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Affirm Holdings Inc

Financial Services US AFRM

66.27USD
-4.74(6.68%)

Last update at 2026-06-03T20:27:00Z

Day Range

64.9070.65
LowHigh

52 Week Range

42.09100.00
LowHigh

Fundamentals

  • Previous Close 71.01
  • Market Cap22338.40M
  • Volume5306228
  • P/E Ratio82.79
  • Dividend Yield-%
  • EBITDA527.05M
  • Revenue TTM3715.91M
  • Revenue Per Share TTM11.30
  • Gross Profit TTM 1775.34M
  • Diluted EPS TTM0.81

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Income before tax 61.46M -515.52700M -989.24500M -724.83100M -433.26600M
Minority interest - - - - -
Net income 52.19M -517.75700M -985.34500M -707.41700M -430.92300M
Selling general administrative 545.05M 525.29M 586.40M 577.49M 370.25M
Selling and marketing expenses 434.85M 576.40M 638.28M 532.34M 184.28M
Gross profit 2176.84M 1477.89M 714.82M 772.84M 540.62M
Reconciled depreciation 225.08M 169.04M 134.63M 52.72M 19.98M
Ebit 486.92M -171.27400M -770.36200M -796.35400M -326.49300M
Ebitda 711.99M -2.23000M -635.72800M -743.63200M -360.58700M
Depreciation and amortization 225.08M 169.04M 134.63M 52.72M -34.09400M
Non operating income net other - - 211.62M 141.22M -
Operating income -87.27300M -615.84700M -1200.86200M -796.35400M -326.49300M
Other operating expenses 3311.68M 2938.85M 2569.96M 2145.65M 1196.96M
Interest expense 425.45M 344.25M 183.01M 69.69M 52.70M
Tax provision 9.28M 2.23M -3.90000M -17.41400M -2.34300M
Interest income - - - - -
Net interest income -425.45100M -344.25300M -183.01300M -69.69400M -52.70000M
Extraordinary items - - - - -
Non recurring - - 35.87M - -
Other items - - - - -
Income tax expense 9.28M 2.23M -3.90000M -17.41400M -2.34300M
Total revenue 3224.41M 2323.00M 1587.98M 1349.29M 870.46M
Total operating expenses 2264.11M 2093.74M 1696.80M 1569.19M 867.11M
Cost of revenue 1047.57M 845.11M 873.16M 576.46M 329.85M
Total other income expense net 148.74M 100.32M 175.75M 71.52M -106.77300M
Discontinued operations - - - - -
Net income from continuing ops 52.19M -517.75700M -985.34500M -707.41700M -430.92300M
Net income applicable to common shares - - -985.34500M -707.41700M -430.92300M
Preferred stock and other adjustments - - - - -
Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Total assets 11154.93M 9519.62M 8155.61M 6973.79M 4866.97M
Intangible assets 12.94M 13.50M 34.43M 78.94M 67.93M
Earning assets - - - - -
Other current assets 474.18M 350.79M 367.99M 368.31M 371.45M
Total liab 8085.92M 6787.63M 5621.43M 4355.54M 2285.81M
Total stockholder equity 3069.01M 2731.99M 2534.18M 2618.26M 2581.15M
Deferred long term liab - - - - -
Other current liab 97.28M 67.20M 117.47M 244.26M 320.70M
Common stock 0.00300M 0.00300M 0.00300M 0.00300M 0.00300M
Capital stock 0.00300M 0.00300M 0.00300M 0.00300M 0.00300M
Retained earnings -3056.81800M -3109.00400M -2591.24700M -1605.90200M -888.38100M
Other liab - - 77.62M 104.54M 195.32M
Good will 534.16M 533.44M 542.57M 539.53M 516.51M
Other assets 0.00100M -727.63300M 347.32M 0.03M 502.06M
Cash 1354.45M 1013.11M 892.03M 1255.17M 1466.56M
Cash and equivalents - - - - -
Total current liabilities 180.10M 124.96M 146.07M 277.33M 378.46M
Current deferred revenue - -100.68200M - - -
Net debt 6498.85M 5601.24M 4558.98M 2823.04M 440.80M
Short term debt 199.76M 16.74M 1764.81M 672.58M 680.60M
Short long term debt - - - - -
Short long term debt total 7853.31M 6614.35M 5451.01M 4078.21M 1907.35M
Other stockholder equity 6140.89M 5862.56M 5140.85M 4231.30M -1404.20500M
Property plant equipment - - 290.13M 171.48M 62.50M
Total current assets 9758.62M 2514.23M 6867.81M 5639.07M 3717.97M
Long term investments 40.28M 73.01M 1174.73M 1598.04M 11.28M
Net tangible assets - - 1957.18M 1999.78M 1996.71M
Short term investments 871.42M 1131.63M 1174.65M 1595.37M -
Net receivables 7058.55M 353.03M 4397.59M 2492.89M 2025.34M
Long term debt 7821.36M 6574.85M 3579.78M 4078.21M 1907.35M
Inventory - -334.31900M - -72.66900M -
Accounts payable 82.82M 41.02M 28.60M 33.07M 57.76M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -15.06900M -21.56500M -15.42300M -7.14900M 6.77M
Additional paid in capital - - - - -
Common stock total equity - - 0.00300M 0.00300M 0.00300M
Preferred stock total equity - - - - -
Retained earnings total equity - - -2591.24700M -1605.90200M -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 203.25M 1212.01M 296.77M 501.59M 502.06M
Deferred long term asset charges - - - - -
Non current assets total 1396.31M 7733.02M 1287.80M 1334.72M 1149.00M
Capital lease obligations 31.94M 39.49M 52.56M 65.71M 74.95M
Long term debt total - - 3579.78M 3334.25M -
Breakdown 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Type yearly yearly yearly yearly yearly
Date 2025-06-30 2024-06-30 2023-06-30 2022-06-30 2021-06-30
Investments -1083.06400M -1325.14900M -1519.95000M -2030.97200M -1022.03300M
Change to liabilities - - -35.28800M 46.51M 32.22M
Total cashflows from investing activities -1083.06400M -1325.14900M -1653.07000M -2011.33800M -1022.03300M
Net borrowings 2306.63M 1160.06M 1408.13M 2148.47M 962.66M
Total cash from financing activities 751.42M 913.15M 1349.94M 1997.60M 2577.83M
Change to operating activities - - -62.24700M 77.48M -63.03700M
Net income 52.19M -517.75700M -985.34500M -707.41700M -430.92300M
Change in cash 461.02M 35.45M -290.86300M -141.82500M 1364.50M
Begin period cash flow 1295.40M 1259.94M 1550.81M 1692.63M 328.13M
End period cash flow 1756.42M 1295.40M 1259.94M 1550.81M 1692.63M
Total cash from operating activities 793.91M 450.14M 12.18M -113.80000M -193.13000M
Issuance of capital stock - - 0.00000M 0.00000M 1739.72M
Depreciation 225.08M 169.04M 134.63M 52.72M 19.98M
Other cashflows from investing activities -1282.76600M -1316.71900M -12.34500M -67.15600M -30.72500M
Dividends paid - - - - 4819.72M
Change to inventory - - - - -
Change to account receivables -84.95200M -167.75700M -67.69000M -62.70000M -22.93400M
Sale purchase of stock -250.00000M -189.16900M -0.10900M -0.08600M -0.81300M
Other cashflows from financing activities -292.35200M -183.34600M 7964.45M 6622.42M 9468.66M
Change to netincome - - 329.79M 406.04M 196.04M
Capital expenditures 192.19M 159.30M 120.78M 111.70M 20.25M
Change receivables - - -67.69000M -62.70000M -
Cash flows other operating - - 615.55M 86.50M -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - -290.94400M -136.41300M -
Change in working capital -49.82700M -62.35200M -134.97500M -9.65900M -53.74800M
Stock based compensation 321.43M 344.51M 451.71M 390.98M 288.03M
Other non cash items 245.04M 516.69M -82.97900M 159.57M -93.89300M
Free cash flow 601.72M 290.84M -108.59400M -225.50500M -213.38200M

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
AFRM
Affirm Holdings Inc		 -4.74 6.68% 66.27 82.79 39.22 6.01 6.30 7.88 29.48
V
Visa Inc. Class A		 -4.92 1.55% 312.40 31.25 25.97 16.18 13.64 16.19 23.37
MA
Mastercard Inc		 -6.13 1.28% 471.55 37.04 29.50 16.14 62.35 16.47 27.24
AXP
American Express Company		 -10.4 3.34% 300.57 21.46 18.83 3.38 6.76 3.93
COF
Capital One Financial Corporation		 -6.22 3.38% 177.62 61.36 10.04 3.84 1.12 3.02

Reports Covered

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Profile

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.

Affirm Holdings Inc

650 California Street, San Francisco, CA, United States, 94108

Key Executives

Name Title Year Born
Mr. Max Roth Levchin Founder, CEO & Director 1976
Mr. Libor Michalek Pres & Director 1974
Mr. Michael A. Linford Chief Financial Officer 1983
Ms. Katherine Adkins Esq. Chief Legal Officer & Sec. 1962
Ms. Silvija Martincevic Consultant 1980
Ms. Katrina Holt Sr. VP of Operations NA
Mr. Ronald Clark VP of Investor Relations NA
Mr. Sandeep Bhandari Chief Risk & Strategy Officer 1973
Mr. Geoff Kott Chief Revenue Officer NA
Mr. Eduardo Vilar Sr. VP of Merchant Solutions NA

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