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AFRMNasdaq SEC EDGAR

Affirm Holdings, Inc.

Personal Credit Institutions·SAN FRANCISCO, CA·FY end 06/30·CIK 1820953
OverviewFinancialsCompensationGovernanceInsidersFilings

Financials

5-year history · USD
MetricFY 2025FY 2024FY 2023FY 2022FY 2021Trend
Revenue$3.2B$2.3B$1.6B$1.3B$870.5M
Gross Profit——————
Operating Income-$87.3M-$615.8M-$1.2B-$866.0M-$379.2M
Net Income$52.2M-$517.8M-$985.3M-$707.4M-$430.9M
Operating CF$793.9M$450.1M$12.2M-$162.2M-$193.1M
Capex$192.2M$159.3M$120.8M$86.3M$20.3M
Free Cash Flow$601.7M$290.8M-$108.6M-$248.5M-$213.4M
Buybacks$250.0M$0$109.0K$86.0K$800.0K
Dividends——————
Gross Margin——————
Operating Margin-2.7%-26.5%-75.6%-64.2%-43.6%
Net Margin1.6%-22.3%-62.1%-52.4%-49.5%
FCF Margin18.7%12.5%-6.8%-18.4%-24.5%
R&D / Revenue——————
Effective Tax15.1%-0.4%0.4%2.4%0.5%
Debt / Equity2.480.67———
Buybacks / FCF41.5%0.0%-0.1%-0.0%-0.4%

Peer comparison

Personal Credit Institutions · 3 peers
CEO Pay Ratio
AFRM
74:1
CACC
641:1
OMF
172:1
NNI
36:1
CEO total comp
AFRM
$1M
CACC
$27M
OMF
$15M
NNI
$2M
Net Margin
AFRM
1.6%
CACC
18.3%
OMF
—
NNI
—