Affirm Holdings, Inc.AFRMEarnings & Financial Report
Nasdaq · fintech
Affirm Holdings, Inc. is an American financial technology company and a point-of-sale lender. Founded in 2012 by PayPal co-founder Max Levchin, it is the largest U.S. based buy now, pay later (BNPL) financier. As of 2025, Affirm reports nearly 26 million users and processing $37 billion in annual payments.
NextMay 9, 2026
AFRM Q2 2026 Key Financial Metrics
Revenue
$401.4M
Gross Profit
N/A
Operating Profit
$117.6M
Net Profit
$129.6M
Gross Margin
N/A
Operating Margin
29.3%
Net Margin
32.3%
YoY Growth
32.5%
EPS
$0.37
Financial Flow
Affirm Holdings, Inc. Q2 2026 Financial Summary
Affirm Holdings, Inc. reported revenue of $401.4M for Q2 2026, with a net profit of $129.6M (32.3% margin). Cost of goods sold was N/A, operating expenses totaled N/A.
Key Financial Metrics
| Total Revenue | $401.4M |
|---|---|
| Net Profit | $129.6M |
| Gross Margin | N/A |
| Operating Margin | 29.3% |
| Report Period | Q2 2026 |
Affirm Holdings, Inc. Annual Revenue by Year
Affirm Holdings, Inc. annual revenue history includes year-by-year totals (for example, 2025 revenue was $1.1B).
| Year | Annual Revenue |
|---|---|
| 2025 | $1.1B |
| 2024 | $826.0M |
| 2023 | $626.9M |
| 2022 | $559.2M |
Income Statement
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $195.0M | $224.0M | $231.8M | $303.0M | $272.5M | $306.6M | $320.5M | $401.4M |
| YoY Growth | 31.3% | 27.7% | 29.2% | 33.1% | 39.8% | 36.9% | 38.2% | 32.5% |
Balance Sheet
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $9.20B | $9.52B | $10.14B | $10.48B | $10.44B | $11.15B | $11.48B | $12.96B |
| Liabilities | $6.58B | $6.79B | $7.30B | $7.70B | $7.56B | $8.09B | $8.18B | $9.41B |
| Equity | $2.62B | $2.73B | $2.84B | $2.79B | $2.87B | $3.07B | $3.30B | $3.55B |
Cash Flow
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $208.2M | $68.8M | $196.9M | $312.0M | $210.4M | $74.6M | $374.6M | $173.7M |
