Affirm Holdings, Inc.

	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19
Total revenue	3.22	2.32	1.59	1.35	0.87	0.51	0.26
Cost of revenue	1.05	0.85	0.87	0.58	0.32	0.17	0.11
Gross profit	2.18	1.48	0.71	0.77	0.55	0.34	0.16
Total operating expenses +	2.26	2.09	1.92	1.64	0.93	0.45	0.26
Selling, general and administrative	0.55	0.53	0.59	0.58	0.38	0.12	0.09
Research and development		0.50	0.62	0.42	0.25	0.11	0.07
Other operating expenses	1.72	1.07	0.71	0.64	0.30	0.21	0.10
Operating income	-0.09	-0.62	-1.20	-0.87	-0.38	-0.11	-0.10
Non-operating income (net)	0.15	0.10	0.21	0.14	-0.06	0.00	-0.02
Income before tax	0.06	-0.52	-0.99	-0.72	-0.44	-0.11	-0.12
Income tax expense	0.01	0.00	0.00	-0.02	0.00	0.00	0.00
Net income	0.05	-0.52	-0.99	-0.71	-0.44	-0.11	-0.12

Show Quarterly Income Statement

	Mar-26	Dec-25	Sep-25	Jun-25	Mar-25	Dec-24	Sep-24	Jun-24	Mar-24	Dec-23	Sep-23	Jun-23	Mar-23	Dec-22	Sep-22	Jun-22	Mar-22	Dec-21	Sep-21	Jun-21	Mar-21	Dec-20	Sep-20	Jun-20	Mar-20	Dec-19	Sep-19
Total revenue	1.04	1.12	0.93	0.88	0.78	0.87	0.70	0.66	0.58	0.59	0.50	0.45	0.38	0.40	0.36	0.36	0.35	0.36	0.27	0.26	0.23	0.20	0.17	0.15	0.14	0.13	0.09
Cost of revenue	0.35	0.34	0.30	0.28	0.27	0.26	0.23	0.21	0.21	0.21	0.21	0.22	0.23	0.22	0.20	0.18	0.15	0.14	0.10	0.10	0.13	0.06	0.05	0.05	0.05	0.04	0.04
Gross profit	0.68	0.78	0.63	0.59	0.51	0.60	0.47	0.45	0.36	0.38	0.29	0.22	0.15	0.18	0.16	0.18	0.20	0.22	0.17	0.16	0.10	0.15	0.13	0.11	0.09	0.09	0.05
Total operating expenses +	0.48	0.66	0.57	0.54	0.52	0.61	0.60	0.52	0.52	0.55	0.50	0.47	0.46	0.54	0.45	0.46	0.43	0.42	0.33	0.31	0.31	0.17	0.16	0.07	0.17	0.12	0.09
Selling, general and administrative	0.15	0.14	0.14	0.13	0.13	0.14	0.14	0.12	0.13	0.13	0.14	0.13	0.14	0.16	0.16	0.16	0.14	0.14	0.14	0.15	0.18	0.04	0.03	0.03	0.03	0.03	0.03
Research and development			0.17	0.15	0.15		0.13	0.12	0.12	0.12	0.13	0.15	0.16	0.16	0.14	0.14	0.11	0.09	0.08	0.08	0.09	0.00	0.00	0.12	0.00	0.03	0.03
Other operating expenses	0.34	0.52	0.25	0.25	0.23	0.47	0.33	0.27	0.27	0.30	0.22	0.19	0.16	0.22	0.14	0.17	0.17	0.18	0.12	0.08	0.04	0.13	0.13	-0.08	0.14	0.06	0.03
Operating income	0.20	0.12	0.06	0.06	-0.01	0.00	-0.13	-0.07	-0.16	-0.17	-0.21	-0.24	-0.31	-0.36	-0.29	-0.28	-0.23	-0.20	-0.17	-0.15	-0.21	-0.03	-0.03	0.04	-0.08	-0.03	-0.03
Non-operating income (net)	-0.09	0.02	0.02	0.01	0.01	0.09	0.03	0.03	0.03	0.00	0.04	0.04	0.10	0.04	0.04	0.07	0.17	0.04	-0.14	-0.01	-0.08	0.00	0.03	0.00	0.00	0.00	0.00
Income before tax	0.11	0.13	0.08	0.07	0.01	0.08	-0.10	-0.04	-0.13	-0.17	-0.17	-0.21	-0.21	-0.32	-0.25	-0.20	-0.05	-0.16	-0.31	-0.16	-0.29	-0.03	0.00	0.03	-0.09	-0.03	-0.03
Income tax expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-0.02	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net income	0.10	0.13	0.08	0.07	0.00	0.08	-0.10	-0.05	-0.13	-0.17	-0.17	-0.21	-0.21	-0.32	-0.25	-0.19	-0.05	-0.16	-0.31	-0.15	-0.29	-0.03	0.00	0.03	-0.09	-0.03	-0.03

about 2 months ago

Ask a follow up

	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19
Total cash and short-term investments +	2.23	2.14	2.07	2.85	1.48	0.27	0.32
Cash and cash equivalents	1.35	1.01	0.89	1.26	1.47	0.27	0.32
Short-term investments	0.87	1.13	1.17	1.60	0.02
Accounts receivable, net	7.06	5.73	4.41	2.49	2.02	0.06	0.04
Inventories		-0.33	0.00	-0.07	-0.17	0.00	-0.63
Other current assets	0.47	0.33	0.42	0.34	0.37	1.01	0.72
Total current assets	9.76	8.21	6.90	5.68	3.88	1.34	1.08
Total non-current assets +	1.40	1.31	1.26	1.30	0.99	0.06	0.07
Property, plant and equipment, net			0.29	0.17	0.06	0.05	0.03
Goodwill	0.53	0.53	0.54	0.54	0.52	0.00
Intangible assets	0.01	0.01	0.03	0.08	0.07	0.00
Long-term investments	0.04	0.07	1.17	1.60	0.01	0.94	0.67
Other non-current assets
Total assets	11.15	9.52	8.16	6.97	4.87	1.40	1.15

Total current liabilities +	0.18	0.12	0.09	0.11	0.11	0.04	0.02
Accounts payable	0.08	0.04	0.03	0.03	0.06	0.02	0.01
Short-term debt	0.20	0.02	0.22	0.02	0.10	0.07	0.57
Current portion of long-term debt
Deferred revenue
Other current liabilities	0.10	0.08	0.06	0.07	0.05	0.02	0.01
Total non-current liabilities +	7.91	6.66	5.53	4.25	2.18	1.73	1.39
Long-term debt	7.82	6.57	3.58	4.08	1.91	0.89	0.57
Capital lease obligations	0.03	0.04	0.05	0.07	0.07	0.00
Other non-current liabilities	0.05	0.03	0.05	0.07	0.20	0.01	0.01
Total liabilities	8.09	6.79	5.62	4.36	2.29	1.77	1.41

Total stockholders' equity +	3.07	2.73	2.53	2.62	2.58	-0.37	-0.26
Common stock and paid-in capital	6.13	5.84	5.13	4.22	3.47	0.08	0.05
Retained earnings	-3.06	-3.11	-2.59	-1.61	-0.90	-0.45	-0.32
Common shares outstanding	341	310	295	282	269	257	257

Show Quarterly Balance Sheet

	Mar-26	Dec-25	Sep-25	Jun-25	Mar-25	Dec-24	Sep-24	Jun-24	Mar-24	Dec-23	Sep-23	Jun-23	Mar-23	Dec-22	Sep-22	Jun-22	Mar-22	Dec-21	Sep-21	Jun-21	Mar-21	Dec-20	Sep-20	Jun-20	Mar-20	Dec-19	Sep-19
Total cash and short-term investments +	2.97	2.25	1.48	2.23	2.13	1.87	2.12	2.14	2.05	1.95	2.10	2.07	2.03	2.36	2.77	2.85	2.88	3.04	1.90	1.48	1.62	0.52	0.68	1.21	0.00	0.00	0.32
Cash and cash equivalents	2.47	1.53	1.43	1.35	1.35	1.20	1.05	1.01	1.27	1.04	1.08	0.89	0.97	1.44	1.53	1.26	2.26	2.57	1.44	1.47	1.62	0.52	0.68	0.27			-0.32
Short-term investments	0.49	0.72	0.05	0.87	0.78	0.67	1.07	1.13	0.78	0.91	1.02	1.17	1.06	0.91	1.24	1.60	0.62	0.48	0.46	0.02				0.94			0.64
Accounts receivable, net	0.23	8.56	0.28	7.06	6.49	6.65	6.29	5.73	5.48	5.28	0.24	0.20	0.14	0.20	0.15	0.16	0.12	2.43	0.10	2.02	0.07	1.84	0.05	0.06
Inventories						-0.59		-0.30	-0.42	0.00	0.00	0.00	-3.16	3.50	0.00	-0.07	-0.06	-0.09	-0.04	-0.15	-0.12	-0.02	0.00	0.00
Other current assets	-0.49	0.65	0.75	0.47	0.46	0.59	0.39	0.33	0.40	0.51	4.78	4.63	4.04	3.97	2.98	2.66	2.83	0.34	2.40	0.37	2.41	0.14	0.11	1.01
Total current assets	2.71	11.47	2.51	9.76	9.08	9.11	8.80	8.21	7.94	7.75	7.12	6.90	6.21	6.53	5.90	5.68	5.84	5.72	4.39	3.88	4.10	2.47	0.85	1.34			0.32
Total non-current assets +	1.23	1.49	8.97	1.40	1.36	1.37	1.34	1.31	1.26	1.32	1.29	1.26	1.30	1.28	1.27	1.30	1.19	1.23	1.01	0.99	0.67	0.23	1.40	0.06			-0.32
Property, plant and equipment, net												0.29	0.28	0.25	0.21	0.17	0.14	0.11	0.08	0.06	0.11	0.05	0.05
Goodwill	0.53	0.53	0.53	0.53	0.52	0.52	0.54	0.53	0.54	0.54	0.54	0.54	0.54	0.53	0.53	0.54	0.55	0.54	0.54	0.52	0.26			0.00
Intangible assets	0.03	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.02	0.02	0.02	0.03	0.05	0.06	0.07	0.08	0.06	0.07	0.07	0.07	0.02			0.00
Long-term investments	0.04	0.04	0.04	0.04	0.04	0.06	0.06	0.07	0.07	0.07	0.05	1.17	1.06	0.92	1.24	1.60	0.62	0.50	0.46	0.01	0.01	0.01	1.29
Other non-current assets
Total assets	13.14	12.96	11.48	11.15	10.44	10.48	10.14	9.52	9.20	9.06	8.41	8.16	7.51	7.80	7.17	6.97	7.03	6.95	5.40	4.87	4.77	2.71	2.25	1.40

Total current liabilities +	0.00	0.17	0.17	0.18	0.14	0.15	0.14	0.12	0.12	0.14	0.09	0.09	0.08	0.09	0.10	0.11	0.10	0.48	0.48	0.11	0.07	0.07	0.05	0.04
Accounts payable	0.06	0.06	0.06	0.08	0.04	0.05	0.06	0.04	0.04	0.06	0.03	0.03	0.03	0.03	0.03	0.03	0.05	0.05	0.43	0.06	0.03	0.03	0.02	0.02
Short-term debt	0.00	0.01	0.01	0.20	0.00			0.35	0.00	0.01	0.20	0.22	0.02	0.18	0.18	0.02	0.00	1.06	0.01	0.68	0.00	0.89
Current portion of long-term debt
Deferred revenue
Other current liabilities	-0.06	0.11	0.10	0.10	0.10	0.10	0.08	0.08	0.08	0.08	0.06	0.06	0.05	0.06	0.07	0.07	0.05	0.44	0.05	0.05	0.04	0.05	0.03	0.02
Total non-current liabilities +	9.35	9.24	8.01	7.91	7.42	7.55	7.17	6.66	6.46	6.29	5.75	5.53	4.91	5.20	4.50	4.25	4.36	4.00	2.54	2.18	2.29	2.98	1.22	1.73
Long-term debt	9.05	9.14	7.93	7.82	7.32	7.46	7.08	6.57	6.37	6.20	5.63	3.58	3.20	3.02	3.43	4.08	3.15	4.00	2.14	1.91	2.04	1.66	1.20	0.92
Capital lease obligations	0.04	0.04	0.03	0.03	0.04	0.03	0.04	0.04	0.04	0.05	0.05	0.05	0.06	0.06	0.06	0.07	0.07	0.07	0.07	0.07	0.08
Other non-current liabilities	0.06	0.06	0.06	0.05	0.05	0.04	0.04	0.03	0.03	0.03	0.03	0.05	0.04	0.13	0.09	0.07	0.04	0.07	0.04	0.20	0.18	0.03		0.01
Total liabilities	9.36	9.41	8.18	8.09	7.56	7.70	7.30	6.79	6.58	6.43	5.84	5.62	5.00	5.29	4.60	4.36	4.46	4.48	3.02	2.29	2.36	3.06	1.27	1.77

Total stockholders' equity +	3.78	3.55	3.30	3.07	2.87	2.79	2.84	2.73	2.62	2.63	2.57	2.53	2.51	2.51	2.56	2.62	2.58	2.47	2.38	2.58	2.40	-0.35	0.98	-0.37			0.53
Common stock and paid-in capital	6.53	6.39	6.28	6.13	6.00	5.91	6.04	5.84	5.69	5.56	5.33	5.13	4.90	4.69	4.42	4.22	4.00	3.83	3.58	3.47	3.14	0.14	1.44	0.08	0.00	0.00	0.53
Retained earnings	-2.74	-2.85	-2.98	-3.06	-3.13	-3.13	-3.21	-3.11	-3.06	-2.93	-2.76	-2.59	-2.39	-2.18	-1.86	-1.61	-1.42	-1.36	-1.21	-0.90	-0.73	-0.49	-0.46	-0.45
Common shares outstanding	348	349	348	343	344	345	318	315	313	308	304	300	297	294	291	288	286	282	272	267	233	243	243	210	210	210	210

about 2 months ago

Ask a follow up

	Jun-25	Jun-24	Jun-23	Jun-22	Jun-21	Jun-20	Jun-19
Operating cash flow +	0.79	0.45	0.01	-0.16	-0.19	-0.07	-0.09
Net income
Depreciation, depletion and amortization	0.23	0.17	0.13	0.05	0.02	0.01	0.01
Stock-based compensation	0.32	0.34	0.45	0.39	0.29	0.03	0.03
Change in inventory						0.02	0.02
Other working capital changes	0.25	-0.06	-0.57	-0.61	-0.50	-0.13	-0.15
Cash flow from investing +	-1.08	-1.33	-1.65	-2.01	-1.02	-0.25	-0.35
Capital expenditures	-0.19	-0.16	-0.12	-0.11	-0.02	-0.02	-0.02
Others incl. marketable securities changes	-0.89	-1.17	-1.53	-1.90	-1.00	-0.23	-0.33
Cash flow from financing +	0.75	0.91	1.35	2.04	2.58	0.29	0.57
Dividend payout			-0.02		-4.82	-2.22	-0.31
Common stock repurchases	-0.25	-0.19	0.00	0.00	0.00	-0.04	-0.02
Net Debt Issuance	1.00	1.10	1.37	2.04	7.40	2.56	0.89

Change in cash	0.46	0.04	-0.29	-0.14	1.36	-0.03	0.12

Show Quarterly Cash Flow

	Mar-26	Dec-25	Sep-25	Jun-25	Mar-25	Dec-24	Sep-24	Jun-24	Mar-24	Dec-23	Sep-23	Jun-23	Mar-23	Dec-22	Sep-22	Jun-22	Mar-22	Dec-21	Sep-21	Jun-21	Mar-21	Dec-20	Sep-20	Jun-20	Mar-20	Dec-19	Sep-19
Operating cash flow +	0.39	0.17	0.37	0.07	0.21	0.31	0.20	0.07	0.21	0.07	0.10	0.04	-0.05	-0.03	0.05	-0.06	-0.03	-0.44	0.37	-0.02	-0.12	-0.05	0.00	-0.03	-0.01	-0.02	-0.02
Net income
Depreciation, depletion and amortization	0.07	0.08	-0.06	0.06	0.06	0.05	0.05	0.07	0.04	0.03	0.04	0.04	0.05	0.02	0.02	0.02	0.01	0.01	0.01	0.01	0.01	0.00	0.00	0.00	0.00	0.00	0.00
Stock-based compensation	0.07	0.08	0.09	0.07	0.08	0.09	0.09	0.06	0.08	0.09	0.11	0.10	0.11	0.12	0.12	0.11	0.10	0.09	0.09	0.14	0.18	0.01	0.01	0.01	0.01	0.01	0.01
Change in inventory																				-3.76	-4.10	-2.40	0.00	-1.30			0.00
Other working capital changes	0.24	0.02	0.35	-0.05	0.08	0.17	0.06	-0.06	0.09	-0.04	-0.05	-0.10	-0.21	-0.17	-0.09	-0.19	-0.14	-0.54	0.26	3.60	3.80	2.34	-0.01	1.26	-0.02	-0.03	-0.03
Cash flow from investing +	0.15	-1.36	-0.14	-0.45	0.04	-0.09	-0.57	-0.54	-0.15	-0.62	-0.02	-0.78	-0.30	-0.69	0.12	-1.03	-0.17	-0.19	-0.63	0.08	-0.20	-0.55	-0.36	-0.02	0.04	-0.20	-0.07
Capital expenditures	-0.06	-0.06	-0.05	-0.05	-0.05	-0.04	-0.04	-0.04	-0.05	-0.04	-0.04	-0.02	-0.03	-0.03	-0.03	-0.05	-0.02	-0.02	-0.02	-0.01	-0.01	0.00	0.00	0.00	-0.01	-0.01	-0.01
Others incl. marketable securities changes	0.21	-1.31	-0.09	-0.40	0.09	-0.05	-0.53	-0.50	-0.10	-0.59	0.02	-0.75	-0.27	-0.66	0.15	-0.97	-0.14	-0.17	-0.61	0.09	-0.19	-0.55	-0.35	-0.02	0.05	-0.20	-0.06
Cash flow from financing +	-0.15	1.19	0.11	0.39	-0.25	0.14	0.47	0.15	0.11	0.51	0.15	0.61	-0.13	0.67	0.20	-0.03	0.06	1.77	0.24	-0.18	1.49	0.45	0.82	0.12	-0.03	0.14	0.06
Dividend payout											-0.03	0.00	-0.02	-0.01						-4.27	-1.40	-1.14	-1.73		-0.56
Common stock repurchases	0.00	0.11	-0.11	0.00	-0.19		-0.06	-0.04	-0.07	-0.04	-0.04	0.00	-0.02	-0.02	0.00	0.00	0.00	-0.07	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-0.04	0.00
Net Debt Issuance	-0.15	1.07	0.22	0.39	-0.06	0.14	0.53	0.19	0.18	0.55	0.22	0.61	-0.09	0.70	0.20	-0.03	0.06	1.84	0.24	4.09	2.89	1.59	2.54	0.12	0.53	0.18	0.06

Change in cash	0.38	0.00	0.35	0.01	0.00	0.37	0.09	-0.32	0.17	-0.04	0.23	-0.12	-0.48	-0.05	0.37	-1.11	-0.14	1.14	-0.02	-0.11	1.17	-0.15	0.46	0.07	0.00	-0.08	-0.02