Saturday 17 October 2026
Export AFRM’s income statement to Excel — free account
Affirm Holdings, Inc.
AFRM Financial Credit Services
Affirm Holdings, Inc.’s revenue for fiscal 2026 (year ended June 2026) was $4.3 billion, up 32.2% from fiscal 2025. In the quarter to June 2026, revenue grew 33.0%, EPS grew 2,171.4%, free cash flow grew 875.0% and total debt rose 27.8%, each against the same quarter a year earlier. Revenue growth for five consecutive years, operating cash flow growth for five.
74.01
1.91
−2.52%
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| Jun '17 | Jun '19 | Jun '20 | Jun '21 | Jun '22 | Jun '23 | Jun '24 | Jun '25 | Jun '26 | |
|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
— | — | — | 2 | 3 | 2 | 6 | 6 | 7 |
P/E ratio |
— | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 432.13 | 14.28 |
P/S ratio |
— | 10.19 | 10.19 | 12.25 | 3.77 | 2.85 | 3.98 | 6.92 | 6.41 |
P/FCF ratio |
— | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 31.78 | 37.10 | 27.53 |
P/Operating CF |
— | (143.18) | (143.18) | (535.63) | (86.07) | 103.40 | 134.42 | 299.07 | 92.29 |
P/B ratio |
— | 0.00 | 0.00 | 4.14 | 1.94 | 1.79 | 3.38 | 7.27 | 4.98 |
Price to Tangible BV |
— | 0.00 | 0.00 | 5.36 | 2.54 | 2.31 | 4.23 | 8.85 | 5.54 |
EV/Sales |
— | 10.47 | 10.47 | 12.47 | 4.46 | 4.72 | 5.76 | 8.53 | 7.96 |
EV/EBITDA |
— | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 79.52 |
EV/Operating CF |
— | (80.96) | (80.96) | (56.19) | (37.10) | 615.01 | 29.75 | 34.66 | 27.56 |
EV/FCF |
— | (69.29) | (69.29) | (50.86) | (24.21) | (68.99) | 46.04 | 45.73 | 34.17 |
Quick Ratio |
— | 14.49 | 8.15 | 4.72 | 11.87 | 11.81 | 13.07 | 11.54 | 11.80 |
Current Ratio |
— | 14.49 | 8.15 | 4.72 | 11.87 | 11.81 | 13.07 | 11.54 | 11.80 |
Net Debt/EBITDA |
— | (1.61) | (4.73) | (0.49) | (1.07) | (2.61) | (7.41) | (83.43) | 15.44 |
Debt/Assets |
0.00% | 51.02% | 65.41% | 39.19% | 58.48% | 66.19% | 69.07% | 70.12% | 63.29% |
Debt/Equity |
— | 1.10 | (2.50) | 0.74 | 1.56 | 2.13 | 2.41 | 2.55 | 1.82 |
Asset Turnover |
— | 0.46 | 0.40 | 0.28 | 0.23 | 0.21 | 0.26 | 0.31 | 0.32 |
Operating CF/Net income |
— | 0.65 | 0.57 | 0.44 | 0.23 | (0.01) | (0.87) | 15.21 | 0.64 |
Capex/Depreciation |
— | 1.71 | 1.33 | (3.95) | 26.84 | (1.90) | (2.84) | (7.68) | (24.84) |
| — | 42.72% | 39.91% | (39.94%) | (27.24%) | (38.25%) | (19.66%) | 1.80% | 45.13% | |
| — | (23.43%) | (9.86%) | (14.07%) | (11.95%) | (13.03%) | (5.86%) | 0.50% | 14.32% | |
ROIC |
— | (10.49%) | (30.98%) | (8.68%) | (15.26%) | (13.65%) | (5.59%) | (0.66%) | 2.16% |
Return on Tangible Assets |
— | (32.82%) | (32.12%) | (29.56%) | (22.21%) | (36.48%) | (17.29%) | 1.55% | 47.49% |
Average Days of Receivables |
— | 59.51 | 42.27 | 38.40 | 38.43 | 45.76 | 55.47 | 48.24 | 24.36 |
Research and Development Expense of Revenue |
— | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
— | 40.01% | 28.71% | 65.02% | 82.25% | 77.12% | 47.43% | 30.39% | 21.61% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.12 | 0.09 | 0.07 | 0.06 | 0.05 | 0.03 |
Share Based Compensation of Revenue |
— | 12.75% | 5.81% | 33.60% | 28.98% | 28.45% | 14.83% | 9.97% | 7.15% |
Graham Net Nets |
— | (0.15) | (0.15) | (0.04) | (0.21) | (0.66) | (0.43) | (0.23) | (0.24) |
Graham Number |
— | 0.00 | 20.15 | 0.00 | 0.00 | 0.00 | 0.00 | 5.85 | 45.85 |
Earnings Yield |
— | (1.64%) | (1.64%) | (3.05%) | (14.06%) | (21.79%) | (5.63%) | 0.23% | 7.00% |
Free Cash Flow Yield |
— | (1.48%) | (1.48%) | (2.00%) | (4.88%) | (2.40%) | 3.15% | 2.70% | 3.63% |
Revenue per Share |
— | 5.58 | 10.65 | 5.50 | 4.79 | 5.38 | 7.50 | 9.99 | 12.71 |
Operating CF per Share |
— | (1.85) | (1.49) | (1.22) | (0.58) | 0.04 | 1.45 | 2.46 | 3.67 |
Capex per Share |
— | (0.45) | (0.44) | (0.13) | (0.40) | (0.41) | (0.51) | (0.60) | (0.71) |
Free Cash Flow per Share |
— | (2.30) | (1.93) | (1.35) | (0.97) | (0.37) | 0.94 | 1.86 | 2.96 |
Cash per Share |
— | 7.63 | 6.95 | 10.87 | 11.18 | 8.24 | 7.83 | 8.14 | 10.16 |
Shareholders Equity per Share |
— | 11.29 | (7.67) | 16.26 | 9.29 | 8.58 | 8.82 | 9.51 | 16.36 |
Interest Debt per Share |
— | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
— | 11.29 | (7.67) | 16.26 | 9.29 | 8.58 | 8.82 | 9.51 | 16.36 |
Free Cash Flow |
— | (108.90) | (92.32) | (213.38) | (273.90) | (108.59) | 290.84 | 601.72 | 992.63 |
Working Capital |
— | 376.40 | 343.56 | 1,429.32 | 3,013.57 | 2,410.78 | 2,567.32 | 2,789.47 | 3,377.33 |
Capital Expenditures |
— | (21.25) | (21.02) | (20.25) | (111.70) | (120.77) | (159.30) | (192.19) | (238.35) |
Net Current Asset Value |
— | (209.55) | (1,377.76) | (478.03) | (1,064.63) | (2,987.67) | (4,007.54) | (5,031.89) | (6,616.28) |
EV/EBIT |
— | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 81.35 |
Capex to Sales |
— | 0.08 | 0.04 | 0.02 | 0.08 | 0.08 | 0.07 | 0.06 | 0.06 |
Price to Operating Income |
— | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 65.55 |
| Other line items | |||||||||
Depreciation/Fixed assets |
— | (0.37) | (0.33) | 0.08 | (0.02) | 0.22 | 0.13 | 0.04 | 0.01 |
Cash ROIC |
— | (7.35%) | (10.46%) | (3.44%) | (2.78%) | (1.05%) | 2.48% | 4.45% | 5.26% |
Accounts Receivable Turnover |
— | 5.18 | 9.98 | 11.56 | 11.55 | 9.31 | 8.41 | 8.28 | 11.99 |
Accounts Payable Turnover |
— | 9.29 | 14.01 | 9.87 | 14.23 | 34.25 | 34.17 | 23.79 | 21.67 |
Inventory Turnover |
— | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
— | 29.40 | 32.77 | 56.13 | 18.68 | 9.88 | 12.59 | 20.52 | 17.03 |
Days of Inventory on Hand |
— | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
— | 51.00 | 51.05 | 75.29 | 116.81 | 170.57 | 276.06 | 389.60 | 355.26 |
Average Payables |
— | 14.50 | 14.60 | 38.06 | 45.42 | 30.84 | 34.81 | 61.92 | 83.73 |
Average Assets |
— | 574.25 | 1,275.38 | 3,134.61 | 5,920.38 | 7,564.70 | 8,837.62 | 10,337.27 | 13,472.54 |
Average Common Equity |
— | (315.00) | (315.25) | 1,104.22 | 2,596.89 | 2,576.22 | 2,633.09 | 2,900.50 | 4,276.42 |
Columns are period end dates