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Affirm Holdings, Inc. (AFRM)
Financial Services · Credit Services · NasdaqGS
Affirm Holdings, Inc. revenue & earnings — last 7 fiscal years
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Revenue | $264.37M | $509.53M | $870.46M | $1.35B | $1.59B | $2.32B | $3.22B |
| Gross profit | — | — | — | $772.84M | $714.82M | $1.48B | $2.18B |
| Net income | $-120.45M | $-112.60M | $-441.03M | $-707.42M | $-985.35M | $-517.76M | $52.19M |
| Net margin | -45.6% | -22.1% | -50.7% | -52.4% | -62.1% | -22.3% | 1.6% |
Source: Affirm Holdings, Inc. SEC filings (10-K).
What growth is priced into AFRM stock?
At today's market cap of $20.94B, Affirm Holdings, Inc. is priced for free-cash-flow growth of about 15.2% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $601.72M from the FY ending 2025-06-30). For comparison, revenue 44.6%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 7 years of Affirm Holdings, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Affirm Holdings, Inc. financial history by metric
About Affirm Holdings, Inc.
Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. Its platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. The company's commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time. It has active merchants covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies with an omni-channel presence. The company's merchants represent a range of industries, including sporting goods and outdoors, home and lifestyle, travel and ticketing, electronics, fashion and beauty, equipment and auto, and general merchandise. Affirm Holdings, Inc. was founded in 2012 and is headquartered in San Francisco, California.
Affirm Holdings, Inc. — frequently asked questions
What is Affirm Holdings, Inc.'s revenue?
Affirm Holdings, Inc. (AFRM) reported revenue of $3.22B for fiscal year 2025, up 38.8% from the prior year, according to its SEC filings.
Is Affirm Holdings, Inc. profitable?
Yes. AFRM earned net income of $52.19M in fiscal 2025, a net margin of 1.6%.
What is AFRM's P/E ratio?
Affirm Holdings, Inc. trades at a price-to-earnings ratio of about 56.8 based on the latest data in our nightly-refreshed cache.
How fast is Affirm Holdings, Inc. growing?
AFRM's revenue grew at roughly 44.6% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does Affirm Holdings, Inc. have?
As of fiscal year 2025, AFRM carried roughly $7.82B in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Affirm Holdings, Inc.'s gross margin?
AFRM's gross margin was 67.5% in fiscal 2025 — gross profit of $2.18B on revenue of $3.22B.
What is Affirm Holdings, Inc.'s market cap?
Affirm Holdings, Inc. (AFRM) has a market capitalization of about $20.94B, based on the latest data in our nightly-refreshed cache.
When does Affirm Holdings, Inc.'s fiscal year end?
AFRM's fiscal year ends in June. Its most recent annual filing covers the fiscal year ending 2025-06-30.
What growth is priced into AFRM stock?
At today's market cap of $20.94B, Affirm Holdings, Inc. is priced for free-cash-flow growth of about 15.2% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $601.72M from the FY ending 2025-06-30). For comparison, revenue 44.6%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from Affirm Holdings, Inc.'s official SEC filings (10-K and 10-Q), covering 7 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.