Skip to content
Screener

Affirm Holdings, Inc. AFRM Processing and servicing

Processing and servicing at other companies

Dave, Inc. logo
Dave, Inc.DAVE
$10.3M+43.6%
Dave, Inc. logo
Dave, Inc.DAVE
$10.3M+43.6%
First BanCorp logo
First BanCorpFBP
$1.55M+9.1%
First BanCorp logo
First BanCorpFBP
$1.55M+9.1%
First BanCorp logo
First BanCorpFBP
$1.55M+9.1%
Navient logo
NavientNAVI
$0—

Other financials

Income statement

See full
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

See full
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

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

Valuation

See full
Market cap$25.65B+2.9%
Enterprise value$32.51B+40.1%
P/E67.1×-411×
P/S6.5×-1.3×

Profitability

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

Returns & leverage

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

Where this comes from

Reported directly by Affirm Holdings, Inc. in its filing.

Tagged under the XBRL concept afrm:ProcessingAndServicingExpense.

The source filing: Affirm Holdings, Inc.’s 10-Q, filed May 7, 2026.

Filed
May 7, 2026, 5:04 PM EDT
Fiscal quarter
Q3 FY2026
Calendar quarter
Q1 2026
Accession
0001628280-26-032294
Line itemThree Months Ended March 31, 2026Three Months Ended March 31, 2025Nine Months Ended March 31, 2026Nine Months Ended March 31, 2025
Loss on loan purchase commitment$67,964$57,290$235,581$181,805
Provision for credit losses196,543147,252573,448460,056
Funding costs113,762107,631335,507319,539
Processing and servicing162,291118,398454,680329,504
Technology and data analytics191,619152,620544,595435,123
Sales and marketing72,85474,022250,128355,293
General and administrative145,304134,303431,468412,196
Restructuring and other—12—(184)

Item 1. Financial Statements

FAQ

What is Affirm Holdings, Inc.'s processing and servicing?
Affirm Holdings, Inc. (AFRM) reported processing and servicing of $162.29M in Q1 2026.
How has Affirm Holdings, Inc.'s processing and servicing changed year-over-year?
Affirm Holdings, Inc.'s processing and servicing increased by 37.1% year-over-year, from $118.4M to $162.29M.
What is the long-term trend for Affirm Holdings, Inc.'s processing and servicing?
Over 3 years (2022 to 2025), Affirm Holdings, Inc.'s processing and servicing has grown at a 42.6% compound annual growth rate (CAGR), from $157.81M to $457.85M.
What does processing and servicing mean?
These are the operational costs associated with processing transactions, managing loan accounts, and providing customer support. It captures the variable and fixed costs required to maintain the day-to-day functionality of the payment and lending platform.

Ask your AI about Affirm Holdings, Inc.'s processing and servicing.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude