Affirm Holdings, Inc.
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
52-week range
- Market cap
- $21.3B
- P/E ratio
- 436.4
- EPS (diluted)
- $0.15
- Shares outstanding
- 325.4M
- Open
- —
- Day range
- –
- Prev close
- —
- Volume
- —
- IPO date
- Jan 13, 2021
Market data by Polygon.io · prices are 15-minute delayed
At a glance
- Profitable — net income of $52.2M in FY2025.
- Revenue grew 270% from FY2021 to FY2025.
- Trading 29% below its 52-week high.
- Valued at a price-to-earnings (P/E) ratio of 436.4.
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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