AFRM · Affirm Holdings, Inc.
$76.46
-1.49 (-1.91%)
At close · Aug 26
Earnings today
Market Cap
$25.75B
Shares
334.90M
Income-statement, balance-sheet and cash-flow figures extracted from the company's SEC filings — 10-K annual and 10-Q quarterly reports — and standardised for comparison across periods.
Revenue
$3.22B
+38.8%
FY2025
Net Income
$52.19M
+110.1%
FY2025
Operating Margin
-2.71%
+23.8pp
FY2025
Diluted EPS
$0.15
+109%
FY2025
Operating Cash Flow
$793.91M
+76.4%
FY2025
Chart any reported metric, KPI or segment over time — the full statement history lives here
Search above to add metrics — fundamentals, product and segment revenue, company KPIs, valuation.
| Line Item | FY2026 (G) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|---|
| $4.18B – $4.21B | $3.97B | $3.22BG | $2.32B | $1.59B | $1.35B | $870.46M | $509.53M | $264.37M | |
| — | $1.9B | $1.61B | $1.2B | $685.22M | $527.88M | $326.42M | $186.73M | $119.4M | |
| — | $329.68M | $434.85M | $576.41M | $638.28M | $532.34M | $182.19M | $25.04M | $16.86M | |
| — | $564.32M | $545.05M | $525.29M | $586.4M | $577.49M | $383.75M | $121.23M | $88.9M | |
| — | $300K | $1.3M | $20.8M | $52.5M | $23.5M | $4.6M | $0 | — | |
| — | — | $225.08M | $169.04M | $134.63M | $52.72M | $19.98M | $9.44M | $5.27M | |
| — | $5.07M | — | $6.77M | $35.87M | $0 | $0 | — | — | |
| — | $3.64B | $3.31B | $2.94B | $2.79B | $2.22B | $1.25B | $617.32M | $391.81M | |
| — | $327.78M | -$87.27M | -$615.85M | -$1.2B | -$866.05M | -$383.67M | -$107.79M | -$127.44M | |
| — | — | -2.71% | -26.51% | -75.62% | -64.19% | -44.08% | -21.15% | -48.21% | |
| — | — | $137.8M | -$446.8M | -$1.07B | -$813.33M | -$363.69M | -$98.35M | -$122.18M | |
| — | $67.43M | $148.74M | $100.32M | $211.62M | $141.22M | -$59.7M | -$4.43M | $7.02M | |
| — | $395.21M | $61.46M | -$515.53M | -$989.25M | -$724.83M | -$443.37M | -$112.22M | -$120.42M | |
| — | $12.79M | $9.28M | $2.23M | -$3.9M | -$17.41M | -$2.34M | $376K | $36K | |
| — | $382.42M | $52.19M | -$517.76M | -$985.35M | -$707.42M | -$441.03M | -$112.6M | -$120.46M | |
| — | — | 1.62% | -22.29% | -62.05% | -52.43% | -50.67% | -22.1% | -45.56% | |
| — | — | — | — | — | -$707.42M | -$441.03M | -$125.8M | -$134.57M | |
| — | $403.33M | $58.68M | -$523.9M | -$993.62M | -$721.34M | -$433.95M | -$112.9M | -$120.46M | |
| USD/shares | — | — | $0.16 | -$1.67 | -$3.34 | -$2.51 | -$2.78 | -$2.63 | -$2.84 |
| USD/shares | — | — | $0.15 | -$1.67 | -$3.34 | -$2.51 | -$2.94 | -$2.63 | -$2.84 |
| shares | — | — | 322.85M | 309.86M | 295.34M | 281.7M | 158.37M | 47.86M | 47.35M |
| shares | — | — | 341.02M | 309.86M | 295.34M | 281.7M | 159.24M | 47.86M | 47.35M |
Italic rows are computed from reported lines — open a row's info icon for its formula. Values reflect the latest filing (restatements included); per-share figures on today's split basis. Click a value for its source filing.
TTM: trailing twelve months through the latest reported quarter — flows sum the last four quarters, balances take the latest. 3Y/5Y/10Y columns are trailing CAGR from the newest fiscal year; blank where an endpoint is missing or negative. (G): the company's own guidance — a (G) column is a guided period not yet reported; a G marker shows how the reported figure landed against the guided range. Non-GAAP-basis guidance (*) is shown as stated and never judged against GAAP actuals.
Capital Returned to Shareholders
Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2019–FY2025: $272.48M in buybacks.
Price & Valuation
Multiples computed on the strict TTM/EV methodology — today's snapshot against peers, and each ratio recomputed as of past filing dates.
Valuation
EV/Revenue
8.28×
Peer median 2.94×
EV/EBIT
100.36×
P/E (TTM)
68.64×
Peer median 13.32×
Peer medians compare against the 15 similar-size Credit Services companies (of 43 listed).
Valuation over time computed as of each quarter's filing date
Revenue Breakdown
Annual revenue as the company disaggregates it in its own XBRL filings. Years a component wasn't reported show a dash.
Share mode is each component's slice of the reported components that year — issuers rarely tag every revenue dollar, so slices need not sum to total revenue.
By Geography (USD)
| Component | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| United States | $3,105,121,000 | $2,225,605,000 | $1,540,044,000 | $1,304,304,000 | $857,222,000 | $506,212,000 | $264,367,000 |
| Canada | $119,009,000 | $97,394,000 | $47,423,000 | $44,852,000 | $13,242,000 | $3,316,000 | $0 |
| Other Geographical | $282,000 | $0 | $518,000 | $136,000 | $0 | $0 | — |
By Product & Service (USD)
| Component | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| Merchant Network | $882,658,000 | $674,607,000 | $507,600,000 | $458,511,000 | $379,551,000 | $256,752,000 | $132,363,000 |
| Virtual Card Network | $231,308,000 | $151,401,000 | $119,338,000 | $100,696,000 | $49,851,000 | $19,340,000 | $7,911,000 |
Key facts
CIK
1820953
CUSIP
00827B106
13F (30d)
512 filings
511 filers
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