Affirm Holdings, Inc.

AFRM 10-Q · Q3 2026
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AFRM Q3 2026 request

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Income Statement

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Income Statement
Metric Q3 2026 Q3 2025 YoY
Revenue 334,494 272,545 +22.7%
Show Product Lines breakouts
Card network revenue 66,467 58,572 +13.5%
Merchant network revenue 268,027 213,973 +25.3%
Show Related Party Transactions By Related Party breakouts
Affiliated Entity 29.1 30.3 -4.0%
Interest And Dividend Income Operating 532,449 402,701 +32.2%
Gain Loss On Sales Of Loans Net 127,200 75,838 +67.7%
Contractually Specified Servicing Fees Late Fees And Ancillary Fees Earned In Exchange For Servicing Financial Assets 44,622 32,050 +39.2%
Revenue 1,038,765 783,135 +32.6%
Loss On Financing Receivable Commitments To Purchase 67,964 57,290 +18.6%
Provision For Loan Losses Expensed 196,543 147,252 +33.5%
Interest Expense Debt 113,762 107,631 +5.7%
Show Long-Term Debt Type breakouts
Convertible Debt 2,660 2,676 -0.6%
Processing And Servicing Expense 162,291 118,398 +37.1%
Technology And Data Analytics Expense 191,619 152,620 +25.6%
Sales & Marketing 72,854 74,022 -1.6%
General & Administrative 145,304 134,303 +8.2%
Total Costs & Expenses 950,337 791,527 +20.1%
Operating Income 88,429 -8,393 +1153.6%
Other Non-Operating Income (Expense) 18,948 13,738 +37.9%
Income Before Taxes 107,376 5,345 +1908.9%
Income Tax Expense (Benefit) 4,476 2,541 +76.2%
Net Income 102,900 2,804 +3569.8%
Show Equity Components breakouts
Retained Earnings 102,900 2,804 +3569.8%
Other Comprehensive Income Foreign Currency Transaction And Translation Adjustment Net Of Tax Portion Attributable To Parent -10,665 3,550 -400.4%
Show Equity Components breakouts
Accumulated Other Comprehensive Income -10,665 3,550 -400.4%
Other Comprehensive Income Loss Cash Flow Hedge Gain Loss Before Reclassification After Tax -1,090 778 -240.1%
Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax 5,100 -1,279 +498.7%
Other Comprehensive Income -6,655 3,049 -318.3%
Comprehensive Income 96,245 5,853 +1544.4%
EPS (Basic) 0.31 0.01 +3000.0%
Show Statement Class Of Stock breakouts
Common Class A 0.31 0.01 +3000.0%
Common Class B 0.31 0.01 +3000.0%
EPS (Diluted) 0.3 0.01 +2900.0%
Show Statement Class Of Stock breakouts
Common Class A 0.3 0.01 +2900.0%
Common Class B 0.3 0.01 +2900.0%
Wtd Avg Shares (Basic) 337,142,686 324,053,967 +4.0%
Show Statement Class Of Stock breakouts
Common Class A 296,470,028 283,262,753 +4.7%
Common Class B 40,672,658 40,791,214 -0.3%
Wtd Avg Shares (Diluted) 348,096,861 344,224,332 +1.1%
Show Statement Class Of Stock breakouts
Common Class A 307,424,203 303,433,118 +1.3%
Common Class B 40,672,658 40,791,214 -0.3%
Interest Expense (Q) — — —
Show Long-Term Debt Type breakouts
Convertible Debt 1,706 1,706 0.0%
Net Income Loss Available To Common Stockholders Basic (Q) — — —
Show Statement Class Of Stock breakouts
Common Class A 90,486 2,451 +3591.8%
Common Class B 12,414 353 +3416.7%

Balance Sheet

Balance Sheet
Metric Q3 2026 Q3 2025 YoY
Current Assets
Cash & Cash Equivalents 1,723,413 1,351,148 +27.6%
Show Cash And Cash Equivalents breakouts
Agency Bonds, Corporate Bonds, Commercial Paper, and US Government Bonds 20.3 — —
Commercial Paper 18,839 — —
Corporate Bond Securities 1,454 — —
Money Market Funds 97,312 — —
Non-Current Assets
Property, Plant & Equipment 668,292 — —
Goodwill 529,284 — —
Total Assets 13,141,580 — —
Show Consolidated Entities breakouts
Variable Interest Entity Not Primary Beneficiary · Residual interests in structured transactions 5,837 — —
Variable Interest Entity Not Primary Beneficiary · Risk sharing assets 32,286 — —
Variable Interest Entity Not Primary Beneficiary · Securitizations 56,482 — —
Variable Interest Entity Primary Beneficiary 8,261,166 — —
Variable Interest Entity Primary Beneficiary · Securitizations 5,767,023 — —
Variable Interest Entity Primary Beneficiary · Warehouse credit facilities 2,494,143 — —
Operating Lease Right-of-Use Assets 23,532 21,428 +9.8%
Intangible Assets (Q) — — —
Show Finite Lived Intangible Assets By Major Class breakouts
Developed Technology Rights 30 — —
Merchant relationships 15,000 — —
Other Assets
Restricted Cash 750,892 384,811 +95.1%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary 372,392 134,459 +177.0%
Other Investments 757,597 780,170 -2.9%
Notes Receivable Gross 8,572,972 6,630,446 +29.3%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary 8,341,198 6,426,888 +29.8%
Financing Receivable Allowance For Credit Losses -512,314 -374,987 -36.6%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary -458,139 -327,258 -40.0%
Notes Receivable Net 8,060,659 6,255,459 +28.9%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary 7,883,059 6,099,629 +29.2%
Accounts Receivable Net 230,703 220,279 +4.7%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary 3,270 2,988 +9.4%
Intangible Assets Net Excluding Goodwill 27,436 12,416 +121.0%
Commercial Agreement Asset Net 41,377 65,178 -36.5%
Other Assets 351,927 301,052 +16.9%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary 2,446 3,808 -35.8%
Assets Net (Q) — — —
Show Consolidated Entities breakouts
Variable Interest Entity Not Primary Beneficiary 94,605 — —
Variable Interest Entity Primary Beneficiary 491,776 — —
Variable Interest Entity Primary Beneficiary · Securitizations 235,611 — —
Variable Interest Entity Primary Beneficiary · Warehouse credit facilities 256,165 — —
Non-Current Liabilities
Accounts Payable Current And Noncurrent 59,590 41,057 +45.1%
Interest Payable Current And Noncurrent 28,456 23,944 +18.8%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary 26,429 21,847 +21.0%
Total Liabilities 9,358,170 — —
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary 7,769,390 — —
Variable Interest Entity Primary Beneficiary · Notes Issued By Securitization Trusts 189.9 — —
Variable Interest Entity Primary Beneficiary · Notes Issued By Securitization Trusts 5.3 — —
Variable Interest Entity Primary Beneficiary · Securitizations 5,531,412 — —
Variable Interest Entity Primary Beneficiary · Warehouse credit facilities 2,237,978 — —
Long-Term Debt 8,873,911 — —
Show Debt Instrument breakouts
2026 Notes · Convertible Debt 220,988 — —
2029 Notes · Convertible Debt 907,629 — —
Funding Debt · International warehouse facilities 547,987 — —
Funding Debt · Sales and repurchase agreements 8,200 — —
Funding Debt · US warehouse facilities 1,671,663 — —
Funding Debt · Variable funding notes 189,855 — —
Notes Issued By Securitization Trusts · Notes Payable Other Payables 5,327,589 — —
Show Long-Term Debt Type breakouts
Secured Debt 7,745,294 — —
Unsecured Debt 1,128,617 — —
Other Liabilities
Third Party Loan Owner Payable 178,275 176,996 +0.7%
Accrued Liabilities And Other Liabilities 217,938 173,629 +25.5%
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary 5,451 4,300 +26.8%
Convertible Debt 1,128,617 1,152,019 -2.0%
Secured Debt (Q) — — —
Show Debt Instrument breakouts
Notes Issued By Securitization Trusts 5,327,589 — —
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary 5,327,589 4,084,934 +30.4%
Line Of Credit 2,417,705 — —
Show Consolidated Entities breakouts
Variable Interest Entity Primary Beneficiary 2,409,921 — —
Stockholders' Equity
Common Stock (Q) — — —
Show Statement Class Of Stock breakouts
Common Class A 2 2 0.0%
Common Class B 1 1 0.0%
Additional Paid-In Capital 6,550,639 6,045,479 +8.4%
Retained Earnings -2,743,638 -3,126,062 +12.2%
Accumulated Other Comprehensive Income -23,594 -44,504 +47.0%
Total Stockholders' Equity 3,783,410 2,874,916 +31.6%
Show Equity Components breakouts
Accumulated Gain Loss Net Cash Flow Hedge Parent 3,247 -1,453 +323.5%
Accumulated Other Comprehensive Income -23,594 -44,504 +47.0%
Additional Paid In Capital 6,550,639 6,045,479 +8.4%
Common Stock 3 3 0.0%
Retained Earnings -2,743,638 -3,126,062 +12.2%
Total Liabilities & Equity 13,141,580 10,436,187 +25.9%

Cash Flow Statement

Cash Flow Statement
Metric YTD Q3 2026 YTD Q3 2025 YoY
Operating Activities
Accretion Amortization Of Discounts And Premiums Financing Receivables -225,466 -171,827 -31.2%
Gains Losses On Extinguishment Of Debt -1,537 -82,418 +98.1%
Show Debt Instrument breakouts
2026 Notes · Convertible Debt -1.5 -82.4 +98.2%
Gain Loss On Changes In Fair Value Of Assets And Liabilities 881 5,456 -83.9%
Commercial Agreement Asset Amortization Expense 15,833 39,424 -59.8%
Show Commercial Agreement Asset Type [Axis] breakouts
Commercial Agreement - Shopify 8.4 23.9 -64.9%
Amortization of Financing Costs 20,804 23,298 -10.7%
Show Debt Instrument breakouts
2026 Notes · Convertible Debt 403 1,575 -74.4%
2029 Notes · Convertible Debt 2,504 932 +168.7%
Show Long-Term Debt Type breakouts
Convertible Debt 2,907 2,507 +16.0%
Accrued Interest On Debt Securities Available For Sale -26,070 -34,182 +23.7%
Increase Decrease In Commercial Agreement Assets 142,681 230,102 -38.0%
Stock-Based Compensation 237,490 255,938 -7.2%
Depreciation & Amortization 215,985 161,081 +34.1%
Other Non-Cash Items -32,090 9,980 -421.5%
Payments For Origination And Purchases Of Loans Held For Sale -2,089,516 -3,051,742 +31.5%
Proceeds From Sale Of Loans Held For Sale 2,088,537 3,051,803 -31.6%
Change in Accounts Receivable 185,470 123,897 +49.7%
Increase Decrease In Other Operating Assets -35,180 -17,992 -95.5%
Change in Accounts Payable -23,230 39 -59664.1%
Increase Decrease In Third Party Loan Owner Payable -33,425 17,353 -292.6%
Increase Decrease In Interest Payable Net 4,926 -383 +1386.2%
Increase Decrease In Accrued Liabilities And Other Operating Liabilities 33,570 -18,813 +278.4%
Net Cash from Operations 934,811 719,272 +30.0%
Investing Activities
Payments To Acquire Finance Receivables -33,397,975 -22,727,969 -46.9%
Proceeds From Sale Of Finance Receivables 14,103,336 8,122,806 +73.6%
Proceeds From Collection Of Finance Receivables 17,925,622 13,649,667 +31.3%
Capital Expenditures -171,474 -141,069 -21.6%
Purchases of Investments -544,887 -553,595 +1.6%
Proceeds From Sale And Maturity Of Available For Sale Securities 730,191 984,387 -25.8%
Proceeds From Other Investing Activities 299 101,224 -99.7%
Payment For Other Investing Activity -279 -64,000 +99.6%
Net Cash from Investing -1,355,168 -628,550 -115.6%
Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount 141,169 138,555 +1.9%
Securities Retained Under Unconsolidated Securitization Transactions 44,608 41,940 +6.4%
Right Of Use Asset Obtained In Exchange For Operating Lease Liability 11,513 7,418 +55.2%
Financing Activities
Proceeds From Long Term Lines Of Credit 27,331,029 14,023,995 +94.9%
Proceeds From Issuance Of Secured Debt 2,850,000 1,750,000 +62.9%
Repayments Of Long Term Lines Of Credit -26,521,828 -13,932,542 -90.4%
Repayments Of Secured Debt -2,350,000 -900,000 -161.1%
Debt Issuance Costs -30,874 -42,759 +27.8%
Payments Of Debt Extinguishment Costs -25,758 -1,012,856 +97.5%
Proceeds From Stock Options And Warrants Exercised 142,680 49,915 +185.8%
Cost Of Issuance Of Treasury Stock -251,210 -241,586 -4.0%
Net Cash from Financing 1,144,040 364,166 +214.2%
Supplemental
Interest Paid 314,227 302,791 +3.8%
Operating Lease Payments 12,784 12,501 +2.3%
Income Taxes Paid 3,785 2,432 +55.6%
Other Cash Flow
Effect Of Exchange Rate On Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents -5,801 -14,328 +59.5%
Net Change in Cash 717,882 440,560 +62.9%
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents 2,474,305 1,735,959 +42.5%

Values in thousands USD. Source: SEC EDGAR 10-Q filing.

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