Affirm Holdings, Inc.

AFRM

AFRMAffirm Holdings, Inc. US flag

NASDAQ Global Select

71.83

USD

-0.37

- -

24.06BMarket Cap

Income Statement (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	06/30/2025

Sales/Revenue/Turnover	264	510	870	1,349	1,588	2,323	3,224
+ Sales & Services Revenue	264	510	870	1,349	1,588	2,323	3,224
- Cost of Revenue	109	172	323	576	873	845	1,048
+ Cost of Goods & Services	109	172	323	576	873	845	1,048
Gross Profit	156	337	548	773	715	1,478	2,177
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	257	413	879	1,569	1,697	1,743	1,839
+ Selling, General & Admin	106	146	566	1,110	1,225	1,102	980
+ Research & Development	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	151	267	313	459	472	641	859
Operating Income (Loss)	-102	-75	-331	-796	-982	-265	338
- Non-Operating (Income) Loss	19	37	112	-72	7	251	277
+ Interest Expense, Net	-100	-166	53	70	183	344	425
+ Interest Expense	26	32	53	70	183	344	425
- Interest Income	126	199	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	119	203	60	-141	-176	-94	-149
Pretax Income	-120	-112	-443	-725	-989	-516	61
- Income Tax Expense (Benefit)	- -	- -	-2	-17	-4	2	9
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	-120	-113	-441	-707	-985	-518	52
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	-120	-113	-441	-707	-985	-518	52
- Minority Interest	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	-120	-113	-441	-707	-985	-518	52
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	-120	-113	-441	-707	-985	-518	52
EBIT	-102	-75	-331	-796	-982	-265	338
EBITDA	-96	-66	-311	-744	-847	-96	563
EBITDA Margin (%)	-36.42	-12.96	-35.73	-55.11	-53.36	-4.12	17.46
EBITA	-102	-75	-331	-796	-982	-265	338
Gross Margin (%)	58.87	66.2	62.9	57.28	45.01	63.62	67.51
Operating Margin (%)	-38.41	-14.81	-38.02	-59.02	-61.84	-11.4	10.48
Profit Margin (%)	-45.56	-22.1	-50.67	-52.43	-62.05	-22.29	1.62
Sales per Employee	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -
Depreciation Expense	5	9	20	53	135	169	225
Basic Weighted Avg Shares	206	206	158	282	295	310	323
Basic EPS, GAAP	-0.58	-0.55	-2.78	-2.51	-3.34	-1.67	0.16
Basic EPS from Cont Ops	-0.58	-0.55	-2.78	-2.51	-3.34	-1.67	0.16
Diluted Weighted Avg Shares	210	210	159	282	295	310	341
Diluted EPS, GAAP	-0.57	-0.54	-2.77	-2.51	-3.34	-1.67	0.15
Diluted EPS from Cont Ops	-0.57	-0.54	-2.77	-2.51	-3.34	-1.67	0.15

Balance Sheet (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	06/30/2025

Total Current Assets	1,081	1,340	3,877	5,677	6,899	8,210	9,759
+ Cash, Cash Equivalents & STI	320	267	1,483	2,851	2,067	2,145	2,226
+ Cash & Cash Equivalents	320	267	1,467	1,255	892	1,013	1,354
+ ST Investments	- -	- -	16	1,595	1,175	1,132	871
+ Accounts & Notes Receiv	715	1,001	2,023	2,490	4,415	5,732	7,059
+ Accounts Receivable, Net	43	59	92	142	199	353	426
+ Notes Receivable, Net	- -	- -	16	- -	- -	- -	- -
+ Loans Receivable, Net	669	939	1,905	2,348	4,198	5,361	6,629
+ Other Receivable, Net	3	3	10	- -	17	18	4
+ Inventories	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	45	72	371	336	418	333	474
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	68	62	990	1,297	1,256	1,310	1,396
+ Property, Plant & Equip, Net	34	48	120	222	320	450	592
+ Property, Plant & Equip	42	66	153	282	444	692	1,047
- Accumulated Depreciation	9	18	33	60	124	242	455
+ LT Investments & Receivables	669	2	11	43	43	73	40
+ LT Investments	669	2	11	43	43	73	40
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-635	12	859	1,032	893	788	764
+ Total Intangible Assets	- -	4	584	618	577	547	547
+ Goodwill	- -	1	517	540	543	533	534
+ Other Intangible Assets	- -	2	68	79	34	14	13
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-635	8	274	413	316	241	217
Total Assets	1,149	1,402	4,867	6,974	8,156	9,520	11,155
+ Payables & Accruals	20	36	108	107	93	125	180
+ Accounts Payable	11	18	58	33	29	41	83
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	9	18	50	74	64	84	97
+ ST Debt	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	- -	- -	- -	- -	- -	- -
Total Current Liabilities	20	36	108	107	93	125	180
+ LT Debt	586	917	1,982	4,144	5,451	6,614	7,853
+ LT Borrowings	586	917	1,907	4,078	5,398	6,575	7,821
+ LT Finance Leases	- -	- -	75	66	53	39	32
+ Other LT Liabilities	806	816	201	105	78	48	53
+ Accrued Liabilities	3	4	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	803	811	201	105	78	48	53
Total Noncurrent Liabilities	1,392	1,733	2,183	4,248	5,529	6,663	7,906
Total Liabilities	1,412	1,769	2,291	4,356	5,621	6,788	8,086
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	55	80	3,467	4,231	5,141	5,863	6,141
+ Common Stock	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	55	80	3,467	4,231	5,141	5,863	6,141
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	-318	-447	-898	-1,606	-2,591	-3,109	-3,057
+ Other Equity	- -	- -	7	-7	-15	-22	-15
Equity Before Minority Interest	-263	-367	2,576	2,618	2,534	2,732	3,069
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -
Total Equity	-263	-367	2,576	2,618	2,534	2,732	3,069
Total Liabilities & Equity	1,149	1,402	4,867	6,974	8,156	9,520	11,155
Shares Outstanding	243	243	269	287	297	311	325
Number of Employees	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	75	66	53	39	32
Net Debt	266	650	441	2,823	4,506	5,562	6,467
Net Debt to Equity	-100.79	-177.09	17.11	107.82	177.83	203.58	210.72
Tangible Common Equity Ratio	-22.94	-26.52	46.49	31.47	25.83	24.35	23.77
Current Ratio	54.7	36.91	35.83	53.02	74.34	65.7	54.19
Cash Conversion Cycle	- -	5.62	-11.45	2.84	26.31	28.34	22.53

Cash Flow Statement (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024	06/30/2025

+ Net Income	-120	-113	-441	-707	-985	-518	52
+ Depreciation & Amortization	5	9	20	53	135	169	225
+ Non-Cash Items	48	1	282	502	998	861	566
+ Stock-Based Compensation	34	30	293	391	452	345	321
+ Deferred Income Taxes	- -	- -	- -	- -	- -	- -	- -
+ Asset Impairment Charge	- -	- -	12	- -	1	1	- -
+ Other Non-Cash Adj	14	-29	-22	111	545	516	245
+ Chg in Non-Cash Work Cap	-21	31	-54	-10	-135	-62	-50
+ (Inc) Dec in Accts Receiv	-25	-19	-23	-63	-68	-168	-85
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	21	30	178	68	-53	74	47
+ Inc (Dec) in Other	-17	20	-209	-15	-14	31	-12
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	-88	-71	-193	-162	12	450	794
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-21	-21	-20	-112	-121	-159	-192
+ Acq of Fixed Prod Assets	-19	-21	-20	-86	-121	-159	-192
+ Acq of Intangible Assets	-2	- -	- -	-25	- -	- -	- -
+ Cash (Repurchase) of Equity	-3	-19	1,304	- -	- -	- -	-250
+ Increase in Capital Stock	- -	- -	1,305	- -	- -	- -	- -
+ Decrease in Capital Stock	-3	-19	-1	- -	- -	- -	-250
+ Net Change in LT Investment	-1,745	- -	- -	-1,530	455	151	392
+ Dec in LT Investment	147	- -	- -	311	1,537	1,137	1,216
+ Inc in LT Investment	-1,893	- -	- -	-1,841	-1,082	-986	-824
+ Net Cash From Acq & Div	- -	- -	-222	-6	-16	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	-222	-6	-16	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	1,413	-232	-779	-363	-1,972	-1,317	-1,283
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-354	-253	-1,022	-2,011	-1,653	-1,325	-1,083
+ Dividends Paid	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Debt	274	326	963	2,162	1,637	1,160	2,307
+ Cash From Debt	1,355	2,208	4,338	6,805	8,045	14,989	24,594
+ Repayments of Debt	-1,080	-1,882	-3,375	-4,643	-6,408	-13,829	-22,288
+ Other Financing Activities	290	-12	311	-125	-287	-247	-1,305
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	562	295	2,578	2,037	1,350	913	751
Effect of Foreign Exchange Rates	- -	- -	2	-5	- -	-3	-1
Net Changes in Cash	120	-30	1,363	-136	-291	38	462
EBITDA	-96	-66	-311	-744	-847	-96	563
EBITDA Margin (%)	-36.42	-12.96	-35.73	-55.11	-53.36	-4.12	17.46
Free Cash Flow	-109	-92	-213	-274	-109	291	602
Net Cash Paid for Acquisitions	- -	- -	222	6	16	- -	- -
Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	963
Free Cash Flow to Equity	- -	233	749	1,914	1,529	1,451	2,908
Free Cash Flow per Basic Share	-0.53	-0.45	-1.35	-0.97	-0.37	0.94	1.86
Price/Free Cash Flow	- -	- -	-62.04	-100.77	34.05	15.36	23.91
Cash Flow to Net Income	0.73	0.63	0.44	0.23	-0.01	-0.87	15.21
Capital Expenditures	-21	-21	-20	-112	-121	-159	-192