For the twelve months ended Sep 30, 2026, Affirm Holdings Inc. reported $4.59B of revenue and $2.01B of net income.
AFRM revenue was $1.26B in fiscal Q1 2027 (ended Sep 30, 2026), up 35.2% from a year earlier and up 8.3% from the prior quarter. For the full fiscal 2026 it was $4.26B, up 32.2% from fiscal 2025. Compound annual growth was +37.4% over 5 years. It rose in each of the last 7 fiscal years. Fiscal 2026 is the highest of the 8 fiscal years on file.
AFRM net income was $164.17M in fiscal Q1 2027 (ended Sep 30, 2026), up 103.4% from a year earlier and down 89.8% from the prior quarter. For the full fiscal 2026 it was $1.93B, up about 37-fold from fiscal 2025. Fiscal 2026 is the highest of the 8 fiscal years on file.
AFRM diluted EPS was $0.47 in fiscal Q1 2027 (ended Sep 30, 2026), up 104.3% from a year earlier and down 89.8% from the prior quarter. For the full fiscal 2026 it was $5.53, up about 37-fold from fiscal 2025.
AFRM free cash flow was $144.57M in fiscal Q1 2027 (ended Sep 30, 2026), down 54.9% from a year earlier and down 36.9% from the prior quarter. For the full fiscal 2026 it was $992.63M, up 65.0% from fiscal 2025. Fiscal 2026 is the highest of the 8 fiscal years on file.
| Line item | Jun 30, 2026 | Jun 30, 2025 | Jun 30, 2024 | Jun 30, 2023 | Jun 30, 2022 | Jun 30, 2021 | Jun 30, 2020 | Jun 30, 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $4.26B | $3.22B | $2.32B | $1.59B | $1.35B | $870.46M | $509.53M | $264.37M |
| Selling, general and admin | $578.31M | $545.05M | $525.29M | $586.40M | $577.49M | $383.75M | $121.23M | $88.90M |
| Operating income | $416.98M | -$87.27M | -$615.85M | -$1.20B | -$866.05M | -$383.67M | -$107.79M | -$127.44M |
| Pre-tax income | $492.73M | $61.46M | -$515.53M | -$989.25M | -$724.83M | -$443.37M | -$112.22M | -$120.42M |
| Income tax | -$1.44B | $9.28M | $2.23M | -$3.90M | -$17.41M | -$2.34M | $376.0K | $36.0K |
| Net income | $1.93B | $52.19M | -$517.76M | -$985.35M | -$707.42M | -$441.03M | -$112.60M | -$120.45M |
| EPS, basic | $5.76 | $0.16 | -$1.67 | -$3.34 | -$2.51 | -$2.78 | -$2.63 | -$2.84 |
| EPS, diluted | $5.53 | $0.15 | -$1.67 | -$3.34 | -$2.51 | -$2.94 | -$2.63 | -$2.84 |
| Diluted shares | 348.8M | 341.0M | 309.9M | 295.3M | 281.7M | 159.2M | 47.9M | 47.3M |
| Line item | Jun 30, 2026 | Jun 30, 2025 | Jun 30, 2024 | Jun 30, 2023 | Jun 30, 2022 | Jun 30, 2021 | Jun 30, 2020 | Jun 30, 2019 |
|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $1.63B | $1.76B | $1.01B | $1.26B | $1.55B | $1.69B | $328.13M | $357.77M |
| Goodwill | $524.45M | $534.16M | $533.44M | $542.57M | $539.53M | $516.51M | $1.25M | $1.25M |
| Total assets | $15.79B | $11.15B | $9.52B | $8.16B | $6.97B | $4.87B | $1.40B | - |
| Total debt | $9.79B | $7.61B | $1.84B | - | - | - | - | - |
| Total liabilities | $10.31B | $8.09B | $6.79B | $5.62B | $4.36B | $2.29B | $965.18M | - |
| Shareholders' equity | $5.48B | $3.07B | $2.73B | $2.53B | $2.62B | $2.58B | -$367.10M | -$263.41M |
| Line item | Jun 30, 2026 | Jun 30, 2025 | Jun 30, 2024 | Jun 30, 2023 | Jun 30, 2022 | Jun 30, 2021 | Jun 30, 2020 | Jun 30, 2019 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $1.23B | $793.91M | $450.14M | $12.18M | -$162.19M | -$193.13M | -$71.30M | -$87.65M |
| Capital expenditures | $238.35M | $192.19M | $159.30M | $120.78M | $86.29M | $20.25M | $21.02M | $19.41M |
| Free cash flow | $992.63M | $601.72M | $290.84M | -$108.59M | -$248.48M | -$213.38M | -$92.32M | -$107.06M |
| Investing cash flow | -$2.55B | -$1.08B | -$1.33B | -$1.65B | -$2.01B | -$1.02B | -$253.07M | -$353.73M |
| Financing cash flow | $2.01B | $751.42M | $913.15M | $1.35B | $2.04B | $2.58B | $294.73M | $561.65M |
| Share repurchases | $0 | $250.00M | $0 | $109.0K | $86.0K | $800.0K | $18.85M | $2.63M |
| Stock-based compensation | $304.67M | $321.43M | $344.51M | $451.71M | $390.98M | $292.51M | $29.63M | $33.70M |
| Depreciation and amortization | $303.33M | $225.08M | $169.04M | $134.63M | $52.72M | $19.98M | $9.44M | $5.27M |
| Line item | Jun 30, 2026 | Jun 30, 2025 | Jun 30, 2024 | Jun 30, 2023 | Jun 30, 2022 | Jun 30, 2021 | Jun 30, 2020 | Jun 30, 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue growth, YoY | 32.2% | 38.8% | 46.3% | 17.7% | 55.0% | 70.8% | 92.7% | - |
| Net income growth, YoY | 3597.9% | - | - | - | - | - | - | - |
| EPS growth, YoY | 3586.7% | - | - | - | - | - | - | - |
| Operating margin | 9.8% | -2.7% | -26.5% | -75.6% | -64.2% | -44.1% | -21.2% | -48.2% |
| Net margin | 45.3% | 1.6% | -22.3% | -62.1% | -52.4% | -50.7% | -22.1% | -45.6% |
| Free cash flow margin | 23.3% | 18.7% | 12.5% | -6.8% | -18.4% | -24.5% | -18.1% | -40.5% |
| Return on equity | 35.2% | 1.7% | -19.0% | -38.9% | -27.0% | -17.1% | - | - |
| Return on assets | 12.2% | 0.5% | -5.4% | -12.1% | -10.1% | -9.1% | -8.0% | - |
| Debt to equity | 1.79 | 2.48 | 0.67 | - | - | - | - | - |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.26B | $1.17B | $1.04B | $1.12B | $933.34M | $876.42M | $783.13M | $866.38M | $698.48M | $659.18M | $576.16M | $591.11M |
| Selling, general and admin | $140.56M | $146.84M | $145.30M | $141.22M | $144.94M | $132.86M | $134.30M | $139.41M | $138.48M | $123.46M | $128.72M | $132.78M |
| Operating income | $187.05M | $147.26M | $88.43M | $117.63M | $63.66M | $58.06M | -$8.39M | -$4.32M | -$132.62M | -$73.46M | -$160.79M | -$172.15M |
| Pre-tax income | $205.05M | $169.09M | $107.38M | $133.24M | $83.02M | $71.58M | $5.34M | $82.86M | -$98.32M | -$44.14M | -$133.05M | -$167.60M |
| Income tax | $40.89M | -$1.45B | $4.48M | $3.65M | $2.33M | $2.34M | $2.54M | $2.50M | $1.90M | $997.0K | $890.0K | -$700.0K |
| Net income | $164.17M | $1.62B | $102.90M | $129.59M | $80.69M | $69.24M | $2.80M | $80.36M | -$100.22M | -$45.14M | -$133.94M | -$166.90M |
| EPS, basic | $0.48 | $4.82 | $0.31 | $0.39 | $0.24 | $0.21 | $0.01 | $0.25 | -$0.31 | -$0.13 | -$0.43 | -$0.54 |
| EPS, diluted | $0.47 | $4.63 | $0.30 | $0.37 | $0.23 | $0.22 | $0.01 | $0.23 | -$0.31 | -$0.13 | -$0.43 | -$0.54 |
| Diluted shares | 351.8M | - | 348.1M | 349.4M | 348.3M | - | 344.2M | 345.2M | 318.2M | - | 312.6M | 307.6M |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $2.07B | $1.63B | $1.72B | $1.53B | $1.43B | $1.76B | $1.35B | $1.20B | $1.05B | $1.01B | $1.27B | $1.04B |
| Goodwill | $525.34M | $524.45M | $529.28M | $533.44M | $529.91M | $534.16M | $522.35M | $521.70M | $536.75M | $533.44M | $535.82M | $541.16M |
| Total assets | $16.48B | $15.79B | $13.14B | $12.96B | $11.48B | $11.15B | $10.44B | $10.48B | $10.14B | $9.52B | $9.20B | $9.06B |
| Total debt | $10.26B | $9.79B | $8.87B | $9.01B | $7.74B | $7.61B | $7.15B | $7.31B | - | $1.84B | - | - |
| Total liabilities | $10.73B | $10.31B | $9.36B | $9.41B | $8.18B | $8.09B | $7.56B | $7.70B | $7.30B | $6.79B | $6.58B | $6.43B |
| Shareholders' equity | $5.75B | $5.48B | $3.78B | $3.55B | $3.30B | $3.07B | $2.87B | $2.79B | $2.84B | $2.73B | $2.62B | $2.63B |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $207.08M | $296.16M | $386.50M | $173.74M | $374.57M | $74.64M | $210.39M | $312.02M | $196.87M | $68.76M | $208.15M | $74.32M |
| Capital expenditures | $62.51M | $66.87M | $61.41M | $55.70M | $54.37M | $51.12M | $53.01M | $43.91M | $44.15M | $38.26M | $46.48M | $38.75M |
| Free cash flow | $144.57M | $229.29M | $325.10M | $118.03M | $320.21M | $23.52M | $157.38M | $268.11M | $152.72M | $30.51M | $161.68M | $35.57M |
| Investing cash flow | -$489.10M | -$1.20B | $149.44M | -$1.36B | -$139.61M | -$454.51M | $35.52M | -$89.07M | -$575.00M | -$537.63M | -$146.75M | -$624.90M |
| Financing cash flow | $419.18M | $865.65M | -$152.63M | $1.19B | $110.09M | $387.26M | -$245.56M | $144.10M | $465.63M | $145.97M | $112.03M | $506.35M |
| Share repurchases | - | $0 | $0 | - | - | $0 | $0 | - | - | $0 | $0 | $0 |
| Stock-based compensation | $55.70M | $67.18M | $73.84M | $77.80M | $85.85M | $65.50M | $75.61M | $86.10M | $94.23M | $64.91M | $77.08M | $90.16M |
| Depreciation and amortization | $86.81M | $87.35M | $75.06M | $75.59M | $65.33M | $63.99M | $59.47M | $54.89M | $46.72M | $65.39M | $37.01M | $26.51M |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue growth, YoY | 35.2% | 33.0% | 32.6% | 29.6% | 33.6% | 33.0% | 35.9% | 46.6% | 40.7% | 47.9% | 51.2% | 47.9% |
| Net income growth, YoY | 103.4% | 2234.7% | 3569.8% | 61.3% | - | - | - | - | - | - | - | - |
| EPS growth, YoY | 104.3% | 2004.5% | 2900.0% | 60.9% | - | - | - | - | - | - | - | - |
| Operating margin | 14.8% | 12.6% | 8.5% | 10.5% | 6.8% | 6.6% | -1.1% | -0.5% | -19.0% | -11.1% | -27.9% | -29.1% |
| Net margin | 13.0% | 138.7% | 9.9% | 11.5% | 8.6% | 7.9% | 0.4% | 9.3% | -14.3% | -6.8% | -23.2% | -28.2% |
| Free cash flow margin | 11.5% | 19.7% | 31.3% | 10.5% | 34.3% | 2.7% | 20.1% | 30.9% | 21.9% | 4.6% | 28.1% | 6.0% |
| Debt to equity | 1.78 | 1.79 | 2.35 | 2.54 | 2.35 | 2.48 | 2.49 | 2.62 | - | 0.67 | - | - |
Source: XBRL data Affirm Holdings Inc. files with the SEC, latest filing dated Nov 5, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.
* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.
Per-share figures are as filed. The filings show no stock split in these periods.
EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.
| Company | Revenue | Growth | Net income | Net margin | Market cap |
|---|---|---|---|---|---|
| AFRM | $4.59B | +32.7% | $2.01B | 43.9% | $23.08B |
| AXP | $77.59B | +10.2% | $12.26B | 15.8% | $215.24B |
| SPGI | $17.21B | +18.2% | $4.99B | 29.0% | $135.62B |
| MCO | $8.18B | +9.0% | $2.88B | 35.3% | $87.18B |
| NU | $15.77B | +37.0% | $2.87B | 18.2% | $58.39B |
| RKT | $11.46B | +90.4% | $1.30B | 11.4% | $42.74B |
| COIN | $5.63B | -26.6% | -$701.62M | -12.5% | $35.68B |
| SYF | $19.31B | +2.6% | $3.33B | 17.3% | $22.96B |
| EFX | $6.59B | +10.9% | $742.90M | 11.3% | $22.19B |