Affirm Holdings, Inc.
Affirm Holdings, Inc. (AFRM) Financial Performance & Income Statement Overview
Analyze Affirm Holdings, Inc. (AFRM) financial statements (income, balance sheet, and cash flow) across both yearly and quarterly periods.
Affirm Holdings, Inc. (AFRM) Income Statement & Financial Overview
Explore comprehensive income reports for Affirm Holdings, Inc. AFRM, broken down by year and quarter.
| Metric | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|
| Revenue | $866.38M | $698.48M | $659.18M | $576.16M |
| Cost of Revenue | $264.17M | $229.44M | $89.17M | $88.21M |
| Gross Profit | $602.21M | $469.04M | $570.02M | $487.95M |
| Gross Profit Ratio | $0.70 | $0.67 | $0.86 | $0.85 |
| R&D Expenses | $0.00 | $0.00 | $124.23M | $124.83M |
| SG&A Expenses | $275.45M | $283.71M | $376.39M | $384.11M |
| Operating Expenses | $606.53M | $601.67M | $500.62M | $508.94M |
| Total Costs & Expenses | $870.70M | $831.10M | $589.79M | $597.15M |
| Interest Income | $0.00 | $0.00 | $337.62M | $315.71M |
| Interest Expense | $107.76M | $0.00 | $95.26M | $90.45M |
| Depreciation & Amortization | $54.89M | $46.72M | $65.39M | $37.11M |
| EBITDA | $245.51M | -$71.90M | $130.56M | -$5.49M |
| EBITDA Ratio | $0.28 | -$0.10 | $0.20 | -$0.010 |
| Operating Income | -$4.32M | -$132.62M | $69.40M | -$20.99M |
| Operating Income Ratio | -$0.005 | -$0.19 | $0.11 | -$0.04 |
| Other Income/Expenses (Net) | $87.18M | $34.30M | -$113.53M | -$95.65M |
| Income Before Tax | $82.86M | -$98.32M | -$44.14M | -$133.05M |
| Income Before Tax Ratio | $0.10 | -$0.14 | -$0.07 | -$0.23 |
| Income Tax Expense | $2.50M | $1.90M | $997000.00 | $890000.00 |
| Net Income | $80.36M | -$100.22M | -$45.14M | -$133.94M |
| Net Income Ratio | $0.09 | -$0.14 | -$0.07 | -$0.23 |
| EPS | $0.25 | -$0.31 | -$0.14 | -$0.43 |
| Diluted EPS | $0.23 | -$0.31 | -$0.14 | -$0.43 |
| Weighted Avg Shares Outstanding | $322.28M | $318.23M | $315.48M | $312.63M |
| Weighted Avg Shares Outstanding (Diluted) | $345.20M | $318.23M | $315.48M | $312.63M |
Over the past four quarters, Affirm Holdings, Inc. demonstrated steady revenue growth, increasing from $576.16M in Q3 2024 to $866.38M in Q2 2025. Operating income reached -$4.32M in Q2 2025, maintaining a consistent -1% margin over recent quarters. Despite fluctuations in R&D and SG&A expenses, EBITDA remained robust at $245.51M, reflecting operational efficiency. Net income rose to $80.36M, with EPS at $0.25. Disciplined expense management helped sustain profitability, highlighting solid overall financial performance.
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