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Affirm Holdings, Inc.(AFRM)Earnings, Financials & Key Ratios
AFRM•NASDAQ
$65.58
$21.85B mkt cap·437.2× P/E·Price updated May 6, 2026
AboutAffirm Holdings, Inc. operates a platform for digital and mobile-first commerce in the United States and Canada. The company's platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. Its payments network and partnership with an originating bank, enables consumers to pay for a purchase over time with terms ranging from one to forty-eight months. As of June 30, 2021, the company had approximately 29,000 merchants integrated on its platform covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies. Its merchants represent a range of industries, including sporting goods and outdoors, furniture and homewares, travel, apparel, accessories, consumer electronics, and jewelry. The company was founded in 2012 and is headquartered in San Francisco, California.Show more
- Revenue$3.22B+38.8%
- EBITDA$138M+130.8%
- Net Income$52M+110.1%
- EPS (Diluted)0.15+109.0%
- Gross Margin67.51%+6.1%
- EBITDA Margin4.27%+122.2%
- Operating Margin-2.71%+89.8%
- Net Margin1.62%+107.3%
- ROE1.8%+109.1%
- ROIC-0.73%+87.8%
- Debt/Equity2.56+5.7%
- Interest Coverage1.14+330.0%
AFRM Key Insights
Affirm Holdings, Inc. (AFRM) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓FCF machine: 18.7% free cash flow margin
- ✓High quality earnings: Operating CF exceeds net income
- ✓Strong 5Y sales CAGR of 44.6%
✗Weaknesses
- ✗High debt to equity ratio of 2.6x
- ✗Shares diluted 10.1% in last year
- ✗Trading more than 30% below 52-week high
- ✗Low asset turnover indicates capital-intensive operations
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
AFRM Price & Volume
Affirm Holdings, Inc. (AFRM) stock price & volume — 10-year historical chart
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AFRM Growth Metrics
Affirm Holdings, Inc. (AFRM) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years44.63%
3 Years33.69%
TTM32.7%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM241.92%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM224.32%
Return on Capital
10 Years-9.87%
5 Years-10.29%
3 Years-8%
Last Year-0.86%
AFRM Recent Earnings
Affirm Holdings, Inc. (AFRM) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 11/12 qtrs (92%)
Q1 2026Latest
Feb 5, 2026EPS
$0.37
Est $0.28
+32.1%
Revenue
$1.1B
Est $1.1B
+6.4%
Q4 2025
Nov 6, 2025EPS
$0.23
Est $0.11
+105.2%
Revenue
$933M
Est $883M
+5.7%
Q3 2025
Aug 28, 2025EPS
$0.20
Est $0.12
+61.9%
Revenue
$876M
Est $837M
+4.7%
Q2 2025
May 8, 2025EPS
$0.01
Est $0.01
+258.2%
Revenue
$783M
Est $783M
+0.0%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Feb 5, 2026 | $0.37vs $0.28+32.1% | $1.1Bvs $1.1B+6.4% |
| Q4 2025 | Nov 6, 2025 | $0.23vs $0.11+105.2% | $933Mvs $883M+5.7% |
| Q3 2025 | Aug 28, 2025 | $0.20vs $0.12+61.9% | $876Mvs $837M+4.7% |
| Q2 2025 | May 8, 2025 | $0.01vs $0.01+258.2% | $783Mvs $783M+0.0% |
Based on last 12 quarters of dataView full earnings history →
AFRM Peer Comparison
Affirm Holdings, Inc. (AFRM) competitors in Payments and fintech infrastructure — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 SEZL | 2.91B | 86.02 | 23.12 | 66.08% | 90.93% | 0.83 | ||
 LPRO | 202.15M | 1.71 | -47.90 | 288.02% | -5.53% | 1.17 | ||
 UPST | 2.74B | 28.68 | 63.73 | 58.87% | 6.59% | 2.32 | ||
 LC | 1.96B | 17.06 | 14.83 | 14.97% | 9.47% | 0.01 | ||
 SOFI | 20.79B | 16.30 | 41.79 | 28.78% | 5.87% | 0.17 | ||
 PYPL | 42.56B | 46.26 | 8.55 | 4.32% | 25.08% | 0.49 | ||
 ALLY | 13.67B | 44.30 | 18.69 | -25.75% | 5.5% | 1.40 | ||
 OMF | 6.55B | 55.90 | 8.52 | 9.09% | 23.62% | 6.67 |
Compare AFRM vs Peers
Affirm Holdings, Inc. (AFRM) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
AFRM Income Statement
Affirm Holdings, Inc. (AFRM) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Jun'19 | Jun'20 | Jun'21 | Jun'22 | Jun'23 | Jun'24 | Jun'25 | TTM |
|---|---|---|---|---|---|---|---|---|
| Sales/Revenue | 264.37M | 509.53M | 870.46M | 1.35B | 1.59B | 2.32B | 3.22B | 3.72B |
| Revenue Growth % | - | 92.74% | 70.84% | 55.01% | 17.69% | 46.29% | 38.8% | 32.7% |
| Cost of Goods Sold | 108.74M | 172.21M | 322.91M | 576.46M | 873.16M | 845.11M | 1.05B | 1.2B |
| COGS % of Revenue | 41.13% | 33.8% | 37.1% | 42.72% | 54.99% | 36.38% | 32.49% | - |
| Gross Profit | 155.63M▲ 0% | 337.32M▲ 116.7% | 547.55M▲ 62.3% | 772.84M▲ 41.1% | 714.82M▼ 7.5% | 1.48B▲ 106.7% | 2.18B▲ 47.3% | 2.52B▲ 0% |
| Gross Margin % | 58.87% | 66.2% | 62.9% | 57.28% | 45.01% | 63.62% | 67.51% | 67.72% |
| Gross Profit Growth % | - | 116.75% | 62.32% | 41.14% | -7.51% | 106.75% | 47.29% | - |
| Operating Expenses | 257.17M | 445.11M | 931.22M | 1.64B | 1.92B | 2.09B | 2.26B | 2.29B |
| OpEx % of Revenue | 97.28% | 87.36% | 106.98% | 121.46% | 120.64% | 90.13% | 70.22% | - |
| Selling, General & Admin | 105.77M | 146.27M | 565.94M | 1.11B | 1.22B | 1.1B | 979.9M | 884.17M |
| SG&A % of Revenue | 40.01% | 28.71% | 65.02% | 82.25% | 77.12% | 47.43% | 30.39% | - |
| Research & Development | 70.81M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| R&D % of Revenue | 26.78% | - | - | - | - | - | - | - |
| Other Operating Expenses | 151.41M | 298.83M | 365.28M | 529.05M | 691.01M | 992.04M | 1.28B | 4M |
| Operating Income | -101.55M▲ 0% | -107.79M▼ 6.1% | -383.67M▼ 255.9% | -866.05M▼ 125.7% | -1.2B▼ 38.7% | -615.85M▲ 48.7% | -87.27M▲ 85.8% | 230.96M▲ 0% |
| Operating Margin % | -38.41% | -21.15% | -44.08% | -64.19% | -75.62% | -26.51% | -2.71% | 6.22% |
| Operating Income Growth % | - | -6.15% | -255.94% | -125.73% | -38.66% | 48.72% | 85.83% | - |
| EBITDA | -96.28M | -98.35M | -363.69M | -813.33M | -1.07B | -446.8M | 137.8M | 495.34M |
| EBITDA Margin % | -36.42% | -19.3% | -41.78% | -60.28% | -67.14% | -19.23% | 4.27% | 13.33% |
| EBITDA Growth % | - | -2.15% | -269.8% | -123.63% | -31.09% | 58.09% | 130.84% | 396.29% |
| D&A (Non-Cash Add-back) | 5.27M | 9.44M | 19.98M | 52.72M | 134.63M | 169.04M | 225.08M | 264.38M |
| EBIT | -94.52M | -79.91M | -390.67M | -655.14M | -806.23M | -171.27M | 486.92M | 728.47M |
| Net Interest Income | -25.89M | -32.32M | -52.7M | -69.69M | -183.01M | -344.25M | -425.45M | -435.29M |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 25.89M | 32.32M | 52.7M | 69.69M | 183.01M | 344.25M | 425.45M | 435.29M |
| Other Income/Expense | 7.02M | -4.43M | -59.7M | 141.22M | 211.62M | 100.32M | 148.74M | 62.22M |
| Pretax Income | -120.42M▲ 0% | -112.22M▲ 6.8% | -443.37M▼ 295.1% | -724.83M▼ 63.5% | -989.25M▼ 36.5% | -515.53M▲ 47.9% | 61.46M▲ 111.9% | 293.18M▲ 0% |
| Pretax Margin % | -45.55% | -22.02% | -50.93% | -53.72% | -62.3% | -22.19% | 1.91% | 7.89% |
| Income Tax | 36K | 376K | -2.34M | -17.41M | -3.9M | 2.23M | 9.28M | 10.86M |
| Effective Tax Rate % | -0.03% | -0.34% | 0.53% | 2.4% | 0.39% | -0.43% | 15.1% | 3.7% |
| Net Income | -120.45M▲ 0% | -112.6M▲ 6.5% | -441.03M▼ 291.7% | -707.42M▼ 60.4% | -985.35M▼ 39.3% | -517.76M▲ 47.5% | 52.19M▲ 110.1% | 282.33M▲ 0% |
| Net Margin % | -45.56% | -22.1% | -50.67% | -52.43% | -62.05% | -22.29% | 1.62% | 7.6% |
| Net Income Growth % | - | 6.52% | -291.68% | -60.4% | -39.29% | 47.45% | 110.08% | 241.92% |
| Net Income (Continuing) | -120.45M | -112.6M | -441.03M | -707.42M | -985.35M | -517.76M | 52.19M | 282.33M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | -0.47▲ 0% | -0.44▲ 6.4% | -1.64▼ 272.7% | -2.51▼ 53.0% | -3.34▼ 33.1% | -1.67▲ 50.0% | 0.15▲ 109.0% | 0.81▲ 0% |
| EPS Growth % | - | 6.38% | -272.73% | -53.05% | -33.07% | 50% | 108.98% | 224.32% |
| EPS (Basic) | -0.47 | -0.44 | -1.64 | -2.51 | -3.34 | -1.67 | 0.16 | - |
| Diluted Shares Outstanding | 257.41M | 257.41M | 269.48M | 281.7M | 295.34M | 309.86M | 341.02M | 349.37M |
| Basic Shares Outstanding | 257.41M | 257.41M | 269.48M | 281.7M | 295.34M | 309.86M | 322.85M | 334.27M |
| Dividend Payout Ratio | - | - | - | - | - | - | - | - |
AFRM Balance Sheet
Affirm Holdings, Inc. (AFRM) balance sheet — assets, liabilities & shareholders' equity
| Line item | Jun'19 | Jun'20 | Jun'21 | Jun'22 | Jun'23 | Jun'24 | Jun'25 | TTM |
|---|---|---|---|---|---|---|---|---|
| Total Current Assets | 1.08B | 1.34B | 3.88B | 5.68B | 6.9B | 8.21B | 9.76B | 11.47B |
| Cash & Short-Term Investments | 320.45M | 267.06M | 1.48B | 2.85B | 2.07B | 2.14B | 2.23B | 2.25B |
| Cash Only | 320.45M | 267.06M | 1.47B | 1.26B | 892.03M | 1.01B | 1.35B | 1.53B |
| Short-Term Investments | 0 | 0 | 16.17M | 1.6B | 1.17B | 1.13B | 871.42M | 723.38M |
| Accounts Receivable | 43.1M | 59M | 2.02B | 2.49B | 4.41B | 5.73B | 7.06B | 8.56B |
| Days Sales Outstanding | 59.51 | 42.27 | 848.09 | 673.64 | 1.01K | 900.68 | 799.02 | 549.9 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days Inventory Outstanding | - | - | - | - | - | - | - | - |
| Other Current Assets | 712.68M | 1.01B | 239.1M | 298.31M | 367.99M | 282.33M | 401.97M | 566.7M |
| Total Non-Current Assets | 67.69M | 61.91M | 990.23M | 1.3B | 1.26B | 1.31B | 1.4B | 1.49B |
| Property, Plant & Equipment | 33.65M | 48.14M | 120.33M | 222.15M | 320.31M | 449.55M | 591.76M | 665.79M |
| Fixed Asset Turnover | 7.86x | 10.58x | 7.23x | 6.07x | 4.96x | 5.17x | 5.45x | 6.06x |
| Goodwill | 0 | 1.25M | 516.51M | 539.53M | 542.57M | 533.44M | 534.16M | 533.44M |
| Intangible Assets | 0 | 2.5M | 67.93M | 78.94M | 34.43M | 13.5M | 12.94M | 12.62M |
| Long-Term Investments | 669.15M | 1.85M | 11.28M | 43.17M | 43.17M | 73.01M | 40.28M | 7.74B |
| Other Non-Current Assets | -635.11M | 8.17M | 274.18M | 413.42M | 292.5M | 219.41M | 203.25M | 812.13M |
| Total Assets | 1.15B▲ 0% | 1.4B▲ 22.1% | 4.87B▲ 247.1% | 6.97B▲ 43.3% | 8.16B▲ 16.9% | 9.52B▲ 16.7% | 11.15B▲ 17.2% | 12.96B▲ 0% |
| Asset Turnover | 0.23x | 0.36x | 0.18x | 0.19x | 0.19x | 0.24x | 0.29x | 0.32x |
| Asset Growth % | - | 22.09% | 247.08% | 43.29% | 16.95% | 16.72% | 17.18% | 67.43% |
| Total Current Liabilities | 19.76M | 36.31M | 108.18M | 107.07M | 92.8M | 124.96M | 180.1M | 171.41M |
| Accounts Payable | 10.85M | 18.36M | 57.76M | 33.07M | 28.6M | 41.02M | 82.82M | 57.23M |
| Days Payables Outstanding | 36.41 | 38.92 | 65.29 | 20.94 | 11.96 | 17.72 | 28.86 | 18.19 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Revenue (Current) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Ratio | 54.70x | 36.91x | 35.83x | 53.02x | 74.34x | 65.70x | 54.19x | 54.19x |
| Quick Ratio | 54.70x | 36.91x | 35.83x | 53.02x | 74.34x | 65.70x | 54.19x | 54.19x |
| Cash Conversion Cycle | - | - | - | - | - | - | - | 531.71 |
| Total Non-Current Liabilities | 1.39B | 1.73B | 2.18B | 4.25B | 5.53B | 6.66B | 7.91B | 9.24B |
| Long-Term Debt | 585.95M | 917.15M | 1.91B | 4.08B | 5.4B | 6.57B | 7.82B | 9.14B |
| Capital Lease Obligations | 0 | 0 | 74.95M | 65.71M | 52.56M | 39.49M | 31.94M | 125.65M |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 806.21M | 815.89M | 200.95M | 104.54M | 77.62M | 48.32M | 52.52M | 230.41M |
| Total Liabilities | 1.41B | 1.77B | 2.29B | 4.36B | 5.62B | 6.79B | 8.09B | 9.41B |
| Total Debt | 585.95M | 917.15M | 1.98B | 4.14B | 5.45B | 6.61B | 7.85B | 9.18B |
| Net Debt | 265.5M | 650.09M | 515.75M | 2.89B | 4.56B | 5.6B | 6.5B | 7.65B |
| Debt / Equity | - | - | 0.77x | 1.58x | 2.15x | 2.42x | 2.56x | 2.56x |
| Debt / EBITDA | - | - | - | - | - | - | 56.99x | 18.54x |
| Net Debt / EBITDA | - | - | - | - | - | - | 47.16x | 47.16x |
| Interest Coverage | -3.65x | -2.47x | -7.41x | -9.40x | -4.41x | -0.50x | 1.14x | 1.67x |
| Total Equity | -263.41M▲ 0% | -367.1M▼ 39.4% | 2.58B▲ 801.6% | 2.62B▲ 1.7% | 2.53B▼ 3.2% | 2.73B▲ 7.8% | 3.07B▲ 12.3% | 3.55B▲ 0% |
| Equity Growth % | - | -39.36% | 801.6% | 1.66% | -3.21% | 7.81% | 12.34% | 65.59% |
| Book Value per Share | -1.02 | -1.43 | 9.56 | 9.29 | 8.58 | 8.82 | 9.00 | 10.15 |
| Total Shareholders' Equity | -263.41M | -367.1M | 2.58B | 2.62B | 2.53B | 2.73B | 3.07B | 3.55B |
| Common Stock | 0 | 0 | 3K | 3K | 3K | 3K | 3K | 3K |
| Retained Earnings | -318.24M | -447.17M | -898.49M | -1.61B | -2.59B | -3.11B | -3.06B | -2.85B |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated OCI | 0 | -302K | 6.77M | -7.15M | -15.42M | -21.57M | -15.07M | -16.94M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
AFRM Cash Flow Statement
Affirm Holdings, Inc. (AFRM) cash flow — operating, investing & free cash flow history
| Line item | Jun'19 | Jun'20 | Jun'21 | Jun'22 | Jun'23 | Jun'24 | Jun'25 | TTM |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -92.5M | -78.99M | -193.13M | -162.19M | 12.18M | 450.14M | 793.91M | 793.91M |
| Operating CF Margin % | -34.99% | -15.5% | -22.19% | -12.02% | 0.77% | 19.38% | 24.62% | - |
| Operating CF Growth % | - | 14.61% | -144.5% | 16.02% | 107.51% | 3595.41% | 76.37% | 55.57% |
| Net Income | -120.45M | -112.6M | -441.03M | -707.42M | -985.35M | -517.76M | 52.19M | 282.33M |
| Depreciation & Amortization | 5.27M | 9.44M | 19.98M | 52.72M | 134.63M | 169.04M | 225.08M | 142.04M |
| Stock-Based Compensation | 0 | 0 | 292.51M | 390.98M | 451.71M | 344.51M | 321.43M | 304.75M |
| Deferred Taxes | 36K | 385K | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 43.35M | -7.15M | -10.84M | 111.42M | 546.16M | 516.69M | 245.04M | 246.2M |
| Working Capital Changes | -20.69M | 30.98M | -53.75M | -9.91M | -134.97M | -62.35M | -49.83M | -141.98M |
| Change in Receivables | -24.79M | -19.05M | -22.93M | -62.7M | -67.69M | -167.76M | -84.95M | -78.82M |
| Change in Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | 4.43M | 7.51M | 32.22M | -24.69M | -5.04M | 12.42M | 41.8M | 6.6M |
| Cash from Investing | -353.73M | -253.07M | -1.02B | -2.01B | -1.65B | -1.33B | -1.08B | -1.92B |
| Capital Expenditures | -19.41M | -21.02M | -20.25M | -86.29M | -120.78M | -159.3M | -192.19M | -214.2M |
| CapEx % of Revenue | 7.34% | 4.13% | 2.33% | 6.4% | 7.61% | 6.86% | 5.96% | - |
| Acquisitions | 0 | 0 | -222.43M | -6M | -16.05M | 0 | 0 | 0 |
| Investments | - | - | - | - | - | - | - | - |
| Other Investing | 1.41B | -232.05M | -779.35M | -388.7M | -1.97B | -1.32B | -1.28B | 11.08B |
| Cash from Financing | 566.5M | 302.42M | 2.58B | 2.04B | 1.35B | 913.15M | 751.42M | 1.44B |
| Debt Issued (Net) | 274.07M | 325.65M | 962.66M | 2.16B | 1.43B | 1.1B | 1.29B | 1.65B |
| Equity Issued (Net) | 292.43M | -23.23M | 1.74B | -86K | -109K | 0 | -250M | -101.53M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | -17.13M | -41.45M | -813K | -86K | -109K | 0 | -250M | -112.31M |
| Other Financing | 0 | 0 | -123.74M | -125.02M | -80.52M | -183.35M | -292.35M | -114.15M |
| Net Change in Cash | 357.77M▲ 0% | -29.64M▼ 108.3% | 1.36B▲ 4703.1% | -141.82M▼ 110.4% | -290.86M▼ 105.1% | 35.45M▲ 112.2% | 461.02M▲ 1200.3% | 357.42M▲ 0% |
| Free Cash Flow | -113.75M▲ 0% | -100.01M▲ 12.1% | -213.38M▼ 113.4% | -273.9M▼ 28.4% | -108.59M▲ 60.4% | 290.84M▲ 367.8% | 601.72M▲ 106.9% | 619.13M▲ 0% |
| FCF Margin % | -43.03% | -19.63% | -24.51% | -20.3% | -6.84% | 12.52% | 18.66% | 16.66% |
| FCF Growth % | - | 12.08% | -113.36% | -28.36% | 60.35% | 367.83% | 106.89% | 1% |
| FCF per Share | -0.44 | -0.39 | -0.79 | -0.97 | -0.37 | 0.94 | 1.76 | 1.76 |
| FCF Conversion (FCF/Net Income) | 0.77x | 0.70x | 0.44x | 0.23x | -0.01x | -0.87x | 15.21x | 2.19x |
| Interest Paid | 27.84M | 28.09M | 41.69M | 51.52M | 163.19M | 318.24M | 404.38M | 306.5M |
| Taxes Paid | 0 | 0 | 219K | 220K | 808K | 1.19M | 2.74M | 639K |
AFRM Key Ratios
Affirm Holdings, Inc. (AFRM) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | - | -39.94% | -27.24% | -38.25% | -19.66% | 1.8% | 8.83% |
| Return on Invested Capital (ROIC) | -56.72% | -17.06% | -15.11% | -14.3% | -5.99% | -0.73% | -0.73% |
| Gross Margin | 66.2% | 62.9% | 57.28% | 45.01% | 63.62% | 67.51% | 67.72% |
| Net Margin | -22.1% | -50.67% | -52.43% | -62.05% | -22.29% | 1.62% | 7.6% |
| Debt / Equity | - | 0.77x | 1.58x | 2.15x | 2.42x | 2.56x | 2.56x |
| Interest Coverage | -2.47x | -7.41x | -9.40x | -4.41x | -0.50x | 1.14x | 1.67x |
| FCF Conversion | 0.70x | 0.44x | 0.23x | -0.01x | -0.87x | 15.21x | 2.19x |
| Revenue Growth | 92.74% | 70.84% | 55.01% | 17.69% | 46.29% | 38.8% | 32.7% |
AFRM SEC Filings & Documents
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Growth & Financials
Affirm Holdings, Inc. (AFRM) reported $3.72B in revenue for fiscal year 2025. This represents a 1306% increase from $264.4M in 2019.
Affirm Holdings, Inc. (AFRM) grew revenue by 38.8% over the past year. This is strong growth.
Yes, Affirm Holdings, Inc. (AFRM) is profitable, generating $282.3M in net income for fiscal year 2025 (1.6% net margin).
Dividend & Returns
Affirm Holdings, Inc. (AFRM) has a return on equity (ROE) of 1.8%. This is below average, suggesting room for improvement.
Affirm Holdings, Inc. (AFRM) generated $619.1M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.
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