← Affirm Holdings, Inc.
| Annual Trend | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $264.4m |
$509.5m
+92.74%
|
$870.5m
+70.84%
|
$1.3b
+55.01%
|
$1.6b
+17.69%
|
$2.3b
+46.29%
|
$3.2b
+38.80%
|
$4.0b
+23.17%
|
|
| Gain on sales of loans | ($440k) | $31.9m | $89.9m | $196.4m | $188.3m | $197.2m | $381.6m | — | |
| Sales and marketing | $16.9m | $25.0m | $184.3m | $532.3m | $638.3m | $576.4m | $434.8m | — | |
| General and administrative | $88.9m | $121.2m | $370.3m | $577.5m | $586.4m | $525.3m | $545.1m | $564.3m | |
| Restructuring and other | — | — | $0 | $0 | $35.9m | $6.8m | ($184k) | — | |
| Total operating expenses | $391.8m | $617.3m | $1.2b | $2.2b | $2.8b | $2.9b | $3.3b | $3.2b | |
| Operating loss | ($127.4m) |
($107.8m)
+15.42%
|
($379.2m)
-251.79%
|
($866.0m)
-128.39%
|
($1.2b)
-38.66%
|
($615.8m)
+48.72%
|
($87.3m)
+85.83%
|
$769.2m
+981.37%
|
|
| Interest income | $119.4m | $186.7m | $326.4m | $527.9m | $685.2m | $1.2b | $1.6b | — | |
| Unrealized gain (loss) on securities available for sale, net | — | $0 | $29k | ($8.0m) | ($882k) | $6.9m | $3.3m | — | |
| Gain (loss) on cash flow hedges | — | — | $0 | $0 | $751k | $656k | ($2.8m) | — | |
| Other income, net | $7.0m | ($4.4m) | ($54.1m) | $141.2m | $211.6m | $100.3m | $148.7m | $67.4m | |
| Income (loss) before income taxes | ($120.4m) | ($112.2m) | ($433.3m) | ($724.8m) | ($989.2m) | ($515.5m) | $61.5m | — | |
| Income tax expense (benefit) | $36k | $376k | ($2.3m) | ($17.4m) | ($3.9m) | $2.2m | $9.3m | $12.8m | |
| Net income (loss) | ($120.5m) |
($112.6m)
+6.52%
|
($430.9m)
-282.71%
|
($707.4m)
-64.16%
|
($985.3m)
-39.29%
|
($517.8m)
+47.45%
|
$52.2m
+110.08%
|
$382.4m
+632.81%
|
|
| Basic (in USD per share) | ($2.54) | ($2.35) | ($2.72) | ($2.51) | ($3.34) | ($1.67) | $0.16 | — | |
| Diluted (in USD per share) | ($2.54) | ($2.35) | ($2.71) | ($2.51) | ($3.34) | ($1.67) | $0.15 | — | |
| Servicing income | $5.1m | $14.8m | $24.7m | $65.8m | $87.5m | $95.5m | $120.6m | — | |
| Loss on loan purchase commitment | $73.4m | $161.5m | $246.7m | $204.1m | $140.3m | $180.4m | $242.3m | — | |
| Provision for credit losses | $78.0m | $105.1m | $65.9m | $255.3m | $331.9m | $460.6m | $616.7m | — | |
| Funding costs | $25.9m | $32.3m | $52.7m | $69.7m | $183.0m | $344.3m | $425.5m | — | |
| Processing and servicing | $32.7m | $49.8m | $73.8m | $157.8m | $257.3m | $343.2m | $457.8m | — | |
| Technology and data analytics | $76.1m | $122.4m | $256.1m | $418.6m | $615.8m | $501.9m | $589.7m | — | |
| Foreign currency translation adjustments | $0 | ($302k) | $7.0m | ($5.9m) | ($8.1m) | ($13.7m) | $6.0m | — | |
| Net other comprehensive income (loss) | $0 | ($302k) | $7.1m | ($13.9m) | ($8.3m) | ($6.1m) | $6.5m | — | |
| Comprehensive income (loss) | ($120.5m) | ($112.9m) | ($423.9m) | ($721.3m) | ($993.6m) | ($523.9m) | $58.7m | — |
Values abbreviated: b = billions, m = millions, k = thousands. Per share data in USD.