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Affirm Holdings, Inc. logo

Affirm Holdings, Inc. Income Statement

Revenue, expenses, and profitability over time

Affirm Holdings, Inc. generated $4.0B in trailing twelve-month revenue, up 0.3% year-over-year. Net income was $382.4M with a 9.63% net margin. Diluted EPS is $1.10, which grew 6.2% year-over-year. Based on the Q1 2026 filing.

Total Revenue (TTM)$4.0BOperating Income (TTM)-$218.8MNet Income (TTM)$382.4MEps Diluted (TTM)$1.10
Latest FilingQ1 2026
Report Date2026-05-07
Market Cap$22.2B
P/E Ratio57.95
ROE11.49%

Earnings Per Share

MetricQ2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Basic earnings per share$0.25$0.01$0.21$0.24$0.39$0.31
Diluted earnings per share$0.23$0.01$0.20$0.23$0.37$0.30
Weighted-average shares, basic322.3M324.1M322.9M330.2M334.3M337.1M
Weighted-average shares, diluted345.2M344.2M341M348.3M349.4M348.1M

Operating Expenses

MetricQ2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
General and administrative$139.4M$134.3M$132.9M$144.9M$141.2M$145.3M
Loss on loan purchase commitment$70.3M$57.3M$60.5M$71.6M$96.1M$68M
Processing and servicing$116M$118.4M$128.3M$133.8M$158.6M$162.3M
Restructuring and other$60K$12K-$1K$0$0$0
Technology and data analytics$148.2M$152.6M$154.6M$168.1M$184.9M$191.6M
Provision for credit losses$153M$147.3M$156.6M$162.8M$214.2M$196.5M
Selling and marketing$136M$74M$79.6M$78.5M$98.8M$72.9M
Total operating expenses$870.7M$791.5M$818.4M$869.7M$1B$950.3M

Income Before Tax

MetricQ2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Income before income taxes$82.9M$5.3M$71.6M$83M$133.2M$107.4M

Tax

MetricQ2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Income tax expense$2.5M$2.5M$2.3M$2.3M$3.7M$4.5M

Other Income & Expense

MetricQ2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Interest expense$107.8M$107.6M$105.9M$110M$111.7M$113.8M
Other income (expense), net$87.2M$13.7M$13.5M$19.4M$15.6M$18.9M

Net Income

MetricQ2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Net income$80.4M$2.8M$69.2M$80.7M$129.6M$102.9M

Operating Income

MetricQ2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Operating income-$4.3M-$8.4M—$63.7M$117.6M$88.4M

Other

MetricQ2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Comprehensive Income (Loss), Net of Tax, Attributable to Parent$41.9M$5.9M$98.7M$71.4M$137M$96.2M
Contractually specified servicing fees, late charges and ancillary fees$28.7M$32.1M$33.9M$39.7M$42.7M$44.6M
Net gains/(losses) on sales of loans$125.3M$75.8M$116.9M$119M$185.2M$127.2M
Interest and Dividend Income, Operating$409.4M$402.7M$419.1M$454.1M$493.6M$532.4M
Debt$107.8M$107.6M$105.9M$110M$111.7M$113.8M
Net gains (losses) deferred-$2.9M$778K-$6.3M$812K-$81K-$1.1M
Net unrealized gains (losses) on securities still held-$89K-$1.3M$6.2M-$129K-$305K$5.1M
Other income, net (Note 6)$87.2M$13.7M$13.5M$19.4M$15.6M$18.9M
Total provisions for credit losses$153M$147.3M$156.6M$162.8M$214.2M$196.5M
Revenue From Contract With Customer Excluding Assessed Tax$303M$272.5M$306.6M$320.5M$401.4M$334.5M

Revenue

MetricQ2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Total interest income$409.4M$402.7M$419.1M$454.1M$493.6M$532.4M
Total revenue$866.4M$783.1M$876.4M$933.3M$1.1B$1B