20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.
Affirm Holdings Inc (AFRM) operates in the CREDIT SERVICES industry and is headquartered in San Francisco, United States with about 2,358 employees. Its market capitalization is roughly $24 billion. In the fiscal year ended 2026-06-30, AFRM reported $4.3B in revenue and $1.9B in net income.
Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. Its platform offers pay-over-time solutions at checkout for both consumers and merchants.
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| Income statement | TTM → 2026-06-30 | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 | 2020-06-30 | 2019-06-30 |
|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $4.3B | $4.3B | $3.2B | $2.3B | $1.6B | $1.3B | $870M | $510M | $264M |
| Gross Profit | $2.9B | $2.9B | $2.2B | $1.5B | $715M | $773M | $548M | $337M | $156M |
| Gross Margin % | 68.1% | 68.1% | 67.5% | 63.6% | 45.0% | 57.3% | 62.9% | 66.2% | 58.9% |
| Operating Income (EBIT) | $650M | — | ($87M) | ($616M) | ($1.2B) | ($866M) | ($384M) | ($108M) | ($102M) |
| Operating Margin % | 15.2% | — | -2.7% | -26.5% | -75.6% | -64.2% | -44.1% | -21.1% | -38.4% |
| Net Income | $1.9B | $1.9B | $52M | ($518M) | ($985M) | ($707M) | ($441M) | ($113M) | ($120M) |
| Net Margin % | 45.3% | 45.3% | 1.6% | -22.3% | -62.1% | -52.4% | -50.7% | -22.1% | -45.6% |
| EBITDA | — | — | $712M | ($2M) | ($672M) | ($602M) | ($371M) | ($70M) | ($89M) |
| Earnings Per Share (EPS) | $5.52 | — | $0.15 | $-1.67 | $-3.34 | $-2.51 | $-1.64 | $-0.44 | $-0.47 |
| Shares Outstanding (M) | — | — | 341M | 310M | 295M | 282M | 269M | 257M | 257M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly income statement | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $1.2B | $1.0B | $1.1B | $933M | $876M | $783M | $866M | $698M | $659M |
| Gross Profit | $804M | $685M | $780M | $631M | $593M | $512M | $602M | $469M | $446M |
| Gross Margin % | 69.0% | 65.9% | 69.4% | 67.7% | 67.7% | 65.4% | 69.5% | 67.2% | 67.6% |
| Operating Income (EBIT) | $266M | $202M | $118M | $64M | $58M | ($8M) | ($4M) | ($133M) | ($73M) |
| Operating Margin % | 22.8% | 19.5% | 10.5% | 6.8% | 6.6% | -1.1% | -0.5% | -19.0% | -11.1% |
| Net Income | $1.6B | $103M | $130M | $81M | $69M | $3M | $80M | ($100M) | ($45M) |
| Net Margin % | 138.7% | 9.9% | 11.5% | 8.6% | 7.9% | 0.4% | 9.3% | -14.3% | -6.9% |
| EBITDA | — | $296M | $321M | $258M | $241M | $172M | $246M | $53M | $117M |
| Earnings Per Share (EPS) | $4.62 | $0.30 | $0.37 | $0.23 | $0.20 | $0.01 | $0.23 | $-0.31 | $-0.14 |
| Shares Outstanding (M) | — | 348M | 349M | 348M | 343M | 344M | 345M | 318M | 315M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Cash flow | TTM → 2026-06-30 | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 | 2020-06-30 | 2019-06-30 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $1.2B | $1.2B | $794M | $450M | $12M | ($162M) | ($193M) | ($71M) | ($92M) |
| Capital Expenditures (CapEx) | $238M | $238M | $192M | $159M | $121M | $112M | $20M | $21M | $21M |
| Free Cash Flow (FCF) | $992M | $993M | $602M | $291M | ($109M) | ($274M) | ($213M) | ($92M) | ($114M) |
| FCF Margin % | 23.3% | 23.3% | 18.7% | 12.5% | -6.8% | -20.3% | -24.5% | -18.1% | -43.0% |
| Dividends Paid | — | — | — | — | $16M | — | $4.8B | $2.2B | $310M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly cash flow | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $296M | $387M | $174M | $375M | $75M | $210M | $312M | $197M | $69M |
| Capital Expenditures (CapEx) | $67M | $61M | $56M | $54M | $51M | $53M | $44M | $44M | $38M |
| Free Cash Flow (FCF) | $229M | $325M | $118M | $320M | $24M | $157M | $268M | $153M | $31M |
| FCF Margin % | 19.6% | 31.3% | 10.5% | 34.3% | 2.7% | 20.1% | 30.9% | 21.9% | 4.6% |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Balance sheet | 2026-06-30 | 2026-03-31 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 | 2021-06-30 | 2020-06-30 | 2019-06-30 |
|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $15.8B | $13.1B | $11.2B | $9.5B | $8.2B | $7.0B | $4.9B | $1.4B | $1.1B |
| Cash & Cash Equivalents | $1.6B | $2.5B | $1.4B | $1.0B | $892M | $1.3B | $1.5B | $267M | $320M |
| Total Liabilities | $10.3B | $9.4B | $8.1B | $6.8B | $5.6B | $4.4B | $2.3B | $1.8B | $1.4B |
| Total Debt (Short + Long-Term) | $10.0B | $9.1B | $8.0B | $6.6B | $3.8B | $4.1B | $2.0B | $966M | $1.1B |
| Total Shareholders' Equity | $5.5B | $3.8B | $3.1B | $2.7B | $2.5B | $2.6B | $2.6B | ($367M) | ($263M) |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive AFRM viewer.
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