Security
Affirm Holdings, Inc. Class A Common Stock · AFRM
AFRMNASDAQCommon stockCurrentCIK 1820953Updated Oct 26, 2026
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SEC disclosures
Affirm Holdings, Inc. files 8-K: Material Event ↗
Recent filings
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Financials
FY 2026 · USDSource
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balance sheet · annual statements
| Line item | Q3 2026 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | FY 2026 | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||||||
| AssetsUSD | 13,141,580,000Source | 10,436,187,000Source | 9,201,426,000Source | 12,956,899,000Source | 10,481,077,000Source | 9,064,989,000Source | 11,478,567,000Source | 10,139,159,000Source | 15,790,148,000Source | 11,154,929,000Source | 9,519,619,000Source | 8,155,615,000Source |
| Property, Plant and Equipment, NetUSD | 668,292,000Source | 543,327,000Source | 401,535,000Source | 639,891,000Source | 506,334,000Source | 369,854,000Source | 613,938,000Source | 473,019,000Source | 685,834,000Source | 572,637,000Source | 427,686,000Source | 290,135,000Source |
| GoodwillUSD | 529,284,000Source | 522,346,000Source | 535,818,000Source | 533,441,000Source | 521,699,000Source | 541,156,000Source | 529,910,000Source | 536,745,000Source | 524,452,000Source | 534,156,000Source | 533,439,000Source | 542,571,000Source |
| Intangible Assets, Net (Excluding Goodwill)USD | 27,436,000Source | 12,416,000Source | 15,288,000Source | 12,619,000Source | 12,193,000Source | 17,407,000Source | 12,685,000Source | 13,459,000Source | 26,416,000Source | 12,935,000Source | 13,502,000Source | 34,434,000Source |
| Current assets: | ||||||||||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 1,723,413,000Source | 1,351,148,000Source | 1,272,760,000Source | 1,527,880,000Source | 1,200,381,000Source | 1,036,719,000Source | 1,428,848,000Source | 1,046,160,000Source | 1,630,038,000Source | 1,354,455,000Source | 1,013,106,000Source | 892,027,000Source |
| Accounts Receivable | —Source | —Source | —Source | —Source | —Source | —Source | —Source | —Source | —Source | —Source | —Source | —Source |
| Operating Lease, Right-of-Use AssetUSD | 23,532,000Source | 21,428,000Source | 24,035,000Source | 25,904,000Source | 17,472,000Source | 25,049,000Source | 16,754,000Source | 19,699,000Source | 22,978,000Source | 19,124,000Source | 21,863,000Source | 30,171,000Source |
| LIABILITIES AND EQUITY | ||||||||||||
| LiabilitiesUSD | 9,358,170,000Source | 7,561,272,000Source | 6,577,966,000Source | 9,410,038,000Source | 7,695,537,000Source | 6,430,105,000Source | 8,179,682,000Source | 7,303,587,000Source | 10,306,324,000Source | 8,085,919,000Source | 6,787,630,000Source | 5,621,432,000Source |
| Stockholders’ equity: | ||||||||||||
| Additional Paid in CapitalUSD | 6,550,639,000Source | 6,045,479,000Source | 5,704,626,000Source | 6,410,335,000Source | 5,961,956,000Source | 5,571,955,000Source | 6,299,395,000Source | 6,053,917,000Source | 6,647,214,000Source | 6,140,893,000Source | 5,862,555,000Source | 5,140,850,000Source |
| Retained Earnings (Accumulated Deficit)USD | -2,743,638,000Source | -3,126,062,000Source | -3,063,868,000Source | -2,846,538,000Source | -3,128,866,000Source | -2,929,932,000Source | -2,976,124,000Source | -3,209,226,000Source | -1,127,025,000Source | -3,056,818,000Source | -3,109,004,000Source | -2,591,247,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -23,594,000Source | -44,504,000Source | -17,301,000Source | -16,939,000Source | -47,553,000Source | -7,142,000Source | -24,389,000Source | -9,122,000Source | -36,368,000Source | -15,069,000Source | -21,565,000Source | -15,423,000Source |
| Stockholders' Equity Attributable to ParentUSD | 3,783,410,000Source | 2,874,916,000Source | 2,623,460,000Source | 3,546,861,000Source | 2,785,540,000Source | 2,634,884,000Source | 3,298,885,000Source | 2,835,572,000Source | 5,483,824,000Source | 3,069,009,000Source | 2,731,989,000Source | 2,534,183,000Source |
| Liabilities and EquityUSD | 13,141,580,000Source | 10,436,187,000Source | 9,201,426,000Source | 12,956,899,000Source | 10,481,077,000Source | 9,064,989,000Source | 11,478,567,000Source | 10,139,159,000Source | 15,790,148,000Source | 11,154,929,000Source | 9,519,619,000Source | 8,155,615,000Source |
| Additional Financial Items | ||||||||||||
| Long-term DebtUSD | 8,873,911,000Source | 7,145,646,000Source | — | 9,009,240,000Source | 7,306,741,000Source | — | 7,736,393,000Source | — | 9,794,058,000Source | 7,609,663,000Source | 1,836,909,000Source | — |
cash flow · annual statements
| Line item | Q4 2026 | Q4 2025 | Q3 2026 | Q3 2025 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2026 | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Depreciation, Depletion and AmortizationUSD | — | — | — | — | — | — | 65,329,000Source | 46,720,000Source | 303,333,000Source | 225,076,000Source | 169,044,000Source | 134,634,000Source |
| Share-based Payment Arrangement, Noncash ExpenseUSD | — | — | — | — | — | — | 85,853,000Source | 94,233,000Source | 304,671,000Source | 321,433,000Source | 344,511,000Source | 451,709,000Source |
| Changes in operating assets and liabilities: | ||||||||||||
| Increase (Decrease) in Accounts ReceivableUSD | — | — | — | — | — | — | -138,862,000Source | -41,117,000Source | -132,603,000Source | 84,952,000Source | 167,757,000Source | 67,690,000Source |
| Increase (Decrease) in Accounts PayableUSD | — | — | — | — | — | — | -24,801,000Source | 16,543,000Source | 1,827,000Source | 41,801,000Source | 12,417,000Source | -5,038,000Source |
| Deferred Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | -1,455,217,000Source | 7,113,000Source | 396,000Source | -5,067,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | — | — | — | — | — | — | 374,572,000Source | 196,867,000Source | 1,230,974,000Source | 793,909,000Source | 450,138,000Source | 12,181,000Source |
| Cash flows from investing activities: | ||||||||||||
| Payments to Acquire Businesses, Net of Cash AcquiredUSD | — | — | — | — | — | — | — | — | — | 0Source | 0Source | 16,051,000Source |
| Net Cash Provided by (Used in) Investing ActivitiesUSD | — | — | — | — | — | — | -139,611,000Source | -574,999,000Source | -2,553,427,000Source | -1,083,064,000Source | -1,325,149,000Source | -1,653,070,000Source |
| Payments for (Proceeds from) Other Investing ActivitiesUSD | — | — | — | — | — | — | — | -15,197,000Source | — | — | 34,005,000Source | -3,706,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | — | — | — | — | — | — | 54,365,000Source | 44,152,000Source | 238,346,000Source | 192,189,000Source | 159,296,000Source | 120,775,000Source |
| Cash flows from financing activities: | ||||||||||||
| Payment, Tax Withholding, Share-based Payment ArrangementUSD | — | — | — | — | — | — | — | 63,208,000Source | — | 303,811,000Source | 189,169,000Source | 73,845,000Source |
| Payments for Repurchase of Common StockUSD | — | — | — | — | — | — | — | — | 0Source | 250,000,000Source | 0Source | 109,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | 110,086,000Source | 465,625,000Source | 2,009,688,000Source | 751,425,000Source | 913,149,000Source | 1,349,945,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | — | — | — | — | — | — | 341,187,000Source | 89,223,000Source | 676,620,000Source | 461,024,000Source | 35,455,000Source | -290,863,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | — | — | 2,474,305,000Source | 1,735,959,000Source | 2,094,572,000Source | 1,737,157,000Source | 2,097,610,000Source | 1,384,622,000Source | 2,433,043,000Source | 1,756,423,000Source | 1,295,399,000Source | 1,259,944,000Source |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | — | — | — | — | — | — | 103,252,000Source | 99,506,000Source | 426,175,000Source | 404,377,000Source | 318,235,000Source | 163,191,000Source |
| Income Taxes Paid, NetUSD | — | — | — | — | — | — | — | — | 6,618,000Source | — | — | — |
| Effect of Exchange Rate on Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | — | — | — | — | — | — | -3,861,000Source | 1,730,000Source | -10,615,000Source | -1,245,000Source | -2,683,000Source | 81,000Source |
| Additional Financial Items | ||||||||||||
| Share-based Payment Arrangement, ExpenseUSD | — | — | 73,837,000Source | 75,607,000Source | 77,800,000Source | 86,098,000Source | 85,853,000Source | 94,233,000Source | 304,671,000Source | 321,433,000Source | 344,511,000Source | 451,709,000Source |
| Amortization of Debt Issuance CostsUSD | — | — | — | — | — | — | 6,828,000Source | 6,083,000Source | 28,232,000Source | 30,389,000Source | 24,546,000Source | 20,535,000Source |
| Amortization of Intangible AssetsUSD | — | — | 0Source | 0Source | 100,000Source | 600,000Source | 100,000Source | 600,000Source | 200,000Source | 1,300,000Source | 20,800,000Source | 52,500,000Source |
| DepreciationUSD | — | — | 74,900,000Source | 59,400,000Source | 75,500,000Source | 54,300,000Source | 65,300,000Source | 46,100,000Source | 302,000,000Source | 223,700,000Source | 148,200,000Source | 82,100,000Source |
| Equity Securities without Readily Determinable Fair Value, Impairment Loss, Annual AmountUSD | — | — | 0Source | 0Source | 0Source | 0Source | 0Source | 3,000,000Source | 0Source | 4,600,000Source | 14,100,000Source | — |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | — | — | — | — | — | — | — | — | — | — | — | 331,860,000Source |
| Gain (Loss) on Sales of Loans, NetUSD | — | — | 127,200,000Source | 75,838,000Source | 185,231,000Source | 125,287,000Source | 119,049,000Source | 63,613,000Source | 596,553,000Source | 381,622,000Source | 197,153,000Source | 188,341,000Source |
| Gain (Loss) on Extinguishment of DebtUSD | — | — | — | — | — | — | 1,495,000Source | 19,624,000Source | 1,537,000Source | 82,418,000Source | 12,638,000Source | 89,841,000Source |
| General and Administrative ExpenseUSD | — | — | 145,304,000Source | 134,303,000Source | 141,223,000Source | 139,412,000Source | 144,941,000Source | 138,482,000Source | 578,312,000Source | 545,053,000Source | 525,291,000Source | 586,398,000Source |
| GoodwillUSD | — | — | 529,284,000Source | 522,346,000Source | 533,441,000Source | 521,699,000Source | 529,910,000Source | 536,745,000Source | 524,452,000Source | 534,156,000Source | 533,439,000Source | 542,571,000Source |
| Goodwill, Impairment LossUSD | — | — | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | — | 0Source |
| Impairment of Intangible Assets (Excluding Goodwill)USD | — | — | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source |
| Income Tax Expense (Benefit)USD | — | — | 4,476,000Source | 2,541,000Source | 3,652,000Source | 2,499,000Source | 2,326,000Source | 1,902,000Source | -1,437,067,000Source | 9,279,000Source | 2,230,000Source | -3,900,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 102,900,000Source | 2,804,000Source | 129,586,000Source | 80,360,000Source | 80,694,000Source | -100,222,000Source | 1,929,793,000Source | 52,186,000Source | -517,757,000Source | -985,345,000Source |
| Operating Lease, ExpenseUSD | — | — | 3,216,000Source | 2,915,000Source | 3,230,000Source | 2,865,000Source | 3,108,000Source | 2,853,000Source | 10,431,000Source | 11,949,000Source | 11,549,000Source | 18,954,000Source |
| Operating Lease, Impairment LossUSD | — | — | — | 0Source | — | 0Source | — | 0Source | 0Source | 0Source | 752,000Source | 1,244,000Source |
| Other Nonoperating Income (Expense)USD | — | — | 18,948,000Source | 13,738,000Source | 15,612,000Source | 87,181,000Source | 19,358,000Source | 34,303,000Source | 75,750,000Source | 148,737,000Source | 100,320,000Source | 211,617,000Source |
| Financing Receivable, Credit Loss, Expense (Reversal)USD | — | — | 196,543,000Source | 147,252,000Source | 214,153,000Source | 152,980,000Source | 162,752,000Source | 159,824,000Source | 796,650,000Source | 616,683,000Source | 460,628,000Source | — |
| Share-based Payment Arrangement, Expensed and Capitalized, AmountUSD | — | — | 115,485,000Source | 119,976,000Source | 124,436,000Source | 130,806,000Source | 138,738,000Source | 143,711,000Source | 484,513,000Source | 499,894,000Source | 471,021,000Source | 531,817,000Source |
| Debt and Equity Securities, Realized Gain (Loss) | — | — | — | — | — | —Source | — | — | — | — | — | — |
| Debt Securities, Available-for-sale, Realized Gain (Loss) | — | — | —Source | — | —Source | —Source | —Source | —Source | — | — | — | — |
income statement · annual statements
| Line item | Q4 2026 | Q4 2025 | Q3 2026 | Q3 2025 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2026 | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total RevenueUSD | — | — | 1,038,765,000Source | 783,135,000Source | 1,123,019,000Source | 866,381,000Source | 933,337,000Source | 698,479,000Source | 4,261,082,000Source | 3,224,412,000Source | 2,322,999,000Source | 1,587,985,000Source |
| Operating Income (Loss)USD | — | — | 88,429,000Source | -8,393,000Source | 117,626,000Source | -4,322,000Source | 63,661,000Source | -132,623,000Source | 416,977,000Source | -87,273,000Source | -615,847,000Source | -1,200,862,000Source |
| Other Nonoperating Income (Expense)USD | — | — | 18,948,000Source | 13,738,000Source | 15,612,000Source | 87,181,000Source | 19,358,000Source | 34,303,000Source | 75,750,000Source | 148,737,000Source | 100,320,000Source | 211,617,000Source |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | 107,376,000Source | 5,345,000Source | 133,238,000Source | 82,859,000Source | 83,019,000Source | -98,320,000Source | 492,727,000Source | 61,464,000Source | -515,527,000Source | -989,245,000Source |
| Income Tax Expense (Benefit)USD | — | — | 4,476,000Source | 2,541,000Source | 3,652,000Source | 2,499,000Source | 2,326,000Source | 1,902,000Source | -1,437,067,000Source | 9,279,000Source | 2,230,000Source | -3,900,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 102,900,000Source | 2,804,000Source | 129,586,000Source | 80,360,000Source | 80,694,000Source | -100,222,000Source | 1,929,793,000Source | 52,186,000Source | -517,757,000Source | -985,345,000Source |
| Earnings Per Share, BasicUSD per share | — | — | 0.31Source | 0.01Source | 0.39Source | 0.25Source | 0.24Source | -0.31Source | 5.76Source | 0.16Source | -1.67Source | -3.34Source |
| Earnings Per Share, DilutedUSD per share | — | — | 0.3Source | 0.01Source | 0.37Source | 0.23Source | 0.23Source | -0.31Source | 5.53Source | 0.15Source | -1.67Source | -3.34Source |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | 337,142,686Source | 324,053,967Source | 334,270,750Source | 322,282,334Source | 330,238,205Source | 318,234,555Source | 335,155,421Source | 322,851,873Source | 309,857,129Source | 295,343,466Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | 348,096,861Source | 344,224,332Source | 349,365,762Source | 345,196,568Source | 348,278,403Source | 318,234,555Source | 348,846,647Source | 341,023,566Source | 309,857,129Source | 295,343,466Source |
| Additional Financial Items | ||||||||||||
| Amortization of Intangible AssetsUSD | — | — | 0Source | 0Source | 100,000Source | 600,000Source | 100,000Source | 600,000Source | 200,000Source | 1,300,000Source | 20,800,000Source | 52,500,000Source |
| Costs and ExpensesUSD | — | — | 950,337,000Source | 791,527,000Source | 1,005,393,000Source | 870,703,000Source | 869,676,000Source | 831,102,000Source | 3,844,105,000Source | 3,311,685,000Source | 2,938,846,000Source | 2,788,847,000Source |
| Current Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 18,150,000Source | 2,166,000Source | 1,834,000Source | 1,167,000Source |
| Equity Securities without Readily Determinable Fair Value, Impairment Loss, Annual AmountUSD | — | — | 0Source | 0Source | 0Source | 0Source | 0Source | 3,000,000Source | 0Source | 4,600,000Source | 14,100,000Source | — |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversalUSD | — | — | — | — | — | — | — | — | — | — | — | 331,860,000Source |
| General and Administrative ExpenseUSD | — | — | 145,304,000Source | 134,303,000Source | 141,223,000Source | 139,412,000Source | 144,941,000Source | 138,482,000Source | 578,312,000Source | 545,053,000Source | 525,291,000Source | 586,398,000Source |
| Goodwill, Impairment LossUSD | — | — | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | — | 0Source |
| Income (Loss) from Continuing Operations before Income Taxes, DomesticUSD | — | — | — | — | — | — | — | — | 478,545,000Source | 42,949,000Source | -518,093,000Source | -974,074,000Source |
| Interest Expense, DebtUSD | — | — | 113,762,000Source | 107,631,000Source | 111,717,000Source | 107,762,000Source | 110,027,000Source | 104,145,000Source | 454,016,000Source | 425,451,000Source | 344,253,000Source | 183,013,000Source |
| Operating Lease, ExpenseUSD | — | — | 3,216,000Source | 2,915,000Source | 3,230,000Source | 2,865,000Source | 3,108,000Source | 2,853,000Source | 10,431,000Source | 11,949,000Source | 11,549,000Source | 18,954,000Source |
| Selling and Marketing ExpenseUSD | — | — | 72,854,000Source | 74,022,000Source | 98,782,000Source | 136,038,000Source | 78,491,000Source | 145,233,000Source | 342,531,000Source | 434,847,000Source | 576,405,000Source | 638,280,000Source |
| Share-based Payment Arrangement, Expensed and Capitalized, AmountUSD | — | — | 115,485,000Source | 119,976,000Source | 124,436,000Source | 130,806,000Source | 138,738,000Source | 143,711,000Source | 484,513,000Source | 499,894,000Source | 471,021,000Source | 531,817,000Source |
| Debt and Equity Securities, Realized Gain (Loss) | — | — | — | — | — | —Source | — | — | — | — | — | — |
Filing attachments
afrm-123125ex41xproposedre.htm · 10-Q · 2026-02-05
Exhibit 4.1 Certain identified information in this document has been excluded because it is both (i) not material and (ii) is the type of information that the Company customarily and actually treats as private or confidential. This document has been marked with “[***]” to indicate where omissions have been made. SECOND AMENDMENT TO THE AMENDED AND RESTATED WARRANT TO PURCHASE CLASS A COMMON STOCK This Second Amendment to the Amended and Restated Warrant to Purchase Class A Common Stock (this…
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