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Affirm Holdings, Inc. AFRM Q4 2025 Annual earnings

Reported August 28, 2025 · After market close

Revenue$876.4MBeat by $39.4M
EPS$0.20Beat by $0.08
Revenue estimate$837.0M
EPS estimate$0.12

Next report

Nov 5, 2026 (In 3 weeks)
Revenue estimate$1.2B
EPS estimate$0.38

Financials

Q4 2025

Income statement

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Revenue$876.4M+33.0%
Net income$69.2M+253%
EPS (diluted)$0.20+243%

Balance sheet

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Cash & equivalents$1.8B+35.6%
Total debt$31.9M-19.1%
Total equity$3.1B+12.3%
Total assets$11.2B+17.2%

Cash flow

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Operating cash flow$74.6M+8.5%
CapEx$51.1M+33.6%
Free cash flow$23.5M-22.9%

Valuation & ratios

Valuation

as of 06/30/25
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Market cap$21.18B+127%
Enterprise value$19.46B+141%
P/E405.9×—
P/S6.6×+2.5×

Profitability

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Net margin1.6%+0.8pp
FCF margin18.7%+6.1pp

Returns & leverage

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Return on equity1.8%+0.9pp
Debt / equity0×0.0×

Segments

By product

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Merchant network revenue$239.5M+32.3%
Card network revenue$67.1M+56.2%

FAQ

When did Affirm Holdings, Inc. report Q4 2025 earnings?
Affirm Holdings, Inc. (AFRM) reported Q4 2025 earnings on August 28, 2025 after market close.
What were Affirm Holdings, Inc.'s Q4 2025 revenue and EPS?
Affirm Holdings, Inc. reported revenue of $876.4M and eps of $0.20 for Q4 2025.
Did Affirm Holdings, Inc. beat estimates in Q4 2025?
Revenue beat the consensus estimate of $837.0M by $39.4M. EPS beat the consensus estimate of $0.12 by $0.08.
How did Affirm Holdings, Inc.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 33.0% from $659.2M a year earlier.
Where can I find Affirm Holdings, Inc.'s Q4 2025 SEC filings?
You can read the 8-K earnings release (0001820953-25-000078) and the 10-K periodic report (0001820953-25-000080) directly on SEC EDGAR. The filing index links above go to sec.gov.