Affirm Holdings, Inc. (AFRM)
NASDAQ · Financial Services · Financial - Credit Services
Profile
Affirm Holdings, Inc.
- Exchange
- NASDAQ
- Ticker
- AFRM
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- Country
- US
Affirm Holdings, Inc. provides a digital and mobile-first commerce platform that operates across the United States and Canada. This platform offers consumers a point-of-sale financing solution, delivers various tools for merchants, and includes a dedicated mobile application for users. Leveraging its payment network and partnerships with originating banks, the company enables customers to spread the cost of their purchases over time, with payment terms ranging from a single month up to forty-eight months. By June 30, 2021, approximately 29,000 merchants had integrated Affirm's services, representing a diverse array of businesses from small enterprises and large corporations to direct-to-consumer brands and traditional physical stores. These businesses span numerous industries, including sporting goods, home furnishings, travel, apparel, accessories, consumer electronics, and jewelry. Affirm was founded in 2012 and is based in San Francisco, California.
Key facts
Affirm Holdings, Inc.: key facts
- Affirm Holdings, Inc. (NASDAQ: AFRM) is a Financial - Credit Services company in the Financial Services sector.
- In fiscal 2026, Affirm Holdings, Inc. reported revenue of $3.9B and net income of $1.9B.
- Revenue grew 30.8% a year over the last 4 fiscal years.
- Free cash flow was positive in 3 of the last 5 fiscal years.
- Net income was positive in 2 of the last 5 fiscal years.
- Over the last twelve months, revenue was $4.2B and net income was $1.9B.
MonkScore
Affirm Holdings, Inc.'s MonkScore
MonkScore
MonkScore range: 80–90
as of October 2026
Sector rank: 111 of 850 in Financial Services
How this score is madeDisclaimer
Pillar ranges
- Growth90–100
- Profitability70–80
- Quality80–90
- Market Conviction80–90
- Safety60–70
The MonkScore runs from 0 to 100. Each range is one of ten 10-point groups, from 0–10 to 90–100.
Each pillar's range uses the same ten groups. The exact score and the pillar scores are in the MonkStreet app.
Fundamentals
Figures from the statements
Affirm Holdings, Inc.'s annual figures and the last twelve months, in USD. Last report: 30 June 2026.
| Figure | Last 12 months | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|
| Revenue | $4.2B | $3.9B | $3.2B | $2.3B | $1.6B | $1.3B |
| Gross profit | $2.9B | $2.7B | $2.2B | $1.5B | $714.8M | $772.8M |
| Operating income | $648.8M | $870.9M | -$87.3M | -$615.8M | -$1.2B | -$866.0M |
| Net income | $1.9B | $1.9B | $52.2M | -$517.8M | -$985.3M | -$707.4M |
| Operating cash flow | $1.2B | $1.2B | $793.9M | $450.1M | $12.2M | -$162.2M |
| Capital expenditure | -$238.3M | -$238.3M | -$192.2M | -$159.3M | -$120.8M | -$111.7M |
| Free cash flow | $993.1M | $992.6M | $601.7M | $290.8M | -$108.6M | -$273.9M |
| Total debt | $9.8B | $9.8B | $7.9B | $6.6B | $5.5B | $4.1B |
| Cash | $2.4B | $2.4B | $1.4B | $1.0B | $892.0M | $1.3B |
Revenue growth a year
- 1-year
- 22.5%
- 3-year
- 35.5%
- 4-year
- 30.8%
Compound growth between fiscal years.
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Page built on 31 October 2026.