Affirm Holdings, Inc. Financials

Affirm Holdings, Inc. (AFRM) reported $3.2B in total revenue for fiscal year 2025. This represents a 38.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

Affirm Holdings, Inc. (AFRM) revenue grew by 38.8% year-over-year, from $2.3B to $3.2B in fiscal year 2025.

Yes, Affirm Holdings, Inc. (AFRM) reported a net income of $52.2M in fiscal year 2025, with a net profit margin of 1.6%.

Affirm Holdings, Inc. (AFRM) reported diluted earnings per share of $0.15 for fiscal year 2025. This represents a 109.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Affirm Holdings, Inc. (AFRM) had EBITDA of $137.8M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

As of fiscal year 2025, Affirm Holdings, Inc. (AFRM) had $1.4B in cash and equivalents against $7.6B in long-term debt.

Affirm Holdings, Inc. (AFRM) had an operating margin of -2.7% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

Affirm Holdings, Inc. (AFRM) had a net profit margin of 1.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Affirm Holdings, Inc. (AFRM) has a return on equity of 1.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

Affirm Holdings, Inc. (AFRM) generated $601.7M in free cash flow during fiscal year 2025. This represents a 106.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

Affirm Holdings, Inc. (AFRM) generated $793.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

Affirm Holdings, Inc. (AFRM) had $11.2B in total assets as of fiscal year 2025, including both current and long-term assets.

Affirm Holdings, Inc. (AFRM) invested $192.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Yes, Affirm Holdings, Inc. (AFRM) spent $250.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Affirm Holdings, Inc. (AFRM) had a debt-to-equity ratio of 2.48 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

Affirm Holdings, Inc. (AFRM) had a return on assets of 0.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

Affirm Holdings, Inc. (AFRM) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals.

Affirm Holdings, Inc. (AFRM) has an earnings quality ratio of 15.21x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation.

Affirm Holdings, Inc. (AFRM) has an interest coverage ratio of -0.2x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline.

Affirm Holdings, Inc. (AFRM) scores 44 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks.