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Balance Sheets Overview

Debt to Asset Ratio
72.63%
Unit: Thousand (K) dollars
Assets Breakdown
    • Cash and cash equivalents
    • Securities available for sale at...
    • Restricted cash
    • Others
Liabilities Breakdown
    • Additional paid in capital
    • Notes issued by securitization t...
    • Funding debt
    • Others
Balance Sheets
2025-12-31
2025-09-30
2025-06-30
2025-03-31
Cash and cash equivalents
1,527,880
1,428,848
1,354,455
1,351,148
Restricted cash
566,692
668,762
401,968
384,811
Securities available for sale at fair value
723,375
812,442
871,425
780,170
Loans held for sale
6
12
0
1
Loans held for investment
8,773,542
7,235,177
7,025,534
6,630,446
Allowance for credit losses
478,103
425,801
396,929
374,987
Loans held for investment, net
8,295,439
6,809,376
6,628,606
6,255,459
Accounts receivable, net
268,177
283,726
426,177
220,279
Property, equipment and software, net
639,891
613,938
572,637
543,327
Goodwill
533,441
529,910
534,156
522,346
Intangible assets
12,619
12,685
12,935
12,416
Commercial agreement assets
44,395
49,154
57,210
65,178
Other assets
344,986
269,713
295,360
301,052
Total assets
12,956,899
11,478,567
11,154,929
10,436,187
Accounts payable
57,228
58,019
82,820
41,057
Payable to third-party loan owners
130,327
193,790
211,700
176,996
Accrued interest payable
28,784
25,649
24,465
23,944
Accrued expenses
85,398
75,669
72,813
78,927
Operating lease liability
42,277
28,108
31,943
35,640
Collateral held for derivative instruments
-
-
2,787
4,290
Other liabilities
56,783
62,053
49,729
54,772
Accrued expenses and other liabilities
184,459
165,830
157,272
173,629
Convertible senior notes, net
1,127,658
1,127,668
1,153,000
1,152,019
Notes issued by securitization trusts
-
-
-
4,084,934
Notes issued by securitization trusts-Notes Issued By Securitization Trusts
4,834,736
4,830,819
4,833,855
-
Funding debt
3,046,846
1,777,906
1,622,808
1,908,693
Total liabilities
9,410,038
8,179,682
8,085,919
7,561,272
Common stock-Common Class A
2
2
2
2
Common stock-Common Class B
1
1
1
1
Additional paid in capital
6,410,335
6,299,395
6,140,893
6,045,479
Accumulated deficit
-2,846,538
-2,976,124
-3,056,818
-3,126,062
Accumulated other comprehensive loss
-16,939
-24,389
-15,069
-44,504
Total stockholders equity
3,546,861
3,298,885
3,069,009
2,874,916
Total liabilities and stockholders equity
12,956,899
11,478,567
11,154,929
10,436,187
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

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Balance Sheets

Loans held forinvestment$8,773,542K (29.10%↑ Y/Y)Loans held forinvestment, net$8,295,439K (28.96%↑ Y/Y)Cash and cashequivalents$1,527,880K (27.28%↑ Y/Y)Securities available forsale at fair value$723,375K (8.50%↑ Y/Y)Property, equipment andsoftware, net$639,891K (26.38%↑ Y/Y)Restricted cash$566,692K (5.57%↑ Y/Y)Goodwill$533,441K (2.25%↑ Y/Y)Other assets$344,986K (6.16%↑ Y/Y)Accounts receivable, net$268,177K (31.70%↑ Y/Y)Commercial agreementassets$44,395K (-41.66%↓ Y/Y)Intangible assets$12,619K (3.49%↑ Y/Y)Allowance for creditlosses$478,103K (31.41%↑ Y/Y)Total assets$12,956,899K (23.62%↑ Y/Y)Total liabilities andstockholders equity$12,956,899K (23.62%↑ Y/Y)Total liabilities$9,410,038K (22.28%↑ Y/Y)Total stockholdersequity$3,546,861K (27.33%↑ Y/Y)Accumulated deficit-$2,846,538K (9.02%↑ Y/Y)Accumulated othercomprehensive loss-$16,939K (64.38%↑ Y/Y)Notes issued bysecuritization trusts-Notes...$4,834,736K Funding debt$3,046,846K (40.61%↑ Y/Y)Convertible senior notes,net$1,127,658K (-2.03%↓ Y/Y)Accrued expenses andother liabilities$184,459K (18.57%↑ Y/Y)Payable to third-partyloan owners$130,327K (-17.12%↓ Y/Y)Accounts payable$57,228K (13.04%↑ Y/Y)Accrued interestpayable$28,784K (13.52%↑ Y/Y)Additional paid in capital$6,410,335K (7.52%↑ Y/Y)Common stock-CommonClass A$2K (0.00%↑ Y/Y)Common stock-CommonClass B$1K (0.00%↑ Y/Y)Accrued expenses$85,398K (15.09%↑ Y/Y)Other liabilities$56,783K (37.95%↑ Y/Y)Operating lease liability$42,277K (31.98%↑ Y/Y)
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Affirm Holdings, Inc. (AFRM)

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Affirm Holdings, Inc. (AFRM)