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Affirm Holdings, Inc. (AFRM)
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Affirm Holdings, Inc. (AFRM)
Income Statement
|
Cash Flow
|
Balance Sheet
|
Ratios
Cash Flow Overview
Change in Cash
-$3,038K
Free Cash flow
$118,034K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Proceeds from the issuance of fu...
Principal repayments and other l...
Proceeds from the sale of loans ...
Others
Negative Cash Flow Breakdown
Purchases and origination of loa...
Principal repayments of funding ...
Purchases and origination of loa...
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2025-12-31
2025-09-30
2025-06-30
2025-03-31
Net income (loss)
129,586
80,694
69,244
2,804
Provision for losses
214,153
162,752
156,627
147,252
Amortization of premiums and discounts on loans
78,927
65,072
61,972
60,530
Gain on sales of loans
185,231
119,049
116,883
75,839
Gain on extinguishment of debt
42
1,495
0
0
Changes in fair value of assets and liabilities
-2,015
110
-1,690
-834
Amortization of commercial agreement assets
4,759
8,056
7,968
39,424
Amortization of debt issuance costs
7,244
6,828
7,091
10,308
Amortization of discount on securities available for sale
-
-
-9,849
-7,564
Accrued interest on securities available for sale
8,313
9,959
-
-
Commercial agreement warrant expense
-61,207
-40,977
-41,460
-36,063
Stock-based compensation
77,800
85,853
65,495
75,607
Depreciation and amortization
75,593
65,329
63,995
59,467
Impairment of right of use assets
-
-
0
-
Other
14,165
4,930
-3,723
-9,980
Purchases and origination of loans held for sale
728,196
749,202
338,211
789,323
Proceeds from the sale of loans held for sale
727,912
748,761
338,187
789,362
Accounts receivable, net
-11,054
-138,862
208,849
19,884
Other assets
69,985
-30,955
-5,817
-9,429
Accounts payable
-791
-24,801
41,762
-9,568
Payable to third-party loan buyers
-63,462
-17,910
34,703
19,751
Accrued interest payable
3,433
1,621
2,769
-2,277
Accrued expenses and other liabilities
8,091
-3,586
-30,130
1,453
Net cash provided by operating activities
173,738
374,572
74,637
210,388
Purchases and origination of loans held for investment
12,665,105
9,797,362
9,817,626
7,676,063
Proceeds from the sale of loans held for investment
5,323,088
4,282,839
4,449,448
2,858,471
Principal repayments and other loan servicing activity
5,890,329
5,359,253
5,005,990
4,988,174
Acquisition, net of cash and restricted cash acquired
-
-
0
-
Additions to property, equipment and software
55,704
54,365
51,120
53,012
Purchases of securities available for sale
67,935
146,462
270,291
368,710
Proceeds from maturities and repayments of securities available for sale
210,251
216,425
231,390
263,817
Other investing inflows
80
61
99,917
-
Other investing cash inflows/(outflows)
-
-
-
-22,841
Other investing outflows
0
0
65,000
-
Net cash used in investing activities
-1,364,997
-139,611
-454,514
35,517
Proceeds from the issuance of convertible notes
0
-
0
0
Proceeds from the issuance of funding debt
9,292,589
7,980,435
7,150,247
6,130,641
Proceeds from issuance of notes and certificates by securitization trust
0
1,100,000
750,000
1,000,000
Principal repayments of funding debt
8,032,176
7,818,589
7,455,067
6,383,990
Principal repayments of notes issued by securitization trust
0
1,100,000
0
900,000
Payment of debt issuance costs
1,230
9,466
6,474
19,689
Extinguishment of convertible debt
944
24,814
0
0
Proceeds from exercise of common stock options and warrants and contributions to espp
9,270
94,828
10,777
10,527
Payments of tax withholding for stock-based compensation
-
-
62,225
83,043
Repurchase of common stock
0
-
0
0
Taxes paid related to net share settlement of equity awards
80,929
112,307
-
-
Net cash provided by financing activities
1,186,580
110,086
387,259
-245,555
Effect of exchange rate changes on cash, cash equivalents and restricted cash
1,642
-3,861
13,083
-1,548
Net increase in cash, cash equivalents and restricted cash
-3,038
341,187
20,464
-1,198
Cash and cash equivalents at beginning of period
2,097,610
1,756,423
1,384,622
1,384,622
Cash and cash equivalents at end of period
2,094,572
2,097,610
1,756,423
1,735,959
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
Show the time plot by selecting a row from the table.
Cash Flow
Proceeds from the
issuance of funding debt
$9,292,589K
(97.53%↑ Y/Y)
Proceeds from the sale of
loans held for sale
$727,912K
(-30.24%↓ Y/Y)
Proceeds from exercise of
common stock options...
$9,270K
(-74.10%↓ Y/Y)
Provision for losses
$214,153K
(39.99%↑ Y/Y)
Net income (loss)
$129,586K
(61.26%↑ Y/Y)
Stock-based compensation
$77,800K
(-9.64%↓ Y/Y)
Depreciation and
amortization
$75,593K
(37.71%↑ Y/Y)
Commercial agreement
warrant expense
-$61,207K
(29.47%↑ Y/Y)
Accounts receivable, net
-$11,054K
(89.23%↑ Y/Y)
Accrued expenses and
other liabilities
$8,091K
(131.90%↑ Y/Y)
Amortization of debt issuance
costs
$7,244K
(4.88%↑ Y/Y)
Amortization of commercial
agreement assets
$4,759K
(-66.62%↓ Y/Y)
Accrued interest
payable
$3,433K
(227.58%↑ Y/Y)
Changes in fair value of
assets and liabilities
-$2,015K
(31.79%↑ Y/Y)
Net cash provided by
financing activities
$1,186,580K
(723.46%↑ Y/Y)
Net cash provided by
operating activities
$173,738K
(-44.32%↓ Y/Y)
Effect of exchange rate
changes on cash, cash...
$1,642K
(111.32%↑ Y/Y)
Canceled cashflow
$8,115,279K
Canceled cashflow
$1,149,112K
Net increase in
cash, cash...
-$3,038K
(-100.86%↓ Y/Y)
Canceled cashflow
$1,361,960K
Principal repayments and
other loan servicing...
$5,890,329K
(30.06%↑ Y/Y)
Proceeds from the sale of
loans held for...
$5,323,088K
(46.49%↑ Y/Y)
Proceeds from maturities
and repayments of...
$210,251K
(-58.36%↓ Y/Y)
Other investing
inflows
$80K
Principal repayments of
funding debt
$8,032,176K
(88.59%↑ Y/Y)
Taxes paid related to
net share...
$80,929K
Payment of debt issuance
costs
$1,230K
(-93.44%↓ Y/Y)
Extinguishment of convertible
debt
$944K
(-99.89%↓ Y/Y)
Purchases and origination
of loans held for...
$728,196K
(-30.21%↓ Y/Y)
Gain on sales of loans
$185,231K
(47.85%↑ Y/Y)
Amortization of premiums and
discounts on loans
$78,927K
(33.25%↑ Y/Y)
Other assets
$69,985K
(239.93%↑ Y/Y)
Payable to third-party
loan buyers
-$63,462K
(-1318.08%↓ Y/Y)
Other
$14,165K
(24522.41%↑ Y/Y)
Accrued interest on
securities available for...
$8,313K
Accounts payable
-$791K
(88.60%↑ Y/Y)
Gain on
extinguishment of debt
$42K
(-99.93%↓ Y/Y)
Net cash used in
investing activities
-$1,364,997K
(-1432.53%↓ Y/Y)
Canceled cashflow
$11,423,748K
Purchases and origination
of loans held for...
$12,665,105K
(46.19%↑ Y/Y)
Purchases of securities
available for sale
$67,935K
(41.07%↑ Y/Y)
Additions to property,
equipment and software
$55,704K
(26.87%↑ Y/Y)
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