Affirm Holdings, Inc.

AFRM

AFRMAffirm Holdings, Inc. US flag

NASDAQ Global Select

71.57

USD

+3.48

- -

23.97BMarket Cap

Income Statement (USD)

Income Statement API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 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	06/30/2026

Sales/Revenue/Turnover	264	510	870	1,349	1,588	2,323	3,224	4,261
+ Sales & Services Revenue	264	510	870	1,349	1,588	2,323	3,224	4,261
- Cost of Revenue	109	172	323	576	873	845	1,048	1,361
+ Cost of Goods & Services	109	172	323	576	873	845	1,048	1,361
Gross Profit	156	337	548	773	715	1,478	2,177	2,900
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	257	413	879	1,569	1,697	1,743	1,839	2,029
+ Selling, General & Admin	106	146	566	1,110	1,225	1,102	980	921
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	151	267	313	459	472	641	859	1,109
Operating Income (Loss)	-102	-75	-331	-796	-982	-265	338	871
- Non-Operating (Income) Loss	19	37	112	-72	7	251	277	378
+ Interest Expense, Net	-100	-166	53	70	183	344	425	454
+ Interest Expense	26	32	53	70	183	344	425	454
- Interest Income	126	199	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	119	203	60	-141	-176	-94	-149	-76
Pretax Income	-120	-112	-443	-725	-989	-516	61	493
- Income Tax Expense (Benefit)	- -	- -	-2	-17	-4	2	9	-1,437
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	-120	-113	-441	-707	-985	-518	52	1,930
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	-120	-113	-441	-707	-985	-518	52	1,930
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	-120	-113	-441	-707	-985	-518	52	1,930
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	-120	-113	-441	-707	-985	-518	52	1,930
EBIT	-102	-75	-331	-796	-982	-265	338	871
EBITDA	-96	-66	-311	-744	-847	-96	563	1,174
EBITDA Margin (%)	-36.42	-12.96	-35.73	-55.11	-53.36	-4.12	17.46	27.56
EBITA	-102	-75	-331	-796	-982	-265	338	871
Gross Margin (%)	58.87	66.2	62.9	57.28	45.01	63.62	67.51	68.07
Operating Margin (%)	-38.41	-14.81	-38.02	-59.02	-61.84	-11.4	10.48	20.44
Profit Margin (%)	-45.56	-22.1	-50.67	-52.43	-62.05	-22.29	1.62	45.29
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -
Depreciation Expense	5	9	20	53	135	169	225	303
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)

Balance Sheet API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 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	06/30/2026

Total Current Assets	1,081	1,340	3,877	5,677	6,899	8,210	9,755	12,774
+ Cash, Cash Equivalents & STI	320	267	1,483	2,851	2,067	2,145	2,226	2,603
+ Cash & Cash Equivalents	320	267	1,467	1,255	892	1,013	1,354	1,630
+ ST Investments	- -	- -	16	1,595	1,175	1,132	871	973
+ Accounts & Notes Receiv	715	1,001	2,023	2,490	4,415	5,732	7,055	9,282
+ Accounts Receivable, Net	43	59	92	142	199	353	426	284
+ Notes Receivable, Net	- -	- -	16	- -	- -	- -	- -	- -
+ Loans Receivable, Net	669	939	1,905	2,348	4,198	5,361	6,629	8,997
+ Other Receivable, Net	3	3	10	- -	17	18	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	45	72	371	336	418	333	474	889
+ 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	1,400	3,016
+ Property, Plant & Equip, Net	34	48	120	222	320	450	592	709
+ Property, Plant & Equip	42	66	153	282	444	692	1,047	1,425
- Accumulated Depreciation	9	18	33	60	124	242	455	717
+ LT Investments & Receivables	669	2	11	43	43	73	40	40
+ LT Investments	669	2	11	43	43	73	40	40
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-635	12	859	1,032	893	788	768	2,267
+ Total Intangible Assets	- -	4	584	618	577	547	547	551
+ Goodwill	- -	1	517	540	543	533	534	524
+ Other Intangible Assets	- -	2	68	79	34	14	13	26
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-635	8	274	413	316	241	221	1,716
Total Assets	1,149	1,402	4,867	6,974	8,156	9,520	11,155	15,790
+ Payables & Accruals	20	36	108	107	93	125	180	232
+ Accounts Payable	11	18	58	33	29	41	83	85
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	9	18	50	74	64	84	97	147
+ 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	232
+ LT Debt	586	917	1,982	4,144	5,451	6,614	7,853	10,023
+ LT Borrowings	586	917	1,907	4,078	5,398	6,575	7,821	9,994
+ LT Finance Leases	- -	- -	75	66	53	39	32	29
+ Other LT Liabilities	806	816	201	105	78	48	53	52
+ Accrued Liabilities	3	4	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	803	811	201	105	78	48	53	52
Total Noncurrent Liabilities	1,392	1,733	2,183	4,248	5,529	6,663	7,906	10,074
Total Liabilities	1,412	1,769	2,291	4,356	5,621	6,788	8,086	10,306
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	55	80	3,467	4,231	5,141	5,863	6,141	6,647
+ Common Stock	- -	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	55	80	3,467	4,231	5,141	5,863	6,141	6,647
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	-318	-447	-898	-1,606	-2,591	-3,109	-3,057	-1,127
+ Other Equity	- -	- -	7	-7	-15	-22	-15	-36
Equity Before Minority Interest	-263	-367	2,576	2,618	2,534	2,732	3,069	5,484
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	-263	-367	2,576	2,618	2,534	2,732	3,069	5,484
Total Liabilities & Equity	1,149	1,402	4,867	6,974	8,156	9,520	11,155	15,790
Shares Outstanding	243	243	269	287	297	311	325	337
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	75	66	53	39	32	29
Net Debt	266	650	441	2,823	4,506	5,562	6,467	8,364
Net Debt to Equity	-100.79	-177.09	17.11	107.82	177.83	203.58	210.72	152.51
Tangible Common Equity Ratio	-22.94	-26.52	46.49	31.47	25.83	24.35	23.77	32.37
Current Ratio	54.7	36.91	35.83	53.02	74.34	65.7	54.16	55.07
Cash Conversion Cycle	- -	5.62	-11.45	2.84	26.31	28.34	22.53	7.97

Cash Flow Statement (USD)

Cash Flow Statement API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y	2026 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	06/30/2026

+ Net Income	-120	-113	-441	-707	-985	-518	52	1,930
+ Depreciation & Amortization	5	9	20	53	135	169	225	303
+ Non-Cash Items	48	1	282	502	998	861	574	-1,090
+ Stock-Based Compensation	34	30	293	391	452	345	321	305
+ Deferred Income Taxes	- -	- -	- -	- -	- -	- -	7	-1,455
+ Asset Impairment Charge	- -	- -	12	- -	1	1	- -	- -
+ Other Non-Cash Adj	14	-29	-22	111	545	516	245	60
+ Chg in Non-Cash Work Cap	-21	31	-54	-10	-135	-62	-57	88
+ (Inc) Dec in Accts Receiv	-25	-19	-23	-63	-68	-168	-85	133
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	21	30	178	68	-53	74	47	6
+ Inc (Dec) in Other	-17	20	-209	-15	-14	31	-19	-50
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	-88	-71	-193	-162	12	450	794	1,231
+ 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	-238
+ Acq of Fixed Prod Assets	-19	-21	-20	-86	-121	-159	-192	-238
+ 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	10
+ Dec in LT Investment	147	- -	- -	311	1,537	1,137	1,216	1,003
+ Inc in LT Investment	-1,893	- -	- -	-1,841	-1,082	-986	-824	-993
+ 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	-2,325
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-354	-253	-1,022	-2,011	-1,653	-1,325	-1,083	-2,553
+ Dividends Paid	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Debt	274	326	963	2,162	1,637	1,160	2,307	2,237
+ Cash From Debt	1,355	2,208	4,338	6,805	8,045	14,989	24,594	40,906
+ Repayments of Debt	-1,080	-1,882	-3,375	-4,643	-6,408	-13,829	-22,288	-38,669
+ Other Financing Activities	290	-12	311	-125	-287	-247	-1,305	-228
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	562	295	2,578	2,037	1,350	913	751	2,010
Effect of Foreign Exchange Rates	- -	- -	2	-5	- -	-3	-1	-11
Net Changes in Cash	120	-30	1,363	-136	-291	38	462	687
EBITDA	-96	-66	-311	-744	-847	-96	563	1,174
EBITDA Margin (%)	-36.42	-12.96	-35.73	-55.11	-53.36	-4.12	17.46	27.56
Free Cash Flow	-109	-92	-213	-274	-109	291	602	993
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	3,230
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	0.64
Capital Expenditures	-21	-21	-20	-112	-121	-159	-192	-238