Affirm Holdings, Inc. (AFRM) Earnings History
Profitable7 years of earnings data (2019–2025) · Positive TTM net income
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Affirm Holdings, Inc. (AFRM) Earnings Overview
As of July 8, 2026, Affirm Holdings, Inc. (AFRM) reported trailing twelve-month net income of $382M, reflecting +109.0% year-over-year growth. The company earned $1.10 per diluted share over the past four quarters, with a net profit margin of 1.6%.
Looking at the long-term picture, AFRM's historical earnings data spans multiple years. The company achieved its highest annual net income of $52M in fiscal 2025, representing a new all-time high.
Affirm Holdings, Inc. maintains positive profitability with a gross margin of 67.5%, operating margin of -2.7%, and net margin of 1.6%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including SEZL ($148M net income, 29.6% margin), LPRO (-$5M net income, -4.5% margin), UPST ($49M net income, 5.0% margin), AFRM has room to improve margins relative to the peer group. Compare AFRM vs SEZL →
AFRM Earnings vs Peers
Earnings metrics vs comparable public companies
AFRM Historical Earnings Data (2019–2025)
7 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $52M | +110.1% | -$87M | $0.15 | 1.6% | -2.7% |
| 2024 | -$518M | +47.5% | -$616M | $-1.67 | -22.3% | -26.5% |
| 2023 | -$985M | -39.3% | -$1.20B | $-3.34 | -62.1% | -75.6% |
| 2022 | -$707M | -60.4% | -$866M | $-2.51 | -52.4% | -64.2% |
| 2021 | -$441M | -291.7% | -$384M | $-1.64 | -50.7% | -44.1% |
| 2020 | -$113M | +6.5% | -$108M | $-0.44 | -22.1% | -21.2% |
| 2019 | -$120M | - | -$102M | $-0.47 | -45.6% | -38.4% |
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AFRM — Frequently Asked Questions
Quick answers to the most common questions about buying AFRM stock.
What is AFRM earnings per share (EPS)?
AFRM trailing twelve-month (TTM) diluted EPS is $1.10, reflecting +109.0% year-over-year growth. The 5-year EPS CAGR is N/A. Complete EPS history from 2019 to 2025 is available in the table on this page.
What is Affirm Holdings, Inc.'s net income?
Affirm Holdings, Inc. (AFRM) trailing twelve-month net income is $382M as of 2025. Earnings grew +109.0% year-over-year.
Is AFRM profitable?
Yes, AFRM is profitable with a TTM net income of $382M and a net profit margin of +1.6%.
What is AFRM's earnings growth rate?
AFRM compound annual EPS growth rates (CAGR): 1-Year: N/A, 3-Year: N/A, 5-Year: N/A, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2019 to 2025.
What are AFRM's profit margins?
Affirm Holdings, Inc. net profit margin is +1.6%, operating margin is -2.7%, and gross margin is +67.5%. Below-average margins reflect competitive or cost pressures. Return on Equity is +1.8%.
Is AFRM growing earnings?
Yes, AFRM earnings are accelerating — EPS growth of +109.0% exceeds the 5-year CAGR of N/A. TTM net income reached $382M. Earnings momentum is strengthening.
What was AFRM's best earnings year?
Affirm Holdings, Inc.'s highest annual net income on record is $52M, achieved in fiscal year 2025. Earnings history on this page spans 2019 to 2025 and includes all annual and quarterly figures.
What were AFRM's earnings last quarter?
AFRM's most recent reported quarter was Q3 2026. Net income was $103M with diluted EPS of $0.30. For a full breakdown of all quarters, see the quarterly earnings table on this page.