Income Statement for AFRM

	Affirm Holdings, Inc. (AFRM)
	Q3-CY2026	Q2-CY2026	Q1-CY2026	Q4-CY2025	Q3-CY2025	Q2-CY2025	Q1-CY2025	Q4-CY2024	Q3-CY2024	Q2-CY2024	Q1-CY2024	Q4-CY2023	Q3-CY2023	Q2-CY2023	Q1-CY2023	Q4-CY2022	Q3-CY2022	Q2-CY2022	Q1-CY2022	Q4-CY2021	Q3-CY2021	Q2-CY2021	Q1-CY2021	Q4-CY2020	Q3-CY2020	Q2-CY2020	Q1-CY2020	Q4-CY2019	Q3-CY2019	Q2-CY2019	Q1-CY2019	Q4-CY2018	Q3-CY2018	Q2-CY2018	Q1-CY2018	Q4-CY2017	Q3-CY2017	Q2-CY2017	Q1-CY2017	Q4-CY2016	Q3-CY2016	Q2-CY2016	Q1-CY2016	Q4-CY2015	Q3-CY2015	Q2-CY2015	Q1-CY2015	Q4-CY2014	Q3-CY2014
Balance Sheet Date		2026-Jun-30	2026-Mar-31	2025-Dec-31	2025-Sep-30	2025-Jun-30	2025-Mar-31	2024-Dec-31	2024-Sep-30	2024-Jun-30	2024-Mar-31	2023-Dec-31	2023-Sep-30	2023-Jun-30	2023-Mar-31	2022-Dec-31	2022-Sep-30	2022-Jun-30	2022-Mar-31	2021-Dec-31	2021-Sep-30	2021-Jun-30	2021-Mar-31	2020-Dec-31
Fiscal Period		Q4-FY2026	Q3-FY2026	Q2-FY2026	Q1-FY2026	Q4-FY2025	Q3-FY2025	Q2-FY2025	Q1-FY2025	Q4-FY2024	Q3-FY2024	Q2-FY2024	Q1-FY2024	Q4-FY2023	Q3-FY2023	Q2-FY2023	Q1-FY2023	Q4-FY2022	Q3-FY2022	Q2-FY2022	Q1-FY2022	Q4-FY2021	Q3-FY2021	Q2-FY2021
Total Revenue		1,165,960,000$	1,038,765,000$	1,123,019,000$	933,337,000$	876,417,000$	783,135,000$	866,381,000$	698,479,000$	659,185,000$	576,157,000$	591,110,000$	496,547,000$	445,825,000$	380,978,000$	399,558,000$	361,624,000$	364,134,000$	354,762,000$	361,011,000$	269,385,000$	261,780,000$	230,665,000$	204,041,000$	173,978,000$	153,332,000$	138,273,000$	129,976,000$
QoQ%		12.25%	(7.50%)	20.32%	6.50%	11.91%	(9.61%)	24.04%	5.96%	14.41%	(2.53%)	19.04%	11.38%	17.02%	(4.65%)	10.49%	(.69%)	2.64%	(1.73%)	34.01%	2.91%	13.49%	13.05%	17.28%	13.47%	10.89%	6.38%
YoY%		33.04%	32.64%	29.62%	33.62%	32.96%	35.92%	46.57%	40.67%	47.86%	51.23%	47.94%	37.31%	22.43%	7.39%	10.68%	34.24%	39.10%	53.80%	76.93%	54.84%	70.73%	66.82%	56.98%
Cost Of Revenue		223,202,000$	196,543,000$	214,153,000$	162,752,000$	156,627,000$	147,252,000$	152,980,000$	159,824,000$	117,609,000$	122,443,000$	120,880,000$	99,696,000$	94,483,000$	66,438,000$	106,689,000$	64,250,000$	72,691,000$	66,294,000$	52,640,000$	63,647,000$	25,489,000$	(1,063,000$)	12,521,000$	28,931,000$	(32,171,000$)	82,216,000$	30,178,000$
Gross Profit		942,758,000$	842,222,000$	908,866,000$	770,585,000$	719,790,000$	635,883,000$	713,401,000$	538,655,000$	541,576,000$	453,714,000$	470,230,000$	396,851,000$	351,342,000$	314,540,000$	292,869,000$	297,374,000$	291,443,000$	288,468,000$	308,371,000$	205,738,000$	236,291,000$	231,728,000$	191,520,000$	145,047,000$	185,503,000$	56,057,000$	99,798,000$
Gross Margin		80.86%	81.08%	80.93%	82.56%	82.13%	81.20%	82.34%	77.12%	82.16%	78.75%	79.55%	79.92%	78.81%	82.56%	73.30%	82.23%	80.04%	81.31%	85.42%	76.37%	90.26%	100.46%	93.86%	83.37%	120.98%	40.54%	76.78%
Operating Expenses		795,497,000$	753,793,000$	791,240,000$	706,924,000$	661,726,000$	644,276,000$	717,723,000$	671,278,000$	615,036,000$	614,503,000$	642,381,000$	606,298,000$	595,170,000$	624,575,000$	652,401,000$	584,841,000$	568,669,000$	515,019,000$	504,571,000$	371,809,000$	350,544,000$	441,076,000$	218,292,000$	178,341,000$	146,183,000$	137,562,000$	132,431,000$
Operating Income		147,261,000$	88,429,000$	117,626,000$	63,661,000$	58,064,000$	(8,393,000$)	(4,322,000$)	(132,623,000$)	(73,460,000$)	(160,789,000$)	(172,151,000$)	(209,447,000$)	(243,828,000$)	(310,035,000$)	(359,532,000$)	(287,467,000$)	(277,226,000$)	(226,551,000$)	(196,200,000$)	(166,071,000$)	(114,253,000$)	(209,348,000$)	(26,772,000$)	(33,294,000$)	39,320,000$	(81,505,000$)	(32,633,000$)
Operating Margin		12.63%	8.51%	10.47%	6.82%	6.63%	(1.07%)	(.50%)	(18.99%)	(11.14%)	(27.91%)	(29.12%)	(42.18%)	(54.69%)	(81.38%)	(89.98%)	(79.49%)	(76.13%)	(63.86%)	(54.35%)	(61.65%)	(43.65%)	(90.76%)	(13.12%)	(19.14%)	25.64%	(58.95%)	(25.11%)
Interest Income
Interest Expenses
Income Before Tax		169,094,000$	107,376,000$	133,238,000$	83,019,000$	71,580,000$	5,345,000$	82,859,000$	(98,320,000$)	(44,139,000$)	(133,046,000$)	(167,602,000$)	(170,740,000$)	(207,278,000$)	(206,513,000$)	(324,005,000$)	(251,449,000$)	(204,516,000$)	(54,412,000$)	(159,459,000$)	(306,444,000$)	(125,868,000$)	(287,121,000$)	(26,532,000$)	(3,849,000$)	34,907,000$	(85,527,000$)	(30,903,000$)
Tax Expenses		(1,447,520,000$)	4,476,000$	3,652,000$	2,326,000$	2,337,000$	2,541,000$	2,499,000$	1,902,000$	997,000$	890,000$	(700,000$)	1,043,000$	(1,316,000$)	(836,000$)	(1,568,000$)	(180,000$)	(18,120,000$)	259,000$	276,000$	171,000$	(2,448,000$)	(70,000$)	78,000$	97,000$	94,000$	93,000$	93,000$
Net Income		1,616,613,000$	102,900,000$	129,586,000$	80,694,000$	69,244,000$	2,804,000$	80,360,000$	(100,222,000$)	(45,136,000$)	(133,936,000$)	(166,902,000$)	(171,783,000$)	(205,962,000$)	(205,677,000$)	(322,437,000$)	(251,269,000$)	(186,396,000$)	(54,671,000$)	(159,735,000$)	(306,615,000$)	(123,420,000$)	(287,051,000$)	(26,610,000$)	(3,946,000$)	34,813,000$	(85,620,000$)	(30,996,000$)
Profit Margin		138.65%	9.91%	11.54%	8.65%	7.90%	.36%	9.28%	(14.35%)	(6.85%)	(23.25%)	(28.24%)	(34.60%)	(46.20%)	(53.99%)	(80.70%)	(69.48%)	(51.19%)	(15.41%)	(44.25%)	(113.82%)	(47.15%)	(124.45%)	(13.04%)	(2.27%)	22.70%	(61.92%)	(23.85%)
TTM		45.29%	9.63%	7.60%	6.74%	1.62%	(2.07%)	(7.10%)	(17.67%)	(22.29%)	(32.17%)	(39.19%)	(52.58%)	(62.05%)	(64.12%)	(55.05%)	(45.24%)	(52.43%)	(51.68%)	(78.09%)	(77.00%)	(50.67%)	(37.11%)	(12.15%)	(14.40%)
Earnings to Minority																						39,892,000$	(39,892,000$)	4,947,000$				13,205,000$
Earnings to Common Shareholders		1,616,613,000$	102,900,000$	129,586,000$	80,694,000$	69,244,000$	2,804,000$	80,360,000$	(100,222,000$)	(45,136,000$)	(133,936,000$)	(166,902,000$)	(171,783,000$)	(205,962,000$)	(205,677,000$)	(322,437,000$)	(251,269,000$)	(186,396,000$)	(54,671,000$)	(159,735,000$)	(306,615,000$)	(163,312,000$)	(247,159,000$)	(26,610,000$)	(3,946,000$)	34,813,000$	(85,620,000$)	(44,201,000$)
QoQ%		1,471.05%	(20.59%)	60.59%	16.54%	2,369.47%	(96.51%)	180.18%	(122.04%)	66.30%	19.75%	2.84%	16.60%	(.14%)	36.21%	(28.32%)	(34.80%)	(240.94%)	65.77%	47.90%	(87.75%)	33.92%	(828.82%)	(574.35%)	(111.34%)	140.66%	(93.71%)
YoY%		2,234.66%	3,569.76%	61.26%	180.52%	253.41%	102.09%	148.15%	41.66%	78.09%	34.88%	48.24%	31.63%	(10.50%)	(276.21%)	(101.86%)	18.05%	(14.14%)	77.88%	(500.28%)	(7,670.27%)	(569.11%)	(188.67%)	39.80%
Earnings Per Share, Basic		4.77$	0.31$	0.39$	0.24$	0.21$	0.01$	0.25$	(0.31$)	(0.14$)	(0.43$)	(0.54$)	(0.57$)	(0.69$)	(0.69$)	(1.10$)	(0.86$)	(0.65$)	(0.19$)	(0.57$)	(1.13$)	(0.62$)	(1.06$)	(0.38$)	(0.06$)		(1.80$)	(0.92$)
Earnings Per Share, Diluted		4.62$	0.30$	0.37$	0.23$	0.19$	0.01$	0.23$	(0.31$)	(0.14$)	(0.43$)	(0.54$)	(0.57$)	(0.69$)	(0.69$)	(1.10$)	(0.86$)	(0.65$)	(0.19$)	(0.57$)	(1.13$)	(0.62$)	(1.06$)	(0.38$)	(0.06$)		(1.80$)	(0.92$)
Unlevered FCF Per Share, Basic		0.68$	0.96$	0.35$	0.97$	0.07$	0.49$	0.83$	0.48$	0.10$	0.52$	0.12$	0.21$	0.06$	(0.29$)	(0.21$)	0.07$	(0.30$)	(0.17$)	(1.64$)	1.28$	(0.10$)	(0.55$)		(0.10$)		(0.28$)
Unlevered FCF Per Share, Diluted		0.66$	0.93$	0.34$	0.92$	0.07$	0.46$	0.78$	0.48$	0.10$	0.52$	0.12$	0.21$	0.06$	(0.29$)	(0.21$)	0.07$	(0.30$)	(0.17$)	(1.64$)	1.28$	(0.10$)	(0.55$)		(0.09$)		(0.28$)
Average Shares, Basic		338,970,043	337,142,686	334,270,750	330,238,205	326,836,636	324,053,967	322,282,334	318,234,555	315,390,516	312,626,728	307,571,602	303,839,670	299,556,548	297,204,715	293,683,331	290,929,270	287,962,940	285,641,820	281,533,888	271,677,516	264,582,557	233,309,590	70,801,521	64,778,024		47,435,554	48,079,867
Average Shares, Diluted		349,645,562	348,096,861	349,365,762	348,278,403	356,438,809	344,224,332	345,196,568	318,234,555	315,390,516	312,626,728	307,571,602	303,839,670	299,556,548	297,204,715	293,683,331	290,929,270	287,962,940	285,641,820	281,533,888	271,677,516	264,611,144	233,309,590	70,801,521	68,256,189		47,435,554	48,079,867
EBIT		169,094,000$	107,376,000$	133,238,000$	83,019,000$	71,580,000$	5,345,000$	82,859,000$	(98,320,000$)	(44,139,000$)	(133,046,000$)	(167,602,000$)	(170,740,000$)	(207,278,000$)	(206,513,000$)	(324,005,000$)	(251,449,000$)	(204,516,000$)	(54,412,000$)	(159,459,000$)	(306,444,000$)	(125,868,000$)	(287,121,000$)	(26,532,000$)	(3,849,000$)	34,907,000$	(85,527,000$)	(30,903,000$)
EBITDA		256,442,000$	182,439,000$	208,831,000$	148,348,000$	135,575,000$	64,812,000$	137,753,000$	(51,600,000$)	21,250,000$	(96,034,000$)	(141,090,000$)	(130,609,000$)	(163,999,000$)	(159,044,000$)	(301,001,000$)	(230,567,000$)	(187,401,000$)	(41,310,000$)	(147,495,000$)	(295,903,000$)	(117,981,000$)	(282,100,000$)	(26,532,000$)	(129,000$)	36,930,000$	(82,650,000$)	(30,903,000$)