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Income Statement
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Cash Flow
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Balance Sheet
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Income Overview
Revenue
$1,123,019K
Net Income
$137,037K
Net Profit Margin
12.20%
EPS
$0.37
Unit: Thousand (K) dollars
Revenue Breakdown
Contractual interest income on u...
Merchant Network
Gain on sales of loans
Others
Revenue Breakdown
Interest income
Revenue-Merchant Network
Gain on sales of loans
Others
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Page 1
Quarterly
123
Page 1
Income Statement
2025-12-31
2025-09-30
2025-06-30
2025-03-31
Total revenue, net
1,123,019
933,337
876,417
783,135
Loss on loan purchase commitment
96,065
71,552
60,459
57,290
Provision for credit losses
214,153
162,752
156,627
147,252
Funding costs
111,717
110,027
105,913
107,631
Processing and servicing
158,582
133,807
128,345
118,398
Technology and data analytics
184,871
168,106
154,600
152,620
Sales and marketing
98,782
78,491
79,554
74,022
General and administrative
141,223
144,941
132,856
134,303
Restructuring and other
0
0
-1
12
Total operating expenses
1,005,393
869,676
818,353
791,527
Operating income (gain)
117,626
63,661
58,065
-8,393
Other income, net
15,612
19,358
13,515
13,738
Income (loss) before income taxes
133,238
83,019
71,580
5,345
Income tax expense
3,652
2,326
2,337
2,541
Net income (loss)
129,586
80,694
69,244
2,804
Foreign currency translation adjustments
7,836
-10,003
29,598
3,550
Unrealized loss (gain) on securities available for sale, net
-81
812
34
-1,279
Gain on cash flow hedges
-305
-129
-197
778
Net other comprehensive income (loss)
7,450
-9,320
29,435
3,049
Comprehensive income (loss)
137,037
71,373
98,679
5,853
Basic EPS
0.39
0.24
0.302
0.01
Diluted EPS
0.37
0.23
0.277
0.01
Basic Average Shares
334,270,750
330,238,205
326,836,636
324,053,967
Diluted Average Shares
349,365,762
348,278,403
356,438,809
344,224,332
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
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Income Statement
1
2
Contractual interest income
on unpaid...
$428,581K
(14.01%↑ Y/Y)
Amortization of discount on
loans
$85,904K
(33.98%↑ Y/Y)
Merchant Network
$328,380K
(34.09%↑ Y/Y)
Virtual Card Network
$73,035K
(25.61%↑ Y/Y)
Interest income
$493,626K
(20.58%↑ Y/Y)
Revenue
$401,415K
(32.46%↑ Y/Y)
Gain on sales of loans
$185,231K
(47.85%↑ Y/Y)
Servicing income
$42,748K
(49.00%↑ Y/Y)
Writeoffs, net
$13,882K
(153.86%↑ Y/Y)
Amortization of premiums on
loans
$6,977K
(242.91%↑ Y/Y)
Total revenue, net
$1,123,019K
(29.62%↑ Y/Y)
Operating income (gain)
$117,626K
(2821.56%↑ Y/Y)
Other income, net
$15,612K
(-82.09%↓ Y/Y)
Total operating
expenses
$1,005,393K
(15.47%↑ Y/Y)
Income (loss) before
income taxes
$133,238K
(60.80%↑ Y/Y)
Foreign currency
translation adjustments
$7,836K
(122.09%↑ Y/Y)
Provision for credit
losses
$214,153K
(39.99%↑ Y/Y)
Technology and data
analytics
$184,871K
(24.73%↑ Y/Y)
Processing and servicing
$158,582K
(36.76%↑ Y/Y)
General and
administrative
$141,223K
(1.30%↑ Y/Y)
Funding costs
$111,717K
(3.67%↑ Y/Y)
Sales and marketing
$98,782K
(-27.39%↓ Y/Y)
Loss on loan purchase
commitment
$96,065K
(36.69%↑ Y/Y)
Net income (loss)
$129,586K
(61.26%↑ Y/Y)
Net other
comprehensive income (loss)
$7,450K
(119.39%↑ Y/Y)
Income tax expense
$3,652K
(46.14%↑ Y/Y)
Gain on cash flow
hedges
-$305K
(89.38%↑ Y/Y)
Unrealized loss (gain) on
securities available for...
-$81K
(8.99%↑ Y/Y)
Comprehensive income (loss)
$137,037K
(226.83%↑ Y/Y)
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Affirm Holdings, Inc. (AFRM)
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Affirm Holdings, Inc. (AFRM)