 | 6,614,348,000 | 5,451,006,000 | 4,078,208,000 |
| Total Liabilities | 8,085,920,000 | 6,787,630,000 | 5,621,432,000 | 4,355,537,000 |
| Shareholders Equity | ||||
| Retained Earnings | -3,056,818,000 | -3,109,004,000 | -2,591,247,000 | -1,605,902,000 |
| Total Shareholders Equity | 3,069,009,000 | 2,731,989,000 | 2,534,183,000 | 2,618,255,000 |
| Balance Sheet (Annual) | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|
| Assets | |||||
| Cash and Cash Equivalents | 1,354,455,000 | 1,013,106,000 | 892,027,000 | 1,255,171,000 | 1,466,558,000 |
| Short Term Investments | 871,425,000 | 1,131,628,000 | 1,174,653,000 | 1,595,373,000 | 0 |
| Net Receivables | 7,058,554,000 | 5,732,250,000 | 4,397,592,000 | 2,492,891,000 | 2,038,728,000 |
| Inventory | 0 | 0 | 1 | -72,669,000 | 0 |
| Total Current Assets | 9,758,617,000 | 8,209,507,000 | 6,867,815,000 | 5,639,071,000 | 3,876,737,000 |
| Property Plant Equipment | 591,760,000 | 449,549,000 | 320,306,000 | 171,482,000 | 120,327,000 |
| Goodwill and Intangibles | 547,091,000 | 546,941,000 | 577,005,000 | 618,476,000 | 584,445,000 |
| Total Assets | 11,154,929,000 | 9,519,619,000 | 8,155,615,000 | 6,973,792,000 | 4,866,967,000 |
| Liabilities | |||||
| Account Payables | 82,820,000 | 41,019,000 | 28,602,000 | 33,072,000 | 57,758,000 |
| Short Term Debt | 0 | 0 | 218,741,000 | 16,445,000 | 0 |
| Total Current Liabilities | 180,098,000 | 124,959,000 | 146,071,000 | 277,329,000 | 108,183,000 |
| Long Term Debt | 7,853,306,000 | 6,614,348,000 | 5,451,006,000 | 4,078,208,000 | 1,982,306,000 |
| Total Liabilities | 8,085,920,000 | 6,787,630,000 | 5,621,432,000 | 4,355,537,000 | 2,285,814,000 |
| Shareholders Equity | |||||
| Retained Earnings | -3,056,818,000 | -3,109,004,000 | -2,591,247,000 | -1,605,902,000 | -888,381,000 |
| Total Shareholders Equity | 3,069,009,000 | 2,731,989,000 | 2,534,183,000 | 2,618,255,000 | 2,581,153,000 |
| Cash Flow Statement (Quarterly) | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|
| Operating Activities | ||||
| Net Income | 52,186,000 | -517,757,000 | -985,345,000 | -707,417,000 |
| Depreciation & Amortization | 225,076,000 | 169,044,000 | 134,634,000 | 52,722,000 |
| Stock Based Compensation | 321,433,000 | 344,511,000 | 451,709,000 | 390,983,000 |
| Change in Working Capital | -49,827,000 | -62,352,000 | -134,975,000 | -9,659,000 |
| Operating Cash Flow | 793,909,000 | 450,138,000 | 12,181,000 | -113,800,000 |
| Investing Activities | ||||
| Capital Expenditure | -192,189,000 | -159,296,000 | -120,775,000 | -111,705,000 |
| Investments | -192,189,000 | -159,296,000 | -120,775,000 | -111,705,000 |
| Investing Cash Flow | -1,083,064,000 | -1,325,149,000 | -1,653,070,000 | -2,030,972,000 |
| Financing Activities | ||||
| Debt Repayment | 1,293,777,000 | 1,096,495,000 | -1,430,574,000 | -4,698,646,000 |
| Common Stock Issued/Repurchased | -250,000,000 | 0 | -58,186,000 | 73,828,000 |
| Dividends Paid | 0 | 0 | 0 | 0 |
| Financing Cash Flow | 751,425,000 | 913,149,000 | 1,349,945,000 | 1,997,598,000 |
| Summary | ||||
| Free Cash Flow | 601,720,000 | 290,842,000 | -108,594,000 | -225,505,000 |
| Net Change in Cash | 461,024,000 | 35,455,000 | -290,863,000 | -141,825,000 |
| Cash Flow Statement (Annual) | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 |
|---|---|---|---|---|---|
| Operating Activities | |||||
| Net Income | 52,186,000 | -517,757,000 | -985,345,000 | -707,417,000 | -430,923,000 |
| Depreciation & Amortization | 225,076,000 | 169,044,000 | 134,634,000 | 52,722,000 | 19,979,000 |
| Stock Based Compensation | 321,433,000 | 344,511,000 | 451,709,000 | 390,983,000 | 288,033,000 |
| Change in Working Capital | -49,827,000 | -62,352,000 | -134,975,000 | -9,659,000 | -53,748,000 |
| Operating Cash Flow | 793,909,000 | 450,138,000 | 12,181,000 | -113,800,000 | -193,130,000 |
| Investing Activities | |||||
| Capital Expenditure | -192,189,000 | -159,296,000 | -120,775,000 | -111,705,000 | -20,252,000 |
| Investments | -192,189,000 | -159,296,000 | -120,775,000 | -111,705,000 | -20,252,000 |
| Investing Cash Flow | -1,083,064,000 | -1,325,149,000 | -1,653,070,000 | -2,030,972,000 | -1,022,033,000 |
| Financing Activities | |||||
| Debt Repayment | 1,293,777,000 | 1,096,495,000 | -1,430,574,000 | -4,698,646,000 | -3,375,471,000 |
| Common Stock Issued/Repurchased | -250,000,000 | 0 | -58,186,000 | 73,828,000 | 1,304,363,000 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 |
| Financing Cash Flow | 751,425,000 | 913,149,000 | 1,349,945,000 | 1,997,598,000 | 2,577,830,000 |
| Summary | |||||
| Free Cash Flow | 601,720,000 | 290,842,000 | -108,594,000 | -225,505,000 | -213,382,000 |
| Net Change in Cash | 461,024,000 | 35,455,000 | -290,863,000 | -141,825,000 | 1,364,504,000 |