Financial insights of AFRM

MyFinsight

For the quarter ending 2025-12-31, AFRM made $1,123,019K in revenue. $137,037K in net income. Net profit margin of 12.20%.

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

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.