In fiscal 2026, which ended Jun 30, 2026, Affirm Holdings, Inc. reported revenue of $1.4 billion, up 29.6% from the year before. Net income was $1.9 billion, a profit margin of 133.6%. Operating income came to $417.0 million, an operating margin of 28.9%. Diluted earnings per share were $5.53. Across the 6 fiscal years shown, revenue grew from $429.4 million in fiscal 2021 to $1.4 billion in fiscal 2026, about 27.4% a year.
USD in millions, except per-share amounts and margins. The percent under a figure is the change from the year before.
| Line |
FY 2026
Jun 30, 2026
|
FY 2025
Jun 30, 2025
|
FY 2024
Jun 30, 2024
|
FY 2023
Jun 30, 2023
|
FY 2022
Jun 30, 2022
|
FY 2021
Jun 30, 2021
|
|---|---|---|---|---|---|---|
| Revenue |
1,444
+29.6%
|
1,114
+34.9%
|
826
+31.8%
|
627
+12.1%
|
559
+30.2%
|
429
|
| Selling, general and administrative |
921
-6.0%
|
980
-11.1%
|
1,102
-10.0%
|
1,225
+10.3%
|
1,110
+96.1%
|
566
|
| Operating income |
417
+577.8%
|
-87
+85.8%
|
-616
+48.7%
|
-1,201
-38.7%
|
-866
-125.7%
|
-384
|
| Other non-operating income (expense) |
76
-49.1%
|
149
+48.3%
|
100
-52.6%
|
212
+49.9%
|
141
+336.5%
|
-60
|
| Pretax income |
493
+701.7%
|
61
+111.9%
|
-516
+47.9%
|
-989
-36.5%
|
-725
-63.5%
|
-443
|
| Income tax |
-1,437
-15587.3%
|
9
+316.1%
|
2
+157.2%
|
-4
+77.6%
|
-17
-643.2%
|
-2
|
| Net income |
1,930
+3597.9%
|
52
+110.1%
|
-518
+47.5%
|
-985
-39.3%
|
-707
-60.4%
|
-441
|
| Basic EPS |
5.76
+3500.0%
|
0.16
+109.6%
|
-1.67
+50.0%
|
-3.34
-33.1%
|
-2.51
+9.7%
|
-2.78
|
| Diluted EPS |
5.53
+3586.7%
|
0.15
+109.0%
|
-1.67
+50.0%
|
-3.34
-33.1%
|
-2.51
+14.6%
|
-2.94
|
| Weighted average shares, basic |
335
+3.8%
|
323
+4.2%
|
310
+4.9%
|
295
+4.8%
|
282
+77.9%
|
158
|
| Weighted average shares, diluted |
349
+2.3%
|
341
+10.1%
|
310
+4.9%
|
295
+4.8%
|
282
+76.9%
|
159
|
| Other measures | ||||||
| Depreciation and amortization |
303
+34.8%
|
225
+33.1%
|
169
+25.6%
|
135
+155.4%
|
53
+163.9%
|
20
|
| EBITDA |
720
+422.7%
|
138
+130.8%
|
-447
+58.1%
|
-1,066
-31.1%
|
-813
-123.6%
|
-364
|
| Margins | ||||||
| Operating margin |
28.88%
|
-7.83%
|
-74.56%
|
-191.54%
|
-154.87%
|
-89.35%
|
| Pretax margin |
34.12%
|
5.52%
|
-62.41%
|
-157.79%
|
-129.62%
|
-103.25%
|
| Profit margin |
133.65%
|
4.68%
|
-62.68%
|
-157.17%
|
-126.50%
|
-102.71%
|
| EBITDA margin |
49.89%
|
12.37%
|
-54.09%
|
-170.07%
|
-145.44%
|
-84.70%
|
| Effective tax rate |
-291.66%
|
15.10%
|
—
|
—
|
—
|
—
|
How these figures are calculated
Annual columns are full-year amounts from the annual report (Form 10-K, 20-F, or 40-F). If a company restates a year, the latest filed number is shown. USD in millions, except per-share amounts and margins. Weighted average shares are in millions. Interest expense and finance costs are positive costs. A negative amount on a gain (loss) or income (expense) line is a loss or an expense. EBITDA is operating income plus depreciation and amortization. Interest coverage is operating income divided by interest expense. More on our methodology.
New to this? Read How to Read an Income Statement, With a Real Example.
Company profile
- Industry
- Personal Credit Institutions (SIC 6141)
- Listed as
- AFRM (Nasdaq)
- Fiscal year ends
- June 30
- Incorporated in
- NV
- Headquarters
- San Francisco, CA
- SEC filer status
- Large accelerated filer
- SEC CIK
- 1820953
Other Personal Credit Institutions companies
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- Happen, Inc. HAPN
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Source: SEC EDGAR filings. This is company-reported data, not investment advice.