Affirm Holdings (AFRM) Financial Statements & Analysis

Affirm Holdings Income Statement Analysis

Values in billions USD

Income Statement Balance Sheet Cash Flow Ratios

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Affirm Holdings, Inc. income statement - Annual data in billions USD
Breakdown	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period ending	Jun 2026	Jun 2025	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020	Jun 2019
Revenue & Gross Profit
Revenue	4.26	3.22	2.32	1.59	1.35	0.87	0.51	0.26
Cost of Revenue	1.36	1.05	0.85	0.91	0.58	0.32	0.17	0.11
Gross Profit	2.90	2.18	1.48	0.68	0.77	0.55	0.34	0.16
Operating Expenses
Research & Development	0.75	0.00	0.00	0.62	0.00	0.00	0.00	0.07
Selling, General & Administrative	0.92	0.98	1.10	1.22	1.11	0.57	0.15	0.11
Operating Expenses	2.03	2.26	2.09	1.84	1.64	0.93	0.45	0.26
Operating Income	0.87	-0.09	-0.62	-1.16	-0.87	-0.38	-0.11	-0.10
Other Income/Expense
Interest Income	2.05	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Interest Expense	0.45	0.43	0.34	0.00	0.07	0.05	0.03	0.03
Other Income/Expense	0.08	0.15	0.10	0.13	0.14	-0.06	0.00	0.01
Income
Income Before Tax	0.49	0.06	-0.52	-0.99	-0.72	-0.44	-0.11	-0.12
Income Tax Expense	-1.44	0.01	0.00	0.00	-0.02	0.00	0.00	0.00
Net Income	1.93	0.05	-0.52	-0.99	-0.71	-0.44	-0.11	-0.12
Net Income - Continuous Operations	1.93	0.05	-0.52	-0.99	-0.71	-0.44	-0.11	-0.12
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-
EBITDA	1.25	0.71	0.00	-0.94	-0.60	-0.37	-0.07	-0.09
EBIT	0.95	0.49	-0.61	-1.16	-0.66	-0.37	-	-
Depreciation & Amortization	0.30	0.23	0.17	0.22	0.05	0.02	0.01	0.01
Earnings Per Share
Basic EPS	6.00	-	-2.00	-3.00	-3.00	-2.00	-	-
Diluted EPS	6.00	-	-2.00	-3.00	-3.00	-2.00	-	-
Basic Shares Outstanding	0.34	0.32	0.31	0.30	0.28	0.27	0.26	0.26
Diluted Shares Outstanding	0.35	0.34	0.31	0.30	0.28	0.27	0.26	0.26

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Affirm Holdings Financial Statements

What was Affirm Holdings's revenue in fiscal 2026?

Affirm Holdings reported revenue of $4.26B in fiscal 2026 (fiscal year ended Jun 30, 2026). That was up 32.2% from $3.22B a year earlier.

Is Affirm Holdings profitable?

Yes. Affirm Holdings earned net income of $1.93B in fiscal 2026, a net margin of 45.3%. In fiscal 2025 it earned $52.19M.

What is Affirm Holdings's operating margin?

Affirm Holdings's operating income was $870.99M on revenue of $4.26B in fiscal 2026, an operating margin of 20.4%, compared with -2.7% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition