Affirm Holdings, Inc.

Affirm Holdings, Inc.

AFRMยทNASDAQ

$66.27

-6.7%
TechnologySoftware - Infrastructure

Affirm 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.

At a Glance

Live Snapshot
Market Cap$22.19B
EPS0.1600
P/E Ratio414.19
Earnings Date08/27/2026
3Y-589.0%
5Y-1105.0%
10Y-958.0%
3Y-46.0%
5Y+328.0%
10Y+206.0%
3Y-63.0%
5Y+148.0%
10Y+33.0%
AFRM

Affirm Holdings, Inc. Cash Conversion Engine

AFRM ยท NASDAQ
Net Income52.19M
Depreciation & Amortization225.08M
Stock-Based Compensation321.43M
Change in Working Capital-49.83M
Others245.04M
Capital Expenditures-192.19M
Free Cash Flow601.72M

Cash Flow Quality Analysis

FCF Conversion Rate

1153.0%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

24.2%

Moderate capital requirements typical of many stable businesses. Healthy balance between reinvestment and cash generation.

FCF Growth Trend

+106.9%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

-$49.83M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

Affirm Holdings, Inc. Cash Flow Statement

AFRM โ€ข NASDAQ

Affirm Holdings, Inc. Cash Flow StatementJun 2025Jun 2024Jun 2023Jun 2022Jun 2021Jun 2020Jun 2019
OPERATING ACTIVITIES
52.2M
-517.8M
-985.3M
-707.4M
-441M
-112.6M
-120.5M
225.1M
169M
134.6M
52.7M
20M
9.4M
5.3M
0.0
0.0
0.0
0.0
0.0
385K
36K
321.4M
344.5M
451.7M
391M
292.5M
0.0
0.0
245M
516.7M
546.2M
111.4M
-10.8M
-7.2M
43.3M
(2.7M)
(1.2M)
(808K)
(220K)
(219K)
(0.0)
(0.0)
-49.8M
-62.4M
-135M
-9.9M
-53.7M
31M
-20.7M
793.9M
450.1M
12.2M
-162.2M
-193.1M
-79M
-92.5M
INVESTING ACTIVITIES
-192.2M
-159.3M
-120.8M
-86.3M
-20.3M
-21M
-19.4M
(0.0)
(0.0)
-16.1M
-6M
-222.4M
(0.0)
(0.0)
-823.9M
-986.1M
-1.1B
-1.8B
(0.0)
(0.0)
-1.9B
1.2B
1.1B
1.5B
311M
0.0
0.0
147.1M
-1.3B
-1.3B
-2B
-388.7M
-779.3M
-232.1M
1.4B
-1.1B
-1.3B
-1.7B
-2B
-1B
-253.1M
-353.7M
FINANCING ACTIVITIES
-250M
0.0
-109K
-86K
1.3B
-23.2M
292.4M
1.3B
1.1B
1.4B
2.2B
962.7M
325.7M
274.1M
-250M
(0.0)
-109K
-86K
-813K
-41.4M
-17.1M
-292.4M
-183.3M
-80.5M
-125M
-123.7M
0.0
0.0
751.4M
913.1M
1.3B
2B
2.6B
302.4M
566.5M
CASH FLOW SUMMARY
-1.2M
-2.7M
81K
-5.4M
1.8M
0.0
237.5M
461M
35.5M
-290.9M
-141.8M
1.4B
-29.6M
357.8M
1.3B
1.3B
1.6B
1.7B
328.1M
357.8M
0.0
1.8B
1.3B
1.3B
1.6B
1.7B
328.1M
357.8M
601.7M
290.8M
-108.6M
-273.9M
-213.4M
-100M
-113.7M

SEC Filings

AFRM - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
10-Q

10-Q 2026 Q1

Q1

May 07, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

May 07, 2026
May 07, 2026
2026
10-Q

10-Q 2025 Q4

Q4

February 05, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 05, 2026
February 05, 2026
2026
8-K

8-K 2026

N/A

January 16, 2026
January 13, 2026
2026
8-K

8-K 2025

N/A

December 18, 2025
December 15, 2025
2025
10-Q

10-Q 2025 Q3

Q3

November 06, 2025
September 30, 2025
2025
8-K

8-K 2025

N/A

November 06, 2025
November 02, 2025
2025
DEF 14A

DEF 14A 2025

N/A

October 24, 2025
June 30, 2025
2025
8-K

8-K 2025

N/A

September 22, 2025
September 18, 2025
2025
Showing 1 to 10 of 93 filings