vs
Side-by-side financial comparison of Affirm Holdings, Inc. (AFRM) and INTERFACE INC (TILE). Click either name above to swap in a different company.
Affirm Holdings, Inc. is the larger business by last-quarter revenue ($401.4M vs $349.4M, roughly 1.1× INTERFACE INC). Affirm Holdings, Inc. runs the higher net margin — 32.3% vs 7.0%, a 25.3% gap on every dollar of revenue. On growth, Affirm Holdings, Inc. posted the faster year-over-year revenue change (32.5% vs 4.3%). Affirm Holdings, Inc. produced more free cash flow last quarter ($118.0M vs $28.6M). Over the past eight quarters, Affirm Holdings, Inc.'s revenue compounded faster (43.5% CAGR vs 9.8%).
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.
Interface, Inc., headquartered in Atlanta, Georgia, is a global manufacturer of commercial flooring. The company sells modular carpet tiles, luxury vinyl tile, and Nora brand rubber flooring.
AFRM vs TILE — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $401.4M | $349.4M |
| Net Profit | $129.6M | $24.4M |
| Gross Margin | — | 38.6% |
| Operating Margin | 29.3% | 10.1% |
| Net Margin | 32.3% | 7.0% |
| Revenue YoY | 32.5% | 4.3% |
| Net Profit YoY | 61.3% | 12.1% |
| EPS (diluted) | $0.37 | $0.41 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $401.4M | $349.4M | ||
| Q3 25 | $320.5M | $364.5M | ||
| Q2 25 | $306.6M | $375.5M | ||
| Q1 25 | $272.5M | $297.4M | ||
| Q4 24 | $303.0M | $335.0M | ||
| Q3 24 | $231.8M | $344.3M | ||
| Q2 24 | $224.0M | $346.6M | ||
| Q1 24 | $195.0M | $289.7M |
| Q4 25 | $129.6M | $24.4M | ||
| Q3 25 | $80.7M | $46.1M | ||
| Q2 25 | $69.2M | $32.6M | ||
| Q1 25 | $2.8M | $13.0M | ||
| Q4 24 | $80.4M | $21.8M | ||
| Q3 24 | $-100.2M | $28.4M | ||
| Q2 24 | $-45.1M | $22.6M | ||
| Q1 24 | $-133.9M | $14.2M |
| Q4 25 | — | 38.6% | ||
| Q3 25 | — | 39.4% | ||
| Q2 25 | — | 39.4% | ||
| Q1 25 | — | 37.3% | ||
| Q4 24 | — | 36.5% | ||
| Q3 24 | — | 37.1% | ||
| Q2 24 | — | 35.4% | ||
| Q1 24 | — | 38.1% |
| Q4 25 | 29.3% | 10.1% | ||
| Q3 25 | 19.9% | 14.6% | ||
| Q2 25 | 18.9% | 13.9% | ||
| Q1 25 | -3.1% | 7.8% | ||
| Q4 24 | -1.4% | 8.8% | ||
| Q3 24 | -57.2% | 12.3% | ||
| Q2 24 | -32.8% | 11.0% | ||
| Q1 24 | -82.5% | 8.4% |
| Q4 25 | 32.3% | 7.0% | ||
| Q3 25 | 25.2% | 12.7% | ||
| Q2 25 | 22.6% | 8.7% | ||
| Q1 25 | 1.0% | 4.4% | ||
| Q4 24 | 26.5% | 6.5% | ||
| Q3 24 | -43.2% | 8.3% | ||
| Q2 24 | -20.2% | 6.5% | ||
| Q1 24 | -68.7% | 4.9% |
| Q4 25 | $0.37 | $0.41 | ||
| Q3 25 | $0.23 | $0.78 | ||
| Q2 25 | $0.22 | $0.55 | ||
| Q1 25 | $0.01 | $0.22 | ||
| Q4 24 | $0.23 | $0.38 | ||
| Q3 24 | $-0.31 | $0.48 | ||
| Q2 24 | $-0.13 | $0.38 | ||
| Q1 24 | $-0.43 | $0.24 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.5B | $71.3M |
| Total DebtLower is stronger | $9.0B | $181.6M |
| Stockholders' EquityBook value | $3.5B | $640.7M |
| Total Assets | $13.0B | $1.2B |
| Debt / EquityLower = less leverage | 2.54× | 0.28× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.5B | $71.3M | ||
| Q3 25 | $1.4B | $187.4M | ||
| Q2 25 | $1.4B | $121.7M | ||
| Q1 25 | $1.4B | $97.8M | ||
| Q4 24 | $1.2B | $99.2M | ||
| Q3 24 | $1.0B | $115.6M | ||
| Q2 24 | $1.0B | $94.2M | ||
| Q1 24 | $1.3B | $89.8M |
| Q4 25 | $9.0B | $181.6M | ||
| Q3 25 | $7.7B | $307.8M | ||
| Q2 25 | $7.6B | $304.4M | ||
| Q1 25 | $7.1B | $302.9M | ||
| Q4 24 | $7.3B | $302.8M | ||
| Q3 24 | — | $337.9M | ||
| Q2 24 | $1.8B | $387.6M | ||
| Q1 24 | — | $391.8M |
| Q4 25 | $3.5B | $640.7M | ||
| Q3 25 | $3.3B | $621.0M | ||
| Q2 25 | $3.1B | $575.0M | ||
| Q1 25 | $2.9B | $513.1M | ||
| Q4 24 | $2.8B | $489.1M | ||
| Q3 24 | $2.8B | $501.6M | ||
| Q2 24 | $2.7B | $451.2M | ||
| Q1 24 | $2.6B | $428.5M |
| Q4 25 | $13.0B | $1.2B | ||
| Q3 25 | $11.5B | $1.3B | ||
| Q2 25 | $11.2B | $1.3B | ||
| Q1 25 | $10.4B | $1.2B | ||
| Q4 24 | $10.5B | $1.2B | ||
| Q3 24 | $10.1B | $1.2B | ||
| Q2 24 | $9.5B | $1.2B | ||
| Q1 24 | $9.2B | $1.2B |
| Q4 25 | 2.54× | 0.28× | ||
| Q3 25 | 2.35× | 0.50× | ||
| Q2 25 | 2.48× | 0.53× | ||
| Q1 25 | 2.49× | 0.59× | ||
| Q4 24 | 2.62× | 0.62× | ||
| Q3 24 | — | 0.67× | ||
| Q2 24 | 0.67× | 0.86× | ||
| Q1 24 | — | 0.91× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $173.7M | $49.3M |
| Free Cash FlowOCF − Capex | $118.0M | $28.6M |
| FCF MarginFCF / Revenue | 29.4% | 8.2% |
| Capex IntensityCapex / Revenue | 13.9% | 5.9% |
| Cash ConversionOCF / Net Profit | 1.34× | 2.02× |
| TTM Free Cash FlowTrailing 4 quarters | $619.1M | $121.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $173.7M | $49.3M | ||
| Q3 25 | $374.6M | $76.7M | ||
| Q2 25 | $74.6M | $30.1M | ||
| Q1 25 | $210.4M | $11.7M | ||
| Q4 24 | $312.0M | $38.0M | ||
| Q3 24 | $196.9M | $76.2M | ||
| Q2 24 | $68.8M | $21.5M | ||
| Q1 24 | $208.2M | $12.6M |
| Q4 25 | $118.0M | $28.6M | ||
| Q3 25 | $320.2M | $66.1M | ||
| Q2 25 | $23.5M | $22.8M | ||
| Q1 25 | $157.4M | $4.3M | ||
| Q4 24 | $268.1M | $24.4M | ||
| Q3 24 | $152.7M | $69.7M | ||
| Q2 24 | $30.5M | $12.0M | ||
| Q1 24 | $161.7M | $8.6M |
| Q4 25 | 29.4% | 8.2% | ||
| Q3 25 | 99.9% | 18.1% | ||
| Q2 25 | 7.7% | 6.1% | ||
| Q1 25 | 57.7% | 1.4% | ||
| Q4 24 | 88.5% | 7.3% | ||
| Q3 24 | 65.9% | 20.3% | ||
| Q2 24 | 13.6% | 3.5% | ||
| Q1 24 | 82.9% | 3.0% |
| Q4 25 | 13.9% | 5.9% | ||
| Q3 25 | 17.0% | 2.9% | ||
| Q2 25 | 16.7% | 2.0% | ||
| Q1 25 | 19.5% | 2.5% | ||
| Q4 24 | 14.5% | 4.1% | ||
| Q3 24 | 19.0% | 1.9% | ||
| Q2 24 | 17.1% | 2.8% | ||
| Q1 24 | 23.8% | 1.4% |
| Q4 25 | 1.34× | 2.02× | ||
| Q3 25 | 4.64× | 1.66× | ||
| Q2 25 | 1.08× | 0.93× | ||
| Q1 25 | 75.03× | 0.90× | ||
| Q4 24 | 3.88× | 1.75× | ||
| Q3 24 | — | 2.68× | ||
| Q2 24 | — | 0.95× | ||
| Q1 24 | — | 0.89× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AFRM
| Merchant Network | $328.4M | 82% |
| Virtual Card Network | $73.0M | 18% |
| Commercial Agreement Amazon | $1.9M | 0% |
TILE
| AMS | $205.9M | 59% |
| EAAA | $143.5M | 41% |
