FN2 Earnings Intelligence
Affirm Holdings, Inc. ratios
Affirm Holdings, Inc. (AFRM) Ratios (annual) derived from persisted SEC financial facts.
Key Stats
USD in millions, except per-share values and percentages.
| Metric | 6/30/2021 | 6/30/2022 | 6/30/2023 | 6/30/2024 | 6/30/2025 | 6/30/2026 est. | 6/30/2027 est. |
|---|---|---|---|---|---|---|---|
| Market Cap | - | - | - | - | - | - | - |
| - Cash | $1,466.6 | $1,255.2 | $892 | $1,013.1 | $1,354.5 | - | - |
| + Debt | - | - | - | - | - | - | - |
| Enterprise Value | - | - | - | - | - | - | - |
| Revenue | $870.5 | $1,349.3 | $1,588 | $2,323 | $3,224.4 | $4,203.5 | $5,485.8 |
| % Growth | - | 55.0% | 17.7% | 46.3% | 38.8% | 30.4% | 30.5% |
| Gross Profit | - | - | - | - | - | - | - |
| % Margin | - | - | - | - | - | - | - |
| EBITDA | -$359.2 | -$813.3 | -$1,066.2 | -$446.8 | $137.8 | - | - |
| % Margin | -41.3% | -60.3% | -67.1% | -19.2% | 4.3% | - | - |
| Net Income | -$430.9 | -$707.4 | -$985.3 | -$517.8 | $52.2 | - | - |
| % Margin | -49.5% | -52.4% | -62.0% | -22.3% | 1.6% | - | - |
| Diluted EPS | -$2.88 | -$2.51 | -$3.34 | -$1.67 | $0.15 | $1.24 | $1.98 |
| % Growth | - | 12.8% | -33.1% | 50.0% | 109.0% | 727.5% | 59.6% |
| Operating Cash Flow | -$193.1 | -$162.2 | $12.2 | $450.1 | $793.9 | - | - |
| CapEx | $20.3 | $86.3 | $120.8 | $159.3 | $192.2 | - | - |
| Free Cash Flow | -$213.4 | -$248.5 | -$108.6 | $290.8 | $601.7 | - | - |
Historical market capitalization is not persisted, so Market Cap and Enterprise Value remain unavailable rather than mixing today's market value into prior periods.
Income Statement
USD in millions, except per-share values and percentages.
| Metric | 6/30/2021 | 6/30/2022 | 6/30/2023 | 6/30/2024 | 6/30/2025 | 6/30/2026 est. | 6/30/2027 est. |
|---|---|---|---|---|---|---|---|
| Revenue | $870.5 | $1,349.3 | $1,588 | $2,323 | $3,224.4 | $4,203.5 | $5,485.8 |
| Gross Profit | - | - | - | - | - | - | - |
| EBITDA | -$359.2 | -$813.3 | -$1,066.2 | -$446.8 | $137.8 | - | - |
| Net Income | -$430.9 | -$707.4 | -$985.3 | -$517.8 | $52.2 | - | - |
| Diluted EPS | -$2.88 | -$2.51 | -$3.34 | -$1.67 | $0.15 | $1.24 | $1.98 |
Balance Sheet
USD in millions, except per-share values and percentages.
| Metric | 6/30/2021 | 6/30/2022 | 6/30/2023 | 6/30/2024 | 6/30/2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $1,466.6 | $1,255.2 | $892 | $1,013.1 | $1,354.5 |
| Short-term Debt | - | - | - | - | - |
| Long-term Debt | $680.6 | $1,706.7 | $1,764.8 | $1,836.9 | $7,609.7 |
| Total Debt | - | - | - | - | - |
Cash Flow
USD in millions, except per-share values and percentages.
| Metric | 6/30/2021 | 6/30/2022 | 6/30/2023 | 6/30/2024 | 6/30/2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | -$193.1 | -$162.2 | $12.2 | $450.1 | $793.9 |
| Capital Expenditure | $20.3 | $86.3 | $120.8 | $159.3 | $192.2 |
| Free Cash Flow | -$213.4 | -$248.5 | -$108.6 | $290.8 | $601.7 |
Ratios
USD in millions, except per-share values and percentages.
| Metric | 6/30/2021 | 6/30/2022 | 6/30/2023 | 6/30/2024 | 6/30/2025 |
|---|---|---|---|---|---|
| Revenue Growth | - | 55.0% | 17.7% | 46.3% | 38.8% |
| Gross Margin | - | - | - | - | - |
| EBITDA Margin | -41.3% | -60.3% | -67.1% | -19.2% | 4.3% |
| Net Margin | -49.5% | -52.4% | -62.0% | -22.3% | 1.6% |
| FCF Margin | -24.5% | -18.4% | -6.8% | 12.5% | 18.7% |
| Diluted EPS Growth | - | 12.8% | -33.1% | 50.0% | 109.0% |
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