Affirm Holdings, Inc. (AFRM)

Nasdaq: AFRM · Personal Credit Institutions · San Francisco, CA · filing with the SEC since 2020

Grade6.0

◀ Past 5.6● Present 6.7▶ Future 5.8

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Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts. The fiscal year ends in June.

Income statement, by fiscal year, newest first
Fiscal year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period ending	Jun 30, 2026	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021	Jun 30, 2020	Jun 30, 2019
Report filed	Aug 27, 2026	Aug 28, 2025	Aug 28, 2024	Aug 25, 2023	Aug 29, 2022	Sep 17, 2021	·	·
Revenue	4,261,082	3,224,412	2,322,999	1,587,985	1,349,292	870,464	509,528	264,367
For lenders
Interest and dividend income	2,047,485	1,608,221	1,204,355	685,217	527,880	326,417	186,730	119,404
Provision for credit losses	796,650	616,683	460,628	331,860	255,272	65,878	105,067	78,025
Sales and marketing	342,531	434,847	576,405	638,280	532,343	182,190^r	25,044	16,863
General and administrative	578,312	545,053	525,291	586,398	577,493	383,749^r	121,230	88,902
Total costs and expenses	3,844,105	3,311,685	2,938,846	2,788,847	2,215,340	1,254,131^r	617,318	391,808
Operating income	416,977	-87,273	-615,847	-1,200,862	-866,048	-383,667^r	-107,790	-127,441
Interest expense	454,016	425,451	344,253	183,013	69,694	52,700	32,316	25,895
Other income (expense), net	75,750	148,737	100,320	211,617	141,217	-59,703^r	-4,432	7,022
Income before income taxes	492,727	61,464	-515,527	-989,245	-724,831	-443,370^r	-112,222	-120,419
Income tax expense	-1,437,067	9,279	2,230	-3,900	-17,414	-2,343	376	36
Net income	1,929,793	52,186	-517,757	-985,345	-707,417	-441,027^r	-112,598	-120,455
Net income to common shareholders	·	·	·	·	-707,417	-441,027^r	-125,803	-134,568
Earnings per share, basic	5.76	0.16	-1.67	-3.34	-2.51	-2.78^r	-2.63	-2.84
Earnings per share, diluted	5.53	0.15	-1.67	-3.34	-2.51	-2.94^r	-2.63	-2.84
Weighted average shares, basic	335,155,421	322,851,873	309,857,129	295,343,466	281,704,041	158,367,923	47,856,720	47,345,328
Weighted average shares, diluted	348,846,647	341,023,566	309,857,129	295,343,466	281,704,041	159,244,611	47,856,720	47,345,328

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Revenue what customers paid for what it soldus-gaap:Revenues

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Provision for credit losses set aside for loans that may not be repaidus-gaap:ProvisionForLoanLossesExpensed

Sales and marketing the cost of finding and serving customersus-gaap:SellingAndMarketingExpense

General and administrative the cost of running the company itselfus-gaap:GeneralAndAdministrativeExpense

Total costs and expenses every operating cost, the cost of revenue includedus-gaap:CostsAndExpenses

Operating income profit from running the business, before interest and taxus-gaap:OperatingIncomeLoss

Interest expense what its borrowing costus-gaap:InterestExpenseDebt

Other income (expense), net gains and costs outside the businessus-gaap:OtherNonoperatingIncomeExpense

Income before income taxes profit before taxus-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Net income to common shareholders what is left for common shareholdersus-gaap:NetIncomeLossAvailableToCommonStockholdersBasic

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

SI Assistanton AFRM · research, not advice