Affirm Holdings (AFRM) Balance Sheet: Assets & Liabilities

Affirm Holdings (AFRM) Balance Sheet

As of Jun 30, 2026 (end of fiscal 2026), Affirm Holdings reported total assets of $15.79B and total liabilities of $10.31B. Shareholders' equity was $5.48B, up 78.7% from $3.07B a year earlier. Total debt stood at $9.82B against $2.60B in cash and short-term investments, a net debt position of $7.22B. That puts debt-to-equity at 1.79, compared with 2.61 a year earlier.

Affirm Holdings Balance Sheet Analysis

Values in billions USD

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for Affirm Holdings, Inc. (AFRM) - 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
Current Assets
Cash and Cash Equivalents	2.43	1.35	1.01	0.89	1.26	1.69	0.27	0.32
Short-Term Investments	0.65	0.87	1.13	0.10	1.60	0.02	0.00	0.00
Cash & Short-Term Investments	2.60	2.23	2.14	0.99	2.85	1.47	0.27	0.32
Accounts Receivable	0.28	0.43	5.73	0.22	0.14	0.12	0.06	0.04
Inventory	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Current Assets	0.00	0.07	0.33	0.05	0.34	0.13	1.01	0.72
Total Current Assets	2.89	9.75	8.21	1.62	5.68	1.96	1.34	1.08
Non-Current Assets
Property, Plant & Equipment (Net)	0.69	0.59	0.45	0.29	0.22	0.06	0.05	0.03
Long-Term Investments	0.43	7.50	0.07	5.37	0.04	1.93	0.00	0.67
Goodwill	0.52	0.53	0.53	0.54	0.54	0.52	0.00	0.00
Intangible Assets	0.03	0.01	0.01	0.03	0.08	0.07	0.00	0.00
Other Non-Current Assets	-0.43	0.16	0.22	0.24	0.36	0.27	0.01	-0.64
Total Non-Current Assets	2.70	1.40	1.31	1.26	1.30	0.99	0.06	0.07
Total Assets	15.79	11.15	9.52	8.16	6.97	4.87	1.40	1.15
Current Liabilities
Accounts Payable	0.08	0.08	0.04	0.03	0.03	0.06	0.02	0.01
Short-Term Debt	0.23	0.20	0.00	0.00	0.00	0.00	0.00	0.00
Accrued Liabilities	0.15	0.10	0.17	0.19	0.07	0.33	-	-
Other Current Liabilities	-0.08	0.00	0.08	0.05	0.06	0.05	0.02	0.01
Total Current Liabilities	0.23	0.18	0.12	0.15	0.11	0.11	0.04	0.02
Non-Current Liabilities
Long-Term Debt	9.60	7.82	6.61	5.34	4.08	1.86	0.92	0.59
Other Non-Current Liabilities	0.48	0.05	0.05	0.02	0.05	0.20	0.82	0.81
Total Non-Current Liabilities	10.08	7.91	6.66	5.53	4.25	2.18	1.73	1.39
Total Liabilities	10.31	8.09	6.79	5.62	4.36	2.29	1.77	1.41
Stockholders' Equity
Common Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Retained Earnings	-1.13	-3.06	-3.11	-2.59	-1.61	-0.90	-0.45	-0.32
Accumulated Other Comprehensive Income	-0.04	-0.02	-0.02	-0.02	-0.01	0.01	0.00	0.00
Additional Paid-in Capital	6.65	6.14	5.86	5.14	4.23	3.47	0.08	0.05
Shares Outstanding	0.34	0.33	0.31	0.30	0.29	-	-	-
Total Stockholders' Equity	5.48	3.07	2.73	2.53	2.62	2.58	-0.37	-0.26
Total Liabilities & Equity	15.79	11.15	9.52	8.16	6.97	4.87	1.40	1.15

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 Balance Sheet

How much debt does Affirm Holdings have?

Affirm Holdings had total debt of $9.82B as of Jun 30, 2026, against $2.60B in cash and short-term investments. Its debt-to-equity ratio was 1.79. Total debt was $8.02B a year earlier.

What are Affirm Holdings's total assets?

Affirm Holdings reported total assets of $15.79B as of Jun 30, 2026, up 41.6% from $11.15B a year earlier. Total liabilities were $10.31B.

What is Affirm Holdings's shareholders' equity?

Affirm Holdings's shareholders' equity was $5.48B as of Jun 30, 2026, or about $16.26 of book value per share.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition