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Affirm Holdings Income Statement 2026-2011 | AFRM
Brief overview of income trends at Affirm Holdings
This overview is based on financial performance over the past five years. According to figures from Affirm Holdings, revenue changed from 510 million dollars to 3.2 billion dollars over five years. The cumulative result was +532.8%, corresponding to roughly 44.6% per year. This pace points to rapid expansion of the business.
Over the period, EBITDA shifted from −98.3 million dollars to 138 million dollars, a change of +240.1%. Operating performance weakened relative to revenue. EBITDA margin moved from −19.3% to 4.3%. Higher profitability strengthens the quality of operating growth.
The final result was −113 million dollars initially and 52.2 million dollars in the final year. The return to profit marks a meaningful recovery in the final result.
Summary assessment
The financial profile remains mixed, with strengths and risks moving in different directions. The positive side is supported by revenue expansion, net-income growth and an improving EBITDA margin. The main areas of concern are a low EBITDA margin. The key question is whether sales can be converted into sustainable profit.
Annual Income Statement Affirm Holdings
| 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Market Cap |
26 B | 25.8 B | 24.8 B | 5.25 B | 6.88 B | 15.9 B | - | - | - | - | - | - | - | - | - | - |
Shares |
335 M | 323 M | 310 M | 295 M | 282 M | 158 M | 47.9 M | - | - | - | - | - | - | - | - | - |
Historical Prices |
77.5 | 80 | 80 | 17.8 | 24.4 | 101 | - | - | - | - | - | - | - | - | - | - |
Net Income |
1.93 B | 52.2 M | -518 M | -985 M | -707 M | -441 M | -113 M | -120 M | - | - | - | - | - | - | - | - |
Revenue |
4.26 B | 3.22 B | 2.32 B | 1.59 B | 1.35 B | 870 M | 510 M | 140 M | - | - | - | - | - | - | - | - |
Gross Profit |
- | - | - | - | - | - | - | 31.5 M | - | - | - | - | - | - | - | - |
Operating Income |
417 M | -87.3 M | -616 M | -1.2 B | -866 M | -384 M | -108 M | -127 M | - | - | - | - | - | - | - | - |
Interest Expense |
75.8 M | 149 M | 100 M | 212 M | 141 M | -59.7 M | -4.43 M | 7.02 M | - | - | - | - | - | - | - | - |
EBITDA |
720 M | 138 M | -447 M | -1.07 B | -813 M | -364 M | -98.3 M | -215 M | - | - | - | - | - | - | - | - |
Operating Expenses |
- | - | - | - | - | - | - | 252 M | - | - | - | - | - | - | - | - |
General and Administrative Expenses |
578 M | 545 M | 525 M | 586 M | 577 M | 384 M | 121 M | 88.9 M | - | - | - | - | - | - | - | - |
All numbers in USD currency
Quarterly Income Statement Affirm Holdings
| 2026-Q4 | 2026-Q3 | 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Shares |
- | 337 M | 334 M | 330 M | 334 M | 330 M | 322 M | 318 M | 322 M | 318 M | 308 M | 313 M | 308 M | 304 M | 294 M | 297 M | 294 M | 291 M | 292 M | 286 M | 282 M | 272 M | 274 M | 233 M | 70.8 M | 64.8 M | 70.8 M | 47.4 M | 48.1 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Net Income |
- | 103 M | 130 M | 80.7 M | 130 M | 80.7 M | 80.4 M | -100 M | 80.4 M | -100 M | -167 M | -134 M | -167 M | -172 M | -322 M | -206 M | -322 M | -251 M | -574 M | -54.7 M | -160 M | -307 M | -466 M | -307 M | -26.6 M | -26.6 M | -31.6 M | -85.6 M | -31 M | -30.8 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Revenue |
- | 1.04 B | 1.12 B | 933 M | 1.12 B | 933 M | 866 M | 698 M | 866 M | 698 M | 591 M | 576 M | 591 M | 497 M | 400 M | 381 M | 400 M | 362 M | 761 M | 355 M | 361 M | 269 M | 630 M | 231 M | 204 M | 174 M | 204 M | 138 M | 130 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Operating Income |
- | 88.4 M | 118 M | 63.7 M | 118 M | 63.7 M | -4.32 M | -133 M | -4.32 M | -133 M | -172 M | -161 M | -172 M | -209 M | -360 M | -310 M | -360 M | -287 M | -647 M | -227 M | -196 M | -166 M | -362 M | -209 M | -26.8 M | -33.3 M | -31.7 M | -81.5 M | -32.6 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Interest Expense |
- | 18.9 M | 15.6 M | 19.4 M | 15.6 M | 19.4 M | 87.2 M | 34.3 M | 87.2 M | 34.3 M | 4.55 M | 27.7 M | 4.55 M | 38.7 M | 35.5 M | 104 M | 35.5 M | 36 M | 71.5 M | 172 M | 36.7 M | -140 M | -104 M | -77.8 M | 240 K | 29.4 M | 240 K | -4.02 M | 1.73 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
EBITDA |
- | 304 M | 259 M | 129 M | 193 M | 129 M | 97.3 M | -85.9 M | 50 M | -85.9 M | -106 M | -118 M | -136 M | -169 M | -316 M | -286 M | -344 M | -267 M | -603 M | -219 M | -190 M | -156 M | -340 M | -208 M | -24.6 M | -29.6 M | -24.6 M | -81.5 M | -32.6 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
General and Administrative Expenses |
- | 145 M | 141 M | 145 M | 141 M | 145 M | 139 M | 138 M | 139 M | 138 M | 133 M | 129 M | 133 M | 140 M | 159 M | 139 M | 159 M | 161 M | 320 M | 142 M | 141 M | 136 M | 277 M | 180 M | 40.9 M | 32.3 M | 40.9 M | 31.4 M | 30.7 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
The income statement is one of the three key financial reports of a company Affirm Holdings (alongside the balance sheet and the cash flow statement). It shows how the company makes money and what its expenses are:
- How much revenue the company earned
- How much it spent on production, personnel, marketing, taxes, etc.
- What profit remained in the end
Analyzing the income statement helps an investor understand whether the business generates stable and growing profits, how effectively the company controls its expenses, and whether it is capable of generating income in the future. Additionally, this analysis shows how the company copes with crises and economic cycles, and allows assessing the potential for stock price growth and dividend payments.
Features- The income statement may include both recurring and one-time items (for example, profit from the sale of assets). It is necessary to separate core metrics from one-off events for accurate analysis.
- Companies often publish interim reports (e.g., quarterly), which allows for more timely tracking of trends.
- A combined analysis of the income statement with the balance sheet and cash flow statement provides a comprehensive view of the company’s financial health.
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