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AFRM

Affirm Holdings, Inc.

Price Chart
Latest Quote

$61.99

Current Price
Previous Close $60.30
Open $59.02
Day High $62.70
Day Low $59.00
Volume 5,644,928
Fetched: 2026-02-03T05:56:35
Stock Information
Shares Outstanding 289.36M
Total Debt $7.96B
Cash Equivalents $1.48B
Revenue $3.46B
Net Income $233.10M
Sector Financial Services
Industry Credit Services
Market Cap $20.46B
P/E Ratio 89.84
EPS (TTM) $0.69
Exchange NMS
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📊 Custom Metrics & Score
Score: 12/42
Debt to Equity 2.56
Debt to Earnings 3.61
Current Ratio 54.19
Quick Ratio 51.55
Avg Revenue Growth 34.74%
Profit Margin 1.62%
Return on Equity 1.70%
Avg FCF Growth -79.92%
FCF Yield 2.94%
Score Explanation: The perfect score is 42/42 based on debt levels, profitability, growth rates, and cash flow metrics. FCF Yield is weighted most heavily as it shows what return the business currently generates.
Recent Price History
Date Close Volume
2026-02-02 $61.99 5,644,928
2026-01-30 $60.30 5,459,900
2026-01-29 $62.80 7,745,200
2026-01-28 $65.36 6,933,000
2026-01-27 $68.79 4,967,700
2026-01-26 $68.71 4,509,600
2026-01-23 $71.43 3,851,200
2026-01-22 $72.83 4,591,700
2026-01-21 $71.76 6,073,900
2026-01-20 $71.10 4,708,200
2026-01-16 $74.76 5,618,200
2026-01-15 $71.81 4,516,000
2026-01-14 $72.61 8,159,800
2026-01-13 $75.97 6,560,200
2026-01-12 $76.39 11,495,200
2026-01-09 $81.80 2,649,600
2026-01-08 $81.61 3,259,800
2026-01-07 $83.05 3,707,700
2026-01-06 $82.35 3,600,600
2026-01-05 $80.80 7,656,500
About Affirm Holdings, Inc.

Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. Its platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. The company's commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time. It has active merchants covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies with an omni-channel presence. The company's merchants represent a range of industries, including sporting goods and outdoors, home and lifestyle, travel and ticketing, electronics, fashion and beauty, equipment and auto, and general merchandise. Affirm Holdings, Inc. was founded in 2012 and is headquartered in San Francisco, California.

Income Statement (Annual)
Revenue
Metric 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Reconciled Cost Of Revenue $1,047,572,000 $845,106,000 $873,161,000 $576,457,000
Cost Of Revenue $1,047,572,000 $845,106,000 $873,161,000 $576,457,000
Total Revenue $3,224,412,000 $2,322,999,000 $1,587,985,000 $1,349,292,000
Operating Revenue $3,224,412,000 $2,322,999,000 $1,587,985,000 $1,349,292,000
Expenses
Metric 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Interest Expense $425,451,000 $344,253,000 $183,013,000 $69,694,000
Total Expenses $2,886,419,000 $2,587,825,000 $2,569,964,000 $2,145,646,000
Other Income Expense $148,921,000 $93,552,000 $175,747,000 $141,217,000
Other Non Operating Income Expenses $148,737,000 $100,320,000 $211,617,000 $141,217,000
Net Non Operating Interest Income Expense $-425,451,000 $-344,253,000 $-183,013,000 $-69,694,000
Interest Expense Non Operating $425,451,000 $344,253,000 $183,013,000 $69,694,000
Operating Expense $1,838,847,000 $1,742,719,000 $1,696,803,000 $1,569,189,000
Other Operating Expenses $242,264,000 $180,395,000 $140,265,000 $204,081,000
Selling And Marketing Expense $434,847,000 $576,405,000 $638,280,000 $532,343,000
General And Administrative Expense $545,053,000 $525,291,000 $586,398,000 $577,493,000
Total Other Finance Cost - - - $69,694,000
Income & Earnings
Metric 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Net Income From Continuing Operation Net Minority Interest $52,186,000 $-517,757,000 $-985,345,000 $-707,417,000
Net Interest Income $-425,451,000 $-344,253,000 $-183,013,000 $-69,694,000
Normalized Income $52,029,232 $-512,410,280 $-949,618,480 $-707,417,000
Net Income From Continuing And Discontinued Operation $52,186,000 $-517,757,000 $-985,345,000 $-707,417,000
Total Operating Income As Reported $-87,273,000 $-615,847,000 $-1,200,862,000 $-866,048,000
Net Income Common Stockholders $52,186,000 $-517,757,000 $-985,345,000 $-707,417,000
Net Income $52,186,000 $-517,757,000 $-985,345,000 $-707,417,000
Net Income Including Noncontrolling Interests $52,186,000 $-517,757,000 $-985,345,000 $-707,417,000
Net Income Continuous Operations $52,186,000 $-517,757,000 $-985,345,000 $-707,417,000
Pretax Income $61,464,000 $-515,527,000 $-989,245,000 $-724,831,000
Special Income Charges $184,000 $-6,768,000 $-35,870,000 $0
Operating Income $337,993,000 $-264,826,000 $-981,979,000 $-796,354,000
Gross Profit $2,176,840,000 $1,477,893,000 $714,824,000 $772,835,000
Per Share Metrics
Metric 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Diluted EPS $0.15 $-1.67 $-3.34 $-2.51
Basic EPS $0.16 $-1.67 $-3.34 $-2.51
Other
Metric 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Tax Effect Of Unusual Items $27,232 $-1,421,280 $-143,480 $0
Tax Rate For Calcs $0 $0 $0 $0
Normalized EBITDA (Bullshit earnings) $711,807,000 $4,538,000 $-635,728,000 $-602,415,000
Total Unusual Items $184,000 $-6,768,000 $-35,870,000 $0
Total Unusual Items Excluding Goodwill $184,000 $-6,768,000 $-35,870,000 $0
Reconciled Depreciation $225,076,000 $169,044,000 $134,634,000 $52,722,000
EBITDA (Bullshit earnings) $711,991,000 $-2,230,000 $-671,598,000 $-602,415,000
EBIT $486,915,000 $-171,274,000 $-806,232,000 $-655,137,000
Diluted Average Shares $341,023,566 $309,857,129 $295,343,466 $281,704,041
Basic Average Shares $322,851,873 $309,857,129 $295,343,466 $281,704,041
Diluted NI Availto Com Stockholders $52,186,000 $-517,757,000 $-985,345,000 $-707,417,000
Tax Provision $9,279,000 $2,230,000 $-3,900,000 $-17,414,000
Restructuring And Mergern Acquisition $-184,000 $6,768,000 $35,870,000 $0
Provision For Doubtful Accounts $616,683,000 $460,628,000 $331,860,000 $255,272,000
Selling General And Administration $979,900,000 $1,101,696,000 $1,224,678,000 $1,109,836,000
Other Gand A $545,053,000 $525,291,000 $586,398,000 $577,493,000
Otherunder Preferred Stock Dividend - - - $0
Fetched: 2026-02-02
Balance Sheet (Annual)
Assets
Metric 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Net Tangible Assets $2,521,918,000 $2,185,048,000 $1,957,178,000 $1,999,779,000
Total Assets $11,154,929,000 $9,519,619,000 $8,155,615,000 $6,973,792,000
Total Non Current Assets $1,396,311,000 $1,310,112,000 $1,256,250,000 $1,297,224,000
Other Non Current Assets $200,610,000 $202,200,000 $241,952,000 $363,440,000
Non Current Deferred Assets $13,929,000 $21,206,000 $23,270,000 -
Non Current Deferred Taxes Assets $13,929,000 $21,206,000 $23,270,000 -
Financial Assets $2,644,000 $17,207,000 $50,545,000 $49,983,000
Investmentin Financial Assets $40,277,000 $73,009,000 $43,172,000 $43,172,000
Goodwill And Other Intangible Assets $547,091,000 $546,941,000 $577,005,000 $618,476,000
Other Intangible Assets $12,935,000 $13,502,000 $34,434,000 $78,942,000
Current Assets $9,758,617,000 $8,209,507,000 $6,899,365,000 $5,676,568,000
Assets Held For Sale Current $0 $36,000 $76,000 $2,670,000
Restricted Cash $401,968,000 $282,293,000 $367,917,000 $295,636,000
Prepaid Assets $72,215,000 $50,194,000 $49,962,000 $37,497,000
Receivables $7,058,554,000 $5,732,250,000 $4,414,730,000 $2,490,221,000
Other Receivables $3,771,000 $18,263,000 $17,214,000 $17,221,000
Loans Receivable $6,628,606,000 $5,360,959,000 $4,198,431,000 $2,348,169,000
Accounts Receivable $426,177,000 $353,028,000 $199,085,000 $142,052,000
Allowance For Doubtful Accounts Receivable $-18,800,000 $-14,900,000 $-12,900,000 $-13,900,000
Gross Accounts Receivable $444,977,000 $367,928,000 $211,985,000 $155,952,000
Cash Cash Equivalents And Short Term Investments $2,225,880,000 $2,144,734,000 $2,066,680,000 $2,850,544,000
Cash And Cash Equivalents $1,354,455,000 $1,013,106,000 $892,027,000 $1,255,171,000
Notes Receivable - - - -
Debt
Metric 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Net Debt $6,466,908,000 $5,561,749,000 $4,506,422,000 $2,823,037,000
Total Debt $7,853,306,000 $6,614,348,000 $5,451,006,000 $4,143,921,000
Long Term Debt And Capital Lease Obligation $7,853,306,000 $6,614,348,000 $5,451,006,000 $4,143,921,000
Long Term Debt $7,821,363,000 $6,574,855,000 $5,398,449,000 $4,078,208,000
Liabilities
Metric 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Total Liabilities Net Minority Interest $8,085,920,000 $6,787,630,000 $5,621,432,000 $4,355,537,000
Total Non Current Liabilities Net Minority Interest $7,905,822,000 $6,662,671,000 $5,528,628,000 $4,248,463,000
Other Non Current Liabilities $49,729,000 $30,680,000 $24,355,000 $48,763,000
Derivative Product Liabilities $2,787,000 $17,643,000 $53,267,000 $55,779,000
Current Liabilities $180,098,000 $124,959,000 $92,804,000 $107,074,000
Payables And Accrued Expenses $180,098,000 $124,959,000 $92,804,000 $107,074,000
Interest Payable $24,465,000 $24,327,000 $13,498,000 $6,659,000
Payables $82,820,000 $41,019,000 $28,602,000 $33,072,000
Accounts Payable $82,820,000 $41,019,000 $28,602,000 $33,072,000
Other Current Liabilities - - $53,267,000 $55,779,000
Non Current Deferred Liabilities - - - -
Equity
Metric 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Common Stock Equity $3,069,009,000 $2,731,989,000 $2,534,183,000 $2,618,255,000
Total Equity Gross Minority Interest $3,069,009,000 $2,731,989,000 $2,534,183,000 $2,618,255,000
Stockholders Equity $3,069,009,000 $2,731,989,000 $2,534,183,000 $2,618,255,000
Gains Losses Not Affecting Retained Earnings $-15,069,000 $-21,565,000 $-15,423,000 $-7,149,000
Other Equity Adjustments $-15,069,000 $-21,565,000 $-15,423,000 $-7,149,000
Retained Earnings $-3,056,818,000 $-3,109,004,000 $-2,591,247,000 $-1,605,902,000
Preferred Securities Outside Stock Equity - - - -
Other
Metric 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Ordinary Shares Number $325,112,799 $311,053,031 $296,846,217 $287,365,373
Share Issued $325,112,799 $311,053,031 $296,846,217 $287,365,373
Tangible Book Value $2,521,918,000 $2,185,048,000 $1,957,178,000 $1,999,779,000
Invested Capital $10,890,372,000 $9,306,844,000 $7,932,632,000 $6,696,463,000
Working Capital $9,578,519,000 $8,084,548,000 $6,806,561,000 $5,569,494,000
Capital Lease Obligations $31,943,000 $39,493,000 $52,557,000 $65,713,000
Total Capitalization $10,890,372,000 $9,306,844,000 $7,932,632,000 $6,696,463,000
Additional Paid In Capital $6,140,893,000 $5,862,555,000 $5,140,850,000 $4,231,303,000
Capital Stock $3,000 $3,000 $3,000 $3,000
Common Stock $3,000 $3,000 $3,000 $3,000
Long Term Capital Lease Obligation $31,943,000 $39,493,000 $52,557,000 $65,713,000
Current Accrued Expenses $97,278,000 $83,940,000 $64,202,000 $74,002,000
Investments And Advances $40,277,000 $73,009,000 $43,172,000 $43,172,000
Available For Sale Securities $40,277,000 $73,009,000 $43,172,000 $43,172,000
Goodwill $534,156,000 $533,439,000 $542,571,000 $539,534,000
Net PPE $591,760,000 $449,549,000 $320,306,000 $222,153,000
Accumulated Depreciation $-455,315,000 $-242,206,000 $-124,070,000 $-60,338,000
Gross PPE $1,047,075,000 $691,755,000 $444,376,000 $282,491,000
Leases $21,990,000 $21,023,000 $20,214,000 $16,169,000
Other Properties $19,124,000 $21,863,000 $30,171,000 $50,671,000
Machinery Furniture Equipment $1,005,961,000 $648,869,000 $393,991,000 $215,651,000
Properties $0 $0 $0 $0
Other Short Term Investments $871,425,000 $1,131,628,000 $1,174,653,000 $1,595,373,000
Other Investments - - - -
Fetched: 2026-02-02
Cash Flow Statement (Annual)
Free Cash Flow
Metric 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Free Cash Flow $601,720,000 $290,842,000 $-108,594,000 $-273,899,000
Operating Activities
Metric 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Operating Cash Flow $793,909,000 $450,138,000 $12,181,000 $-162,194,000
Cash Flow From Continuing Operating Activities $793,910,000 $450,138,000 $12,181,000 $-162,194,000
Operating Gains Losses $189,144,000 $394,076,000 $332,093,000 $254,679,000
Investing Activities
Metric 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Capital Expenditure $-192,189,000 $-159,296,000 $-120,775,000 $-111,705,000
Investing Cash Flow $-1,083,064,000 $-1,325,149,000 $-1,653,070,000 $-2,011,338,000
Cash Flow From Continuing Investing Activities $-1,083,065,000 $-1,325,149,000 $-1,653,070,000 $-2,011,338,000
Net Other Investing Changes $-1,282,766,000 $-1,316,719,000 $-1,971,592,000 $-363,289,000
Financing Activities
Metric 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Repurchase Of Capital Stock $-250,000,000 $0 $-109,000 $-86,000
Financing Cash Flow $751,425,000 $913,149,000 $1,349,945,000 $2,037,119,000
Cash Flow From Continuing Financing Activities $751,425,000 $913,149,000 $1,349,945,000 $2,037,119,000
Net Other Financing Charges $-1,365,900,000 $-280,032,000 $-302,855,000 $-198,929,000
Net Common Stock Issuance $-250,000,000 $0 $-109,000 $-86,000
Issuance Of Capital Stock - - $0 $0
Net Preferred Stock Issuance - - $0 $0
Preferred Stock Issuance - - $0 $0
Common Stock Issuance - - $0 $0
Other
Metric 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Repayment Of Debt $-22,287,609,000 $-13,829,388,000 $-6,407,830,000 $-4,642,608,000
Issuance Of Debt $24,594,242,000 $14,989,444,000 $8,044,971,000 $6,804,828,000
Interest Paid Supplemental Data $404,377,000 $318,235,000 $163,191,000 $51,524,000
Income Tax Paid Supplemental Data $2,736,000 $1,187,000 $808,000 $220,000
End Cash Position $1,756,423,000 $1,295,399,000 $1,259,944,000 $1,550,807,000
Beginning Cash Position $1,295,399,000 $1,259,944,000 $1,550,807,000 $1,692,632,000
Effect Of Exchange Rate Changes $-1,245,000 $-2,683,000 $81,000 $-5,412,000
Changes In Cash $462,269,000 $38,138,000 $-290,944,000 $-136,413,000
Proceeds From Stock Option Exercised $60,692,000 $33,125,000 $15,768,000 $73,914,000
Common Stock Payments $-250,000,000 $0 $-109,000 $-86,000
Net Issuance Payments Of Debt $2,306,633,000 $1,160,056,000 $1,637,141,000 $2,162,220,000
Net Long Term Debt Issuance $2,306,633,000 $1,160,056,000 $1,637,141,000 $2,162,220,000
Long Term Debt Payments $-22,287,609,000 $-13,829,388,000 $-6,407,830,000 $-4,642,608,000
Long Term Debt Issuance $24,594,242,000 $14,989,444,000 $8,044,971,000 $6,804,828,000
Net Investment Purchase And Sale $391,891,000 $150,866,000 $455,348,000 $-1,530,345,000
Sale Of Investment $1,215,777,000 $1,136,937,000 $1,537,495,000 $311,035,000
Purchase Of Investment $-823,886,000 $-986,071,000 $-1,082,147,000 $-1,841,380,000
Net Business Purchase And Sale $0 $0 $-16,051,000 $-5,999,000
Purchase Of Business $0 $0 $-16,051,000 $-5,999,000
Net PPE Purchase And Sale $-192,189,000 $-159,296,000 $-120,775,000 $-86,290,000
Purchase Of PPE $-192,189,000 $-159,296,000 $-120,775,000 $-86,290,000
Change In Working Capital $-49,827,000 $-62,352,000 $-134,975,000 $-9,906,000
Change In Other Current Assets $-12,175,000 $31,228,000 $-14,466,000 $-15,021,000
Change In Payables And Accrued Expense $47,300,000 $74,177,000 $-52,819,000 $67,815,000
Change In Accrued Expense $-46,557,000 $-44,031,000 $-30,250,000 $71,197,000
Change In Interest Payable $2,386,000 $11,138,000 $7,915,000 $3,907,000
Change In Payable $93,857,000 $118,208,000 $-22,569,000 $-3,382,000
Change In Account Payable $41,801,000 $12,417,000 $-5,038,000 $-24,686,000
Change In Receivables $-84,952,000 $-167,757,000 $-67,690,000 $-62,700,000
Changes In Account Receivables $-84,952,000 $-167,757,000 $-67,690,000 $-62,700,000
Other Non Cash Items $-516,755,000 $-315,965,000 $-82,979,000 $-401,081,000
Stock Based Compensation $321,433,000 $344,511,000 $451,709,000 $390,983,000
Provisionand Write Offof Assets $616,683,000 $460,628,000 $331,860,000 $255,272,000
Asset Impairment Charge $0 $752,000 $1,244,000 $362,000
Amortization Of Securities $-44,031,000 $-22,799,000 $-36,060,000 $2,192,000
Depreciation Amortization Depletion $225,076,000 $169,044,000 $134,634,000 $52,722,000
Depreciation And Amortization $225,076,000 $169,044,000 $134,634,000 $52,722,000
Gain Loss On Investment Securities $271,562,000 $406,714,000 $421,934,000 $254,679,000
Net Income From Continuing Operations $52,186,000 $-517,757,000 $-985,345,000 $-707,417,000
Net Intangibles Purchase And Sale - $0 $0 $-25,415,000
Purchase Of Intangibles - $0 $0 $-25,415,000
Preferred Stock Payments - - $0 $0
Fetched: 2026-02-02