Affirm Holdings Inc. Class A (AFRM) Financials

$68.15

$-3.93 (-5.45%)

As on 09-Sep-2026 16:27EDT

Market cap

$24,412 Mln

Revenue (TTM)

$3,949 Mln

P/E Ratio

13.4

P/B Ratio

4.6

Div. Yield

0 %

Annual
Quarterly

Income Statement ($ Mln)	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
Operating Revenue	3,949.22	3,224.41	2,323.00	1,587.99	1,349.29	870.46
Cost of Revenue	1,220.25	1,047.57	845.11	873.16	576.46	322.91
Gross Profit	2,728.96	2,176.84	1,477.89	714.82	772.84	547.55
Operating Expenses	1,858.09	2,264.11	2,093.74	1,915.69	1,638.88	931.22
Operating Profit (EBIT)	870.87	-87.27	-615.85	-1,200.86	-866.05	-383.67
Other Income	--	--	--	211.62	141.22	--
Profit before Tax	492.73	61.46	-515.53	-989.25	-724.83	-443.37
Provision for Tax	-1,437.07	9.28	2.23	-3.90	-17.41	-2.34
Profit after Tax (Net Income)	1,929.79	52.19	-517.76	-985.35	-707.42	-441.03
Minority Interest	--	--	--	--	--	--
Consolidated Profit	--	--	--	-985.35	-707.42	-430.92

Liabilities ($ Mln)	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
Shareholder's Funds	5,483.82	3,069.01	2,731.99	2,534.18	2,618.26	2,575.53
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	10,079.50	7,905.82	6,662.67	5,528.63	4,248.46	2,183.26
Current Liabilities	226.83	180.10	124.96	92.80	107.07	108.18
Total Liabilities	15,790.15	11,154.93	9,519.62	8,155.62	6,973.79	4,866.97

Assets ($ Mln)	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
Non-Current Assets	2,703.74	1,396.31	1,310.11	1,256.25	1,297.22	990.23
Current Assets	2,887.03	9,758.62	8,209.51	6,899.37	5,676.57	3,876.74
Total Assets	15,790.15	11,154.93	9,519.62	8,155.62	6,973.79	4,866.97
Total Debt*	9,823.25	7,853.31	6,614.35	5,451.01	4,143.92	1,982.31
Net Current Assets	12,541.84	9,578.52	8,084.55	6,721.74	5,361.74	3,339.51

Cashflow ($ Mln)	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
Cash From Operating Activities	1,230.97	793.91	450.14	12.18	-162.19	-193.13
Cash Flow from Investing Activities	-2,553.43	-1,083.06	-1,325.15	-1,653.07	-2,011.34	-1,022.03
Cash from Financing Activities	2,009.69	751.43	913.15	1,349.95	2,037.12	2,577.83
Net Cash Inflow / Outflow	--	--	--	-290.94	-136.41	--

Financials Ratios	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
Adjusted EPS ($)	5.52	0.15	-1.64	-3.29	-2.46	-1.65
Cash EPS ($)	6.39	0.81	-1.11	-2.84	-2.27	-1.58
Adjusted Book Value ($)	15.68	8.96	8.66	8.46	9.09	9.64
Dividend per Share ($)	--	--	--	--	--	--
Cash Flow per Share ($)	3.52	2.32	1.43	0.04	-0.56	-0.72
Free Cash Flow per Share ($)	2.84	1.76	0.92	-0.36	-0.95	-0.80

Profitability Ratios	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
ROCE (%)	14.71	0.51	-5.97	-13.36	-12.50	-17.27
ROE (%)	45.13	1.80	-19.66	-38.25	-27.24	-39.94
ROA (%)	14.32	0.50	-5.86	-13.03	-11.95	-14.07
EBIT Margin (%)	23.96	15.10	-7.37	-50.77	-48.55	-44.88
Net Margin (%)	48.87	1.62	-22.29	-54.75	-47.46	-50.67
Cash Profit Margin (%)	--	--	--	--	--	--

Growth Ratios	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
Revenue Growth (%)	0.22	0.39	0.46	0.18	0.55	0.71
EBIT Growth (%)	94.36	384.29	78.76	-23.06	-67.70	-388.91
Net Profit Growth (%)	3,597.91	110.08	47.45	-39.29	-60.40	-291.68
EPS Growth (%)	35.22	1.09	0.50	-0.34	-0.49	-2.08
Book Value Growth (%)	--	--	--	--	--	--

Valuation Ratios	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
Price / Earnings	14.78	453.86	-18.41	-4.66	-7.36	-40.82
Price / Book Value	5.20	7.72	3.49	1.81	1.99	6.99
Dividend Yield (%)	--	--	--	--	--	--
EV/EBITDA	28.22	41.17	-6,278.17	-11.88	-10.78	-49.91
Close Price ($)	81.55	69.14	30.21	15.33	18.06	67.35
High Price ($)	100.00	82.53	52.48	40.97	176.65	146.90
Low Price ($)	42.10	22.25	12.81	8.62	13.64	46.50
Market Cap ($ Cr)	--	--	--	--	--	--

Solvency Ratios	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
Debt to Equity	1.79	2.56	2.42	2.15	1.58	0.77
Short term debt to equity ratio	0.04	0.07	0.01	0.09	0.01	0.04
Current Ratio	12.73	54.19	65.70	74.34	53.02	35.83
Quick Ratio	--	--	68.37	74.34	53.69	37.42
Interest Coverage	2.09	1.14	-0.50	-4.41	-9.40	-7.41

Operating Efficiency Ratios	Jun-26	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19	Jun-18	Jun-17	Jun-16
Debtors to sales (%)	7.20	218.91	246.76	278.01	184.56	232.35
Asset Turnover	0.29	0.31	0.26	0.21	0.23	0.28
Receivable days	339.56	724.45	797.72	794.10	610.80	436.72
Inventory Days	--	-116.56	-72.25	-15.20	-77.45	-97.16
Payable days	25.06	21.59	15.04	12.90	28.78	43.05
Cash Conversion Cycle	--	586.29	710.43	766.00	504.57	296.50