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