# Affirm Holdings, Inc.: overview

AFRM · Nasdaq · CIK 1820953 · [Financials](/sectors/financials.md) · fiscal year ends Jun 30

Pages: [Overview](/companies/afrm.md) · [Financials](/companies/afrm/financials.md) · [Filings](/companies/afrm/filings.md) · [Insiders](/companies/afrm/insiders.md)

Latest reported revenue: [$387.5m](/filings/0001628280-26-059279.md) for Q4 FY2026, three months to 2026-06-30, from the 10-K filed Aug 27, 2026 (XBRL us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax, accession 0001628280-26-059279).

## Last eight quarters

| Line item | Unit | Q1 FY2025 (2024-09-30) | Q2 FY2025 (2024-12-31) | Q3 FY2025 (2025-03-31) | Q4 FY2025 (2025-06-30) | Q1 FY2026 (2025-09-30) | Q2 FY2026 (2025-12-31) | Q3 FY2026 (2026-03-31) | Q4 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | [232](/filings/0001628280-25-050295.md) | [303](/filings/0001628280-26-005855.md) | [273](/filings/0001628280-26-032294.md) | [307 d](/filings/0001628280-26-059279.md) | [320](/filings/0001628280-25-050295.md) | [401](/filings/0001628280-26-005855.md) | [334](/filings/0001628280-26-032294.md) | [388 d](/filings/0001628280-26-059279.md) |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | [(57.2%)](/filings/0001628280-25-050295.md) | [(1.4%)](/filings/0001628280-26-005855.md) | [(3.1%)](/filings/0001628280-26-032294.md) | [18.9% d](/filings/0001628280-26-059279.md) | [19.9%](/filings/0001628280-25-050295.md) | [29.3%](/filings/0001628280-26-005855.md) | [26.4%](/filings/0001628280-26-032294.md) | [38.0% d](/filings/0001628280-26-059279.md) |
| Net margin | % | [(43.2%)](/filings/0001628280-26-032294.md) | [26.5%](/filings/0001628280-26-032294.md) | [1.0%](/filings/0001628280-26-032294.md) | [22.6% d](/filings/0001628280-26-059279.md) | [25.2%](/filings/0001628280-26-032294.md) | [32.3%](/filings/0001628280-26-032294.md) | [30.8%](/filings/0001628280-26-032294.md) | [417.2% d](/filings/0001628280-26-059279.md) |
| Diluted EPS | $ per share | [(0.31)](/filings/0001628280-25-050295.md) | [0.23](/filings/0001628280-26-005855.md) | [0.01](/filings/0001628280-26-032294.md) | not reported | [0.23](/filings/0001628280-25-050295.md) | [0.37](/filings/0001628280-26-005855.md) | [0.30](/filings/0001628280-26-032294.md) | not reported |
| Free cash flow | $m | [153](/filings/0001628280-25-050295.md) | [268 d](/filings/0001628280-26-005855.md) | [157 d](/filings/0001628280-26-032294.md) | [23.5 d](/filings/0001628280-26-059279.md) | [320](/filings/0001628280-25-050295.md) | [118 d](/filings/0001628280-26-005855.md) | [325 d](/filings/0001628280-26-032294.md) | [229 d](/filings/0001628280-26-059279.md) |

- Revenue. XBRL Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax. Derived values: 12-month figure less the 9-month figure.
- Gross margin (gross profit / revenue). XBRL Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax. Derived values: 12-month figure less the 9-month figure.
- Operating margin (operating income / revenue). XBRL Operating income: us-gaap:OperatingIncomeLoss; Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax. Derived values: 12-month figure less the 9-month figure.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss; Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax. Derived values: 12-month figure less the 9-month figure.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment. Derived values: 6-month figure less the 3-month figure; 9-month figure less the 6-month figure; 12-month figure less the 9-month figure.

## Last five fiscal years

| Line item | Unit | FY2022 (2022-06-30) | FY2023 (2023-06-30) | FY2024 (2024-06-30) | FY2025 (2025-06-30) | FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | [559](/filings/0001820953-24-000035.md) | [627](/filings/0001820953-25-000080.md) | [826](/filings/0001628280-26-059279.md) | [1,114](/filings/0001628280-26-059279.md) | [1,444](/filings/0001628280-26-059279.md) |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | [(154.9%)](/filings/0001820953-24-000035.md) | [(191.5%)](/filings/0001820953-25-000080.md) | [(74.6%)](/filings/0001628280-26-059279.md) | [(7.8%)](/filings/0001628280-26-059279.md) | [28.9%](/filings/0001628280-26-059279.md) |
| Net margin | % | [(126.5%)](/filings/0001820953-24-000035.md) | [(157.2%)](/filings/0001820953-25-000080.md) | [(62.7%)](/filings/0001628280-26-059279.md) | [4.7%](/filings/0001628280-26-059279.md) | [133.6%](/filings/0001628280-26-059279.md) |
| Diluted EPS | $ per share | [(2.51)](/filings/0001820953-24-000035.md) | [(3.34)](/filings/0001820953-25-000080.md) | [(1.67)](/filings/0001628280-26-059279.md) | [0.15](/filings/0001628280-26-059279.md) | [5.53](/filings/0001628280-26-059279.md) |
| Free cash flow | $m | [(248)](/filings/0001820953-24-000035.md) | [(109)](/filings/0001820953-25-000080.md) | [291](/filings/0001628280-26-059279.md) | [602](/filings/0001628280-26-059279.md) | [993](/filings/0001628280-26-059279.md) |

- Revenue. XBRL Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax.
- Gross margin (gross profit / revenue). XBRL Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax.
- Operating margin (operating income / revenue). XBRL Operating income: us-gaap:OperatingIncomeLoss; Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss; Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment.

Each value links to the filing it came from. d marks a derived value. A ratio is not reported when any input is missing.

## Insider purchases and sales

The last 20 open-market transactions on Form 4 (codes P and S). Reported price is as stated on the form, not a market price. [All insider transactions](/companies/afrm/insiders.md)

None in coverage.

## Funds that report holding it

From each manager’s latest Form 13F, largest reported value first. Reported value is as filed: filing data, not a price. [All funds](/funds.md)

| Fund | Quarter ended | Reported value | Shares | Put or call | Change on the quarter before |
| --- | --- | ---: | ---: | --- | --- |
| [Capital Research Global Investors](/funds/1422848.md) | 2026-06-30 | $2.12bn | 26,000,572 |  | Added +1,408,539 |
| [Capital World Investors](/funds/1422849.md) | 2026-06-30 | $1.89bn | 23,115,136 |  | Added +602,213 |
| [MORGAN STANLEY](/funds/895421.md) | 2026-06-30 | $1.88bn | 23,000,269 |  | Added +1,284,287 |
| [BlackRock, Inc.](/funds/2012383.md) | 2026-06-30 | $1.60bn | 19,613,537 |  | Added +881,044 |
| [FMR LLC](/funds/315066.md) | 2026-06-30 | $1.43bn | 17,581,656 |  | Added +287,275 |
| [JPMORGAN CHASE & CO](/funds/19617.md) | 2026-06-30 | $1.37bn | 16,722,922 |  | Added +11,425,906 |
| [VANGUARD CAPITAL MANAGEMENT LLC](/funds/2100119.md) | 2026-06-30 | $1.00bn | 12,320,890 |  | Added +168,515 |
| [VANGUARD PORTFOLIO MANAGEMENT LLC](/funds/2100121.md) | 2026-06-30 | $969.3m | 11,886,405 |  | Added +286,412 |
| [STATE STREET CORP](/funds/93751.md) | 2026-06-30 | $517.8m | 6,349,214 |  | Added +318,073 |
| [BAILLIE GIFFORD & CO](/funds/1088875.md) | 2026-06-30 | $477.6m | 5,856,569 |  | Added +554,272 |

## Recent filings

[All 719 filings](/companies/afrm/filings.md)

| Filed | Accepted | Form | What it is | Accession |
| --- | --- | --- | --- | --- |
| 2026-10-23 | 16:07 ET | [DEF 14A](/filings/0001628280-26-067042.md) | Proxy statement, period 2026-06-30 | 0001628280-26-067042 |
| 2026-08-27 | 21:06 ET | [10-K](/filings/0001628280-26-059279.md) | Annual report, period 2026-06-30 | 0001628280-26-059279 |
| 2026-08-27 | 20:31 ET | [8-K](/filings/0001628280-26-059271.md) | 2.02 Results of operations; 5.02 Departure or appointment of officers or directors; 9.01 Financial statements and exhibits | 0001628280-26-059271 |
| 2026-06-25 | 20:05 ET | [8-K](/filings/0001628280-26-045491.md) | 1.01 Entry into a material agreement; 5.02 Departure or appointment of officers or directors; 9.01 Financial statements and exhibits | 0001628280-26-045491 |
| 2026-05-07 | 21:04 ET | [10-Q](/filings/0001628280-26-032294.md) | Quarterly report, period 2026-03-31 | 0001628280-26-032294 |
| 2026-05-07 | 20:11 ET | [8-K](/filings/0001628280-26-032105.md) | 2.02 Results of operations; 9.01 Financial statements and exhibits | 0001628280-26-032105 |
| 2026-02-05 | 22:04 ET | [10-Q](/filings/0001628280-26-005855.md) | Quarterly report, period 2025-12-31 | 0001628280-26-005855 |
| 2026-02-05 | 21:09 ET | [8-K](/filings/0001628280-26-005772.md) | 2.02 Results of operations; 9.01 Financial statements and exhibits | 0001628280-26-005772 |
| 2026-01-16 | 22:04 ET | [8-K](/filings/0001628280-26-002442.md) | 5.02 Departure or appointment of officers or directors | 0001628280-26-002442 |
| 2025-12-18 | 21:05 ET | [8-K](/filings/0001628280-25-057930.md) | 5.07 Shareholder vote results | 0001628280-25-057930 |

## Latest annual report

[Form 10-K for the fiscal year ended Jun 30, 2026](/filings/0001628280-26-059279.md), filed Aug 27, 2026.

## Forecast league

Q1 FY2027, the quarter ended 2026-09-30, is open for forecasts until the first results filing for it is accepted by EDGAR. Results are due by \[object Promise\]. [Forecast this quarter](/leagues/2026q3/targets/f4916a77-fada-4ae7-9029-0e584e77cc94)

## About the filer

- CIK: 1820953
- Tickers: AFRM
- Exchange: Nasdaq
- SIC code: 6141 Personal Credit Institutions
- State of incorporation: NV
- Filer category: Large accelerated filer

Source: SEC EDGAR, XBRL company facts, the filing index and Forms 4. Last ingested by Listed: Oct 24, 2026, 15:48 ET. No prices; not investment advice.