← Affirm Holdings, Inc. AFRM
Market Price
$78.33
Market Cap
$26.23B
P/E Ratio
N/A
Revenue (FY 2025)
↑38.8% YoY
$3.22B
3-Yr CAGR: 33.7%
Net Income
↑110.1% YoY
$52.19M
Net Margin: 1.6%
Free Cash Flow
↑106.9% YoY
$601.72M
FCF Yield: 2.29%
EPS (Diluted)
N/A
Basic: N/A
Return on Equity
Efficiency
1.7%
ROA: 0.5%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (AFRM)
All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
- FY 2020: Revenue YoY (+92.7%) is identical to Gross Profit YoY (+92.7%). Verify the underlying Revenue and Gross Profit values for FY 2020 and FY 2019.
- FY 2021: Revenue YoY (+70.8%) is identical to Gross Profit YoY (+70.8%). Verify the underlying Revenue and Gross Profit values for FY 2021 and FY 2020.
- FY 2022: Revenue YoY (+55.0%) is identical to Gross Profit YoY (+55.0%). Verify the underlying Revenue and Gross Profit values for FY 2022 and FY 2021.
- FY 2023: Revenue YoY (+17.7%) is identical to Gross Profit YoY (+17.7%). Verify the underlying Revenue and Gross Profit values for FY 2023 and FY 2022.
- FY 2024: Revenue YoY (+46.3%) is identical to Gross Profit YoY (+46.3%). Verify the underlying Revenue and Gross Profit values for FY 2024 and FY 2023.
| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2019 | $264.4M | — | $264.4M | $-120.5M | — | — | — | $-87.6M | $-107.1M | — |
| FY 2020 | $509.5M | +92.7% | $509.5M | $-112.6M | +6.5% | — | — | $-71.3M | $-92.3M | +13.8% |
| FY 2021 | $870.5M | +70.8% | $870.5M | $-430.9M | -282.7% | — | — | $-193.1M | $-213.4M | -131.1% |
| FY 2022 | $1,349.3M | +55.0% | $1,349.3M | $-707.4M | -64.2% | — | — | $-162.2M | $-248.5M | -16.5% |
| FY 2023 | $1,588.0M | +17.7% | $1,588.0M | $-985.3M | -39.3% | — | — | $12.2M | $-108.6M | +56.3% |
| FY 2024 | $2,323.0M | +46.3% | $2,323.0M | $-517.8M | +47.5% | — | — | $450.1M | $290.8M | +367.8% |
| FY 2025 | $3,224.4M | +38.8% | $61.5M | $52.2M | +110.1% | — | — | $793.9M | $601.7M | +106.9% |
Valuation
Market Price
$78.33
Market Cap
$26.23B
Enterprise Value
$26.03B
P/E Ratio
N/A
P/B Ratio
8.55
FCF Yield
2.29%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
1.91%
Operating Margin
1.91%
Net Margin
1.62%
Return on Equity (ROE)
1.70%
Return on Assets (ROA)
0.47%
Asset Turnover
0.29x
Revenue 3-Yr CAGR
33.69%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
0.376
Debt / Assets
0.103
Cash & Equivalents
$1.35B
Total Debt
$1.15B
Book Value / Share
$9.16
Cash Flow Efficiency
Operating Cash Flow
$793.91M
Capital Expenditures (CapEx)
$192.19M
Free Cash Flow
$601.72M
OCF / Revenue
24.62%
FCF / Revenue
18.66%
FCF 3-Yr CAGR
N/A
Per Share Metrics
EPS (Diluted)
N/A
EPS (Basic)
N/A
Dividends / Share
N/A
Book Value / Share
$9.16
EPS YoY Growth
N/A
Balance Sheet (FY 2025)
Total Assets
$11.15B
Total Liabilities
$11.15B
Stockholders' Equity
$3.07B
Current Assets
N/A
Current Liabilities
N/A