Affirm Holdings Financial Statements 2022-2026

Affirm Holdings +

Affirm Holdings

Income Statement
Balance Sheet
Cashflow Statement
Profitability
Ratios

Waterfall
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Segments

	FY22 Jun 30, 2022	FY23 Jun 30, 2023	FY24 Jun 30, 2024	FY25 Jun 30, 2025	FY26 Jun 30, 2026	TTM Trailing 12M
Revenue Total sales generated.	$1.35 B	$1.59 B	$2.32 B	$3.22 B	$1.15 B	$4.18 B
Cost of Revenue Direct cost of goods/services.	$576.46 M	$873.16 M	$845.11 M	$1.05 B	-	$1.33 B
Gross Profit Revenue minus cost of revenue.	$772.84 M	$714.82 M	$1.48 B	$2.18 B	-	$2.85 B
Operating Expense Costs to run business.	$1.57 B	$1.70 B	$2.09 B	$2.26 B	$3.84 B	$2.20 B
Research and Development Investment in innovation.	$418.64 M	$615.82 M	$501.86 M	-	-	-
Sales, General and Administrative Selling and admin costs.	$1.11 B	$1.22 B	$1.10 B	$979.90 M	$920.84 M	$920.84 M
General and Administrative Corporate overhead costs.	$577.49 M	$586.40 M	$525.29 M	$545.05 M	$578.31 M	$578.31 M
Sales and Marketing Customer acquisition costs.	$532.34 M	$638.28 M	$576.41 M	$434.85 M	$342.53 M	$342.53 M
Other Expenses Other operating costs.	$459.35 M	$211.62 M	$490.19 M	$1.28 B	$2.92 B	$1.28 B
Operating Income Profit from operations.	-$796.35 M	-$1.20 B	-$615.85 M	-$87.27 M	$416.98 M	$648.76 M
Net Interest Income Interest income minus expense.	-$69.69 M	-$183.01 M	-$344.25 M	-$425.45 M	-	$113.21 M
Interest Income Income from investments.	-	-	-	-	$2.05 B	$567.28 M
Interest Expense Cost of borrowing.	$69.69 M	$183.01 M	$344.25 M	$425.45 M	-	$454.07 M
Non-Operating Income (ex-Int) Income outside core operations.	-$210.91 M	-$394.63 M	-$444.57 M	-$574.19 M	-	-$298.04 M
Total Other Income (Net) Net non-operating items.	$141.22 M	$211.62 M	$100.32 M	$148.74 M	$75.75 M	-$156.03 M
Income Before Tax Profit before taxes.	-$724.83 M	-$989.25 M	-$515.53 M	$61.46 M	$492.73 M	$492.73 M
Income Tax Expense Taxes on income.	-$17.41 M	-$3.90 M	$2.23 M	$9.28 M	-$1.44 B	-$1.44 B
Net Income Final profit.	-$707.42 M	-$985.35 M	-$517.76 M	$52.19 M	$1.93 B	$1.93 B
Net Income From Continuing Operations Profit from core business.	-$707.42 M	-$985.35 M	-$517.76 M	$52.19 M	$1.93 B	$1.93 B
Net Income From Discontinued Operations Profit/loss from sold units.	-	-	-	-	-	-
Other Adjustments to Net Income Additional accounting adjustments.	-	-	-	-	-	-
Net Income Deductions Reductions from net income.	-	-	-	-	-	-

Earnings Per Share Company profit allocated to each outstanding share.
EPS Earnings per share. Formula: Net Income ÷ Shares	-$2.51	-$3.34	-$1.67	$0.16	$5.76	$5.71
Diluted EPS EPS including dilution. Formula: Net Income ÷ Diluted Shares	-$2.51	-$3.34	-$1.67	$0.15	$5.53	$5.52
Shares for EPS Number of shares used to calculate EPS.
Weighted Average Shares Outst. Avg shares used for EPS.	281.70 M	295.34 M	309.86 M	322.85 M	335.16 M	339.06 M
Diluted Average Shares Outst. Shares including dilution.	281.70 M	295.34 M	309.86 M	341.02 M	348.85 M	349.73 M
Supplemental Items
EBIT Earnings before interest and tax.	-$655.14 M	-$806.23 M	-$171.27 M	$486.92 M	-	$946.80 M
EBITDA Earnings before interest, tax, D&A.	-$602.42 M	-$671.60 M	-	$711.99 M	$416.98 M	$1.25 B
Depreciation and Amortization Non-cash expense for assets.	$52.72 M	$134.63 M	$169.04 M	$225.08 M	-	$303.33 M
Company Report

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Waterfall

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Data sources and methodology

Last updated	Jun 30, 2026
Latest financial periods ended	Quarterly: Q4 FY2026 (June 30, 2026) Annual: FY 2026 (June 30, 2026)
Data provided by	Financial Modeling Prep
Original source	Company Forms 10-Q and 10-K filed with the SEC
Methodology	Company-reported financial statements and calculated financial ratios
Limitations	Historical values may change because of company restatements, reclassifications, or provider updates
Links	View source filings

Frequently Asked Questions

What is Affirm Holdings's revenue?

In fiscal year 2026, Affirm Holdings generated a total revenue of $1.15 Billion.

What is Affirm Holdings's net income and net income margin?

In fiscal year 2026, Affirm Holdings earned a net income of $1.93 Billion, with a net income margin of 48.87%.

What is Affirm Holdings's gross profit and gross profit margin?

In fiscal year 2026, Affirm Holdings's gross profit was -, with a gross profit margin of 69.10%.

What is Affirm Holdings's operating profit and operating profit margin?

In fiscal year 2026, Affirm Holdings's operating profit was $416.98 Million, with an operating profit margin of 22.05%.

What is Affirm Holdings's EBITDA?

In fiscal year 2026, Affirm Holdings's EBITDA was $416.98 Million.

What is Affirm Holdings's free cash flow?

In fiscal year 2026, Affirm Holdings's free cash flow was $992.63 Million.

What are Affirm Holdings's total asset and total liability?

In fiscal year 2026, Affirm Holdings's total asset was $15.79 Billion, while its total liability was $10.31 Billion.

What are Affirm Holdings's capital expenditure (capex) and operating expense (opex)?

In fiscal year 2026, Affirm Holdings's capital expenditure (capex) was -$238.35 Million, while its operating expense (opex) was $3.84 Billion.

What is Affirm Holdings's Return on Equity (ROE)?

In fiscal year 2026, Affirm Holdings's Return on Equity (ROE) was 35.19%.

What was Affirm Holdings's income tax expense, and what is its effective tax rate?

In fiscal year 2026, Affirm Holdings's income tax expense amounted to -$1.44 Billion, with an effective tax rate of -291.66%.

What is Affirm Holdings's Market cap?

As of , Affirm Holdings's market cap is .

What is Affirm Holdings's Enterprise value?

Affirm Holdings's enterprise value reached $26.83 Billion, according to its recent quarterly filing.

Affirm Holdings's Income Statement Analysis: Revenue to Profit Breakdown

Affirm Holdings's Income Statement Analysis: Revenue to Profit Breakdown

Affirm Holdings's Income Statement

Affirm Holdings's Assets vs Liabilities & Equity

Affirm Holdings's Balance Sheet

Affirm Holdings's Cash flow

Affirm Holdings's Profitability

Affirm Holdings's Ratios

Data sources and methodology

Frequently Asked Questions

What is Affirm Holdings's revenue?

What is Affirm Holdings's net income and net income margin?

What is Affirm Holdings's gross profit and gross profit margin?

What is Affirm Holdings's operating profit and operating profit margin?

What is Affirm Holdings's EBITDA?

What is Affirm Holdings's free cash flow?

What are Affirm Holdings's total asset and total liability?

What are Affirm Holdings's capital expenditure (capex) and operating expense (opex)?

What is Affirm Holdings's Return on Equity (ROE)?

What was Affirm Holdings's income tax expense, and what is its effective tax rate?

What is Affirm Holdings's Market cap?

What is Affirm Holdings's Enterprise value?

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Affirm Holdings's Income Statement Analysis: Revenue to Profit Breakdown

Affirm Holdings's Income Statement Analysis: Revenue to Profit Breakdown

Affirm Holdings's Income Statement

Affirm Holdings's Assets vs Liabilities & Equity

Affirm Holdings's Balance Sheet

Affirm Holdings's Cash flow

Affirm Holdings's Profitability

Affirm Holdings's Ratios

Data sources and methodology

Frequently Asked Questions

What is Affirm Holdings's revenue?

What is Affirm Holdings's net income and net income margin?

What is Affirm Holdings's gross profit and gross profit margin?

What is Affirm Holdings's operating profit and operating profit margin?

What is Affirm Holdings's EBITDA?

What is Affirm Holdings's free cash flow?

What are Affirm Holdings's total asset and total liability?

What are Affirm Holdings's capital expenditure (capex) and operating expense (opex)?

What is Affirm Holdings's Return on Equity (ROE)?

What was Affirm Holdings's income tax expense, and what is its effective tax rate?

What is Affirm Holdings's Market cap?

What is Affirm Holdings's Enterprise value?

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