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Affirm Holdings, Inc. AFRM Technology and data analytics

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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$25.2B+7.1%
Enterprise value$32.06B+47.0%
P/E65.9×-385×
P/S6.4×-1.0×

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×

Where this comes from

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

Tagged under the XBRL concept afrm:TechnologyAndDataAnalyticsExpense.

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
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 other12(184)
Total operating expenses$950,337$791,527$2,825,406$2,493,332

Item 1. Financial Statements

FAQ

What is Affirm Holdings, Inc.'s technology and data analytics?
Affirm Holdings, Inc. (AFRM) reported technology and data analytics of $191.62M in Q1 2026.
How has Affirm Holdings, Inc.'s technology and data analytics changed year-over-year?
Affirm Holdings, Inc.'s technology and data analytics increased by 25.6% year-over-year, from $152.62M to $191.62M.
What is the long-term trend for Affirm Holdings, Inc.'s technology and data analytics?
Over 3 years (2022 to 2025), Affirm Holdings, Inc.'s technology and data analytics has grown at a 12.1% compound annual growth rate (CAGR), from $418.64M to $589.72M.
What does technology and data analytics mean?
This covers investments in software development, data infrastructure, cloud computing, and engineering talent. It reflects the company's commitment to innovation, platform security, and the refinement of proprietary credit-scoring algorithms.

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