stockrowAffirm 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.
- Revenue
- +35.2%
- EPS
- +100.0%
- Free cash flow
- −54.9%
- Total debt
- +27.8%
Quarter to September 2026, against a year earlier
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Affirm Holdings, Inc. (AFRM) Return on invested capital
Affirm Holdings, Inc.'s return on invested capital over the twelve months to 30 September 2026 was 15.0%, up 12.9 percentage points from fiscal 2026 (2.16%). Over the past ten years it has ranged from −31.0% (fiscal 2020) to 2.16% (fiscal 2026) — the current reading is the highest in ten years. That is above the Credit Services industry median of 4.56% and above the Financial sector median of 4.70%.
Return on invested capital, annual
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Annual newest first
| Period | Return on invested capital | Change (points) |
|---|---|---|
| FY2026 | 2.16% | 2.82 |
| FY2025 | −0.66% | 4.93 |
| FY2024 | −5.59% | 8.06 |
| FY2023 | −13.7% | 1.61 |
| FY2022 | −15.3% | (6.58) |
| FY2021 | −8.68% | 22.30 |
| FY2020 | −31.0% | (20.49) |
| FY2019 | −10.5% | — |
Against its own ten years
Return on invested capital against peers
| Company | Return on invested capital |
|---|---|
| PYPL PayPal Holdings, Inc. compare | 16.1% |
| SYF Synchrony Financial compare | 15.4% |
| AFRM Affirm Holdings, Inc. | 15.0% |
| FCFS FirstCash Holdings, Inc. compare | 9.40% |
| COF Capital One Financial Corporation compare | 7.53% |
| SOFI SoFi Technologies, Inc. compare | 4.90% |
| ALLY Ally Financial Inc. compare | 4.56% |
| OMF OneMain Holdings, Inc. compare | 2.29% |
| KLAR Klarna Group plc compare | 0.00% |
| Credit Services industry median | 4.56% |
| Financial sector median | 4.70% |
| Market median | 0.00% |
What Return on invested capital is
Return on Invested Capital shows how much after-tax operating profit a company earns on the money its lenders and shareholders have put in.
TTM: (Operating Income × 0.625) ÷ (Shareholders Equity (Total) (latest quarter) + Long Term Debt (Total) (latest quarter) + Current Part of Debt (latest quarter) − Cash & Short Term Investments (latest quarter)); Annual: (Operating Income × 0.625) ÷ (Shareholders Equity (Total) + Long Term Debt (Total) + Current Part of Debt − Cash & Short Term Investments)
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- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement