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Affirm Holdings, Inc. AFRM Gain (Loss) on Sales of Loans, Net

Gain (Loss) on Sales of Loans, Net at other companies

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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$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×

Where this comes from

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

Tagged under the XBRL concept us-gaap:GainLossOnSalesOfLoansNet.

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
Card network revenue66,46758,572208,832164,194
Total network revenue334,494272,5451,056,385807,401
Interest income532,449402,7011,480,1981,189,132
Gain on sales of loans127,20075,838431,480264,739
Servicing income44,62232,050127,05886,723
Total revenue, net$1,038,765$783,135$3,095,122$2,347,995
Operating expenses
Loss on loan purchase commitment$67,964$57,290$235,581$181,805

Item 1. Financial Statements

FAQ

What is Affirm Holdings, Inc.'s gain (loss) on sales of loans, net?
Affirm Holdings, Inc. (AFRM) reported gain (loss) on sales of loans, net of $127.2M in Q1 2026.
How has Affirm Holdings, Inc.'s gain (loss) on sales of loans, net changed year-over-year?
Affirm Holdings, Inc.'s gain (loss) on sales of loans, net increased by 67.7% year-over-year, from $75.84M to $127.2M.
What is the long-term trend for Affirm Holdings, Inc.'s gain (loss) on sales of loans, net?
Over 3 years (2022 to 2025), Affirm Holdings, Inc.'s gain (loss) on sales of loans, net has grown at a 24.8% compound annual growth rate (CAGR), from $196.44M to $381.62M.
What does gain (loss) on sales of loans, net mean?
This represents the net profit or loss realized from selling loans to third-party investors or securitization vehicles. It is a key indicator of the company's ability to generate liquidity and manage capital by offloading credit risk.

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