Affirm Holdings
AFRM · NASDAQ
Key indicators
AFRM profitability and balance sheet ratios
EPS $4.62 in Q4 FY26, up 2567.4% on a year earlier.
| Period | EPS |
|---|---|
| Q1 FY25 | -$0.3149 |
| Q2 FY25 | $0.2328 |
| Q3 FY25 | $0.0081 |
| Q4 FY25 | $0.1733 |
| Q1 FY26 | $0.2317 |
| Q2 FY26 | $0.3709 |
| Q3 FY26 | $0.2956 |
| Q4 FY26 | $4.62 |
Where the money went
Q4 FY26, from revenue to net income
Affirm Holdings brought in $387.5M of revenue in Q4 FY26, +26.4% on a year earlier. 417¢ of every dollar became profit.
- Revenue
- $387.5M
- Costs, expenses and taxes
- −$1,229.1M
- Net income
- $1,616.6M
- Net margin
- 417.2%
Income statement
Revenue and profit by reporting period
| Line item | Q2 FY26 | Q3 FY26 | Q4 FY26 |
|---|---|---|---|
| Revenue | $0.4B | $0.3B | $0.4B |
| Gross profit | $0.4B | $0.3B | $0.4B |
| Operating income | −$0.5B | −$0.4B | −$0.7B |
| Net income | $0.1B | $0.1B | $1.6B |
| Diluted EPS | $0.37 | $0.30 | $4.62 |
Balance sheet
What the company owns and owes at period end
| Line item | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|
| Total assets | $13.0B | $13.1B | $15.8B |
| Total liabilities | $9.4B | $9.4B | $10.3B |
| Shareholder equity | $3.5B | $3.8B | $5.5B |
| Cash and short-term investments | $1.5B | $1.7B | $1.6B |
| Total debt | $9.0B | $8.9B | $9.8B |
Cash flow
Cash in and out from operations, investing and financing
| Line item | Q2 FY26 | Q3 FY26 | Q4 FY26 |
|---|---|---|---|
| Operating cash flow | $0.2B | $0.4B | $0.3B |
| Investing cash flow | −$1.4B | $0.1B | −$1.2B |
| Financing cash flow | $1.2B | −$0.2B | $0.9B |
| Capital expenditure | −$0.1B | −$0.1B | −$0.1B |
| Free cash flow | $0.1B | $0.3B | $0.2B |
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