---
title: "Affirm (AFRM.US) — Financial Reports"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/AFRM.US/norm.md"
symbol: "AFRM.US"
name: "Affirm"
parent: "https://longbridge.com/en/quote/AFRM.US.md"
datetime: "2026-05-21T18:31:50.969Z"
locales:
  - [en](https://longbridge.com/en/quote/AFRM.US/norm.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/AFRM.US/norm.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/AFRM.US/norm.md)
---

# Affirm (AFRM.US) — Financial Reports

## Income Statement (USD)

| Indicator | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 |
| --- | --- | --- | --- | --- | --- |
| EPS | 0.2956 | 0.3709 | 0.2317 | 0.2021 | 0.0081 |
| ROE | 11.23% | 15.14% | 10.14% | 9.32% | 0.40% |
| Revenue | 1.04B | 1.12B | 933.34M | 876.42M | 783.13M |
| Net income | 102.90M | 129.59M | 80.69M | 69.24M | 2.80M |
| Operating income | 88.43M | 117.63M | 63.66M | 57.26M | -8.38M |
| Gross margin | 47.96% | 48.31% | 48.77% | 48.50% | 45.02% |
| Net margin | 9.91% | 11.54% | 8.65% | 7.90% | 0.36% |
| Profit quality | 22.88% | 67.70% | 17.00% | 76.72% | -3.98% |

## Balance Sheet (USD)

| Indicator | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 |
| --- | --- | --- | --- | --- | --- |
| A&L | 13.14B | 12.96B | 11.48B | 11.15B | 10.44B |
| Leverage | 3.47 | 3.65 | 3.48 | 3.63 | 3.63 |
| BVPS | 11.30 | 10.68 | 10.00 | 9.44 | 8.91 |
| Turnover | 0.3369 | 0.3171 | 0.3200 | 0.3119 | 0.3063 |
| Cash & STI | 1.77B | 1.56B | 1.48B | 1.39B | 1.36B |
| Inv & Rec | - | - | - | - | - |
| LT assets | 691.82M | 665.79M | 630.69M | 591.76M | 564.75M |
| Net debt | 7.32B | 7.62B | 6.48B | 6.46B | 6.00B |

## Cash Flow Statement (USD)

| Indicator | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 |
| --- | --- | --- | --- | --- | --- |
| Operating CF | 386.50M | 173.74M | 374.57M | 74.64M | 210.39M |
| Investing CF | 149.44M | -1.36B | -139.61M | -454.51M | 35.52M |
| Financing CF | -152.63M | 1.19B | 110.09M | 387.26M | -245.56M |
| Free CF | 40.98M | 297.08M | -5.27M | -53.36M | 193.79M |
| OCF coverage | 3.23% | 2.15% | 4.16% | 0.99% | 2.87% |
| Repaid & issued | 11.81B | 9.29B | 9.08B | 7.90B | 7.13B |
| CapEx | -61.41M | -55.70M | -54.37M | -51.12M | -53.01M |