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Affirm Holdings, Inc. AFRM Gain (loss) on sale of loans

Gain (loss) on sale of loans at other companies

Ladder Capital logo
Ladder CapitalLADR
$152K-96.9%
Amalgamated Financial Corp. logo
Amalgamated Financial Corp.AMAL
$12K-98.6%
FB Financial logo
FB FinancialFBK
$9.53M+13.2%
SLM logo
SLMSLM
$146.31M-22.1%
Nelnet logo
NelnetNNI
-$105K-112%
NewtekOne, Inc. logo
NewtekOne, Inc.NEWT
$26.68M+106%

Other financials

Income statement

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Revenue$1.0B+32.6%
Operating income$88.4M+1,154%
Net income$102.9M+3,570%
EPS (diluted)$0.30+2,900%

Balance sheet

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Cash & equivalents$2.5B+42.5%
Total debt$9.3B+18.8%
Total equity$3.8B+31.6%
Total assets$13.1B+25.9%

Cash flow

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Operating cash flow$386.5M+83.7%
CapEx$61.4M+15.8%
Free cash flow$325.1M+107%

Valuation

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Market cap$26.28B+5.4%
Enterprise value$33.14B+42.8%
P/E68.7×-409×
P/S6.6×-1.1×

Profitability

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Operating margin-7.3%-3.2pp
Net margin9.6%+8.2pp
FCF margin19.8%-0.4pp

Returns & leverage

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Return on equity11.5%+9.9pp
Debt / equity2.5×-0.3×

FAQ

What does gain (loss) on sale of loans mean?
This captures the net realized gain or loss resulting from the sale of loan receivables or lending commitments to third-party investors. It reflects the company's ability to originate loans at a premium to their carrying value and effectively manage its balance sheet through securitization or whole-loan sales.