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+139.0%
5Y+533.0%
10Y+1120.0%
3Y-107.0%
5Y-146.0%
10Y-143.0%
3Y-589.0%
5Y-1105.0%
10Y-958.0%
Affirm Holdings, Inc.

Affirm Holdings, Inc. Profit Bridge

AFRM ยท NASDAQ
Revenue3.22B
Cost of Goods Sold (1.05B)
Gross Profit2.18B
Operating Expenses (2.26B)
Operating Income-87.27M
Interest Expense (425.45M)
Other Income/Expense148.74M
Pretax Income61.46M
Income Tax (9.28M)
Net Income52.19M
Net Income
52.19M

Profitability Analysis

Gross Margin

67.5%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

-2.7%

Operating losses indicate the core business is unprofitable. Requires restructuring or revenue growth.

Net Profit Margin

1.6%

Minimal profitability after all expenses. Limited financial flexibility for reinvestment or shareholder returns.

Effective Tax Rate

15.1%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.

Affirm Holdings, Inc. Income Statement

AFRM โ€ข NASDAQ

Affirm Holdings, Inc. Income StatementJun 2025Jun 2024Jun 2023Jun 2022Jun 2021Jun 2020Jun 2019
REVENUE
3.2B
2.3B
1.6B
1.3B
870.5M
509.5M
264.4M
GROSS PROFIT
(1B)
(845.1M)
(873.2M)
(576.5M)
(322.9M)
(172.2M)
(108.7M)
2.2B
1.5B
714.8M
772.8M
547.6M
337.3M
155.6M
OPERATING INCOME
(2.3B)
(2.1B)
(1.9B)
(1.6B)
(931.2M)
(445.1M)
(257.2M)
(979.9M)
(1.1B)
(1.2B)
(1.1B)
(565.9M)
(146.3M)
(105.8M)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(70.8M)
-87.3M
-615.8M
-1.2B
-866M
-383.7M
-107.8M
-101.5M
PRE-TAX INCOME
(425.5M)
(344.3M)
(183M)
(69.7M)
(52.7M)
(32.3M)
(3.7M)
-425.5M
-344.3M
-183M
-69.7M
-52.7M
-32.3M
-25.9M
(1.3B)
(992M)
(691M)
(529M)
(365.3M)
(298.8M)
(151.4M)
148.7M
100.3M
211.6M
141.2M
-59.7M
-4.4M
7M
61.5M
-515.5M
-989.2M
-724.8M
-443.4M
-112.2M
-120.4M
NET INCOME
(9.3M)
(2.2M)
-3.9M
-17.4M
-2.3M
(376K)
(36K)
52.2M
-517.8M
-985.3M
-707.4M
-441M
-112.6M
-120.5M

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