Affirm Holdings, Inc.

NasdaqGS:AFRM Stock Report

Market Cap: US$25.4b

Affirm Holdings Past Earnings Performance

Past criteria checks 0/6

Affirm Holdings's earnings have been declining at an average annual rate of -8.1%, while the Diversified Financial industry saw earnings growing at 11% annually. Revenues have been growing at an average rate of 31.9% per year.

Key information

-8.09%

Earnings growth rate

11.24%

EPS growth rate

Diversified Financial Industry Growth6.15%
Revenue growth rate31.87%
Return on equity-2.16%
Net Margin-2.07%
Next Earnings Update28 Aug 2025

Recent past performance updates

Recent updates

Affirm: Set For A Breakout (Rating Upgrade)

Jun 25

Revenues Tell The Story For Affirm Holdings, Inc. (NASDAQ:AFRM) As Its Stock Soars 31%

Jun 20
Revenues Tell The Story For Affirm Holdings, Inc. (NASDAQ:AFRM) As Its Stock Soars 31%

Revenues Tell The Story For Affirm Holdings, Inc. (NASDAQ:AFRM) As Its Stock Soars 46%

May 04
Revenues Tell The Story For Affirm Holdings, Inc. (NASDAQ:AFRM) As Its Stock Soars 46%
author-image

0% APR Loans And AI Will Redefine Consumer Lending

Expanding 0% APR loans and consumer network aims to boost customer base and transaction volumes, fostering revenue and GMV growth.

Affirm: What Does Losing Walmart Mean For Affirm?

Mar 28

Affirm: Rating Upgrade With GAAP Profitability Imminent

Mar 10

Affirm Holdings, Inc. (NASDAQ:AFRM) Stocks Pounded By 31% But Not Lagging Industry On Growth Or Pricing

Mar 09
Affirm Holdings, Inc. (NASDAQ:AFRM) Stocks Pounded By 31% But Not Lagging Industry On Growth Or Pricing

Affirm Holdings Q2: A Perfect Time To Take Profits (Rating Downgrade)

Feb 07

Affirm: Minimal Gains Expected From Here (Technical Analysis)

Jan 15

Affirm: Big Bull For 2025

Jan 08

Affirm: Wait Now, Buy Later

Dec 07

Affirm Holdings Could Be Set For A Breakout

Nov 19

After Leaping 26% Affirm Holdings, Inc. (NASDAQ:AFRM) Shares Are Not Flying Under The Radar

Nov 17
After Leaping 26% Affirm Holdings, Inc. (NASDAQ:AFRM) Shares Are Not Flying Under The Radar

US$48.57 - That's What Analysts Think Affirm Holdings, Inc. (NASDAQ:AFRM) Is Worth After These Results

Nov 10
US$48.57 - That's What Analysts Think Affirm Holdings, Inc. (NASDAQ:AFRM) Is Worth After These Results

Affirm: Look Beyond Next Earnings Release

Nov 05

Affirm: Still A Prime BNPL Player After A Moderate Pullback

Oct 22

Affirm Holdings Is A Buy (Technical Analysis)

Sep 17

After Leaping 71% Affirm Holdings, Inc. (NASDAQ:AFRM) Shares Are Not Flying Under The Radar

Sep 02
After Leaping 71% Affirm Holdings, Inc. (NASDAQ:AFRM) Shares Are Not Flying Under The Radar

Affirm: Unnecessary Focus On GAAP Profits

Aug 29

Affirm Holdings: Undervalued With Potential For Re-Rating And Long-Term Growth

Jun 20

Affirm: Significant Upside Potential, Growing Adoption With Expanding Merchants And Profitability

May 23

Affirm: More Room To Grow In A Favorable BNPL Landscape

May 16

Affirm: Acceleration Across The Board

Apr 18

Affirm: Risk-Reward Is Attractive To Initiate A Position In The Stock

Apr 06

Affirm Holdings: Get In Before The Fed Cuts

Mar 07

Affirm: The Recent Inflection In The Business Is Under-Appreciated

Jan 23

Revenue & Expenses Breakdown

How Affirm Holdings makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

NasdaqGS:AFRM Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Mar 253,007-621,024559
31 Dec 242,800-1991,080532
30 Sep 242,525-4461,097503
30 Jun 242,323-5181,100502
31 Mar 242,110-6791,114530
31 Dec 231,914-7501,129567
30 Sep 231,723-9061,183604
30 Jun 231,588-9851,222616
31 Mar 231,506-9661,276599
31 Dec 221,480-8151,296547
30 Sep 221,442-6521,234486
30 Jun 221,349-7071,110419
31 Mar 221,247-644960352
31 Dec 211,123-877900347
30 Sep 21966-744695294
30 Jun 21870-441554249
31 Mar 21762-283410212
31 Dec 20670-81210141
30 Sep 20596-99168131
30 Jun 20510-113146122
30 Jun 19264-13510676

Quality Earnings: AFRM is currently unprofitable.

Growing Profit Margin: AFRM is currently unprofitable.

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: AFRM is unprofitable, and losses have increased over the past 5 years at a rate of 8.1% per year.

Accelerating Growth: Unable to compare AFRM's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: AFRM is unprofitable, making it difficult to compare its past year earnings growth to the Diversified Financial industry (8.4%).

Return on Equity

High ROE: AFRM has a negative Return on Equity (-2.16%), as it is currently unprofitable.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/08/17 00:34
End of Day Share Price 2025/08/15 00:00
Earnings2025/03/31
Annual Earnings2024/06/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Affirm Holdings, Inc. is covered by 42 analysts. 22 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Ramsey El-AssalBarclays
James FotheringhamBMO Capital Markets Equity Research
Rufus HoneBMO Capital Markets Equity Research