Affirm Holdings, Inc. (AFRM)
About Affirm Holdings, Inc.
Founded in 2012, Affirm is a market leader in the buy-now, pay-later space with around $36 billion in transaction volume in fiscal 2025. Affirm offers both zero-interest financing, which is merchant subsidized, and interest-bearing loans, which function as personal loans that are approved on a per-transaction basis. Over 70% of Affirm's transaction volume comes from its interest-bearing loans, which also comprise the majority of its revenue. Affirm primarily operates in the United States, which accounted for more than 95% of its revenue in 2025, but the firm has also expanded to Canada and the United Kingdom.
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Financial summary
- Revenue FY2025
- $1.1B
- Net income
- $52.2M
- Total assets
- $11.2B
- Market cap
- $21.3B
- Operating margin
- -2.7%
- Net margin
- 1.6%
Source: SEC EDGAR · updated Jun 7, 2026
Revenue & profit trend
Financial statements
Income statement
- Revenue
- $3.2B
- Operating expenses
- $3.3B
- Operating income
- -$87.3M
- Income tax
- $9.3M
- Net income
- $52.2M
- EPS (basic)
- $0.16
- EPS (diluted)
- $0.15
Balance sheet
- Total assets
- $11.2B
- Current assets
- $11.2B
- Total liabilities
- $8.1B
- Current liabilities
- $8.1B
- Shareholders’ equity
- $3.1B
Cash flow
- Operating cash flow
- $793.9M
- Investing cash flow
- -$1.1B
- Financing cash flow
- $751.4M
- Net cash flow
- $461.0M
Statements via Polygon.io (SEC filings)
15-minute delayed · data by Polygon.io
Past year · hover for prices
52-week range
- Market cap
- $21.3B
- P/E ratio
- 468.2
- EPS (diluted)
- $0.15
- Shares outstanding
- 303.3M
- Open
- —
- Day range
- –
- Prev close
- —
- Volume
- —
- IPO date
- Jan 13, 2021
Affirm Holdings, Inc. (AFRM) Stock Price
- Profitable — net income of $52.2M in FY2025.
- Revenue grew 270% from FY2021 to FY2025.
- Trading 24% below its 52-week high.
- Valued at a price-to-earnings (P/E) ratio of 468.2.
Automatically generated from public filings and market data. Informational only — not investment advice or a recommendation to buy or sell any security.
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News about Affirm Holdings, Inc.
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Affirm Holdings, Inc.: frequently asked questions
Is Affirm Holdings, Inc. an American company?
Affirm Holdings, Inc. is a US-based company headquartered in San Francisco, California, listed in the americancompanies.com directory of American companies. Its American-origin credentials have not yet been independently verified.
Where is Affirm Holdings, Inc. headquartered?
Affirm Holdings, Inc. is headquartered in San Francisco, California, United States.
Is Affirm Holdings, Inc. publicly traded?
Yes — Affirm Holdings, Inc. is a publicly traded company. Its stock trades under the ticker symbol AFRM on the NASDAQ.
What does Affirm Holdings, Inc. do?
Affirm Holdings, Inc. is an American Financial Services company in the Business & Financial Services sector.
