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    AFRM

    Affirm Holdings, Inc.

    Company overview

    Market capitalization
    —
    Employees
    2,358
    Latest publication
    2026-09-29
    About Affirm Holdings, Inc.

    Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. Its platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. The company's commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time. It has active merchants covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies with an omni-channel presence. The company's merchants represent a range of industries, including sporting goods and outdoors, home and lifestyle, travel and ticketing, electronics, fashion and beauty, equipment and auto, and general merchandise. Affirm Holdings, Inc. was founded in 2012 and is headquartered in San Francisco, California.

    Company website

    Financial statements

    Income Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20262026-06-30 · USDFY 20252025-06-30 · USDFY 20242024-06-30 · USDFY 20232023-06-30 · USDFY 20222022-06-30 · USDFY 20212021-06-30 · USDFY 20202020-06-30 · USDFY 20192019-06-30 · USD
    Card network revenue293,990,000USD———————
    Processing and servicing613,587,000USD———————
    Net other comprehensive income (loss)-21,299,000USD———————
    Technology and data analytics747,145,000USD———————
    Income (loss) before income taxes492,727,000USD———————
    Total network revenue1,443,922,000USD———————
    Interest income2,047,485,000USD———————
    Gain on sales of loans596,553,000USD———————
    Loss on loan purchase commitment311,864,000USD———————
    Unrealized gain (loss) on securities available for sale, net-1,884,000USD———————
    Total operating expenses3,844,105,000USD———————
    Basic335,155,421shares———————
    Other income, net75,750,000USD———————
    Operating income (loss)416,977,000USD———————
    Gain (loss) on cash flow hedges5,447,000USD———————
    Foreign currency translation adjustments-24,862,000USD———————
    General and administrative578,312,000USD———————
    Provision for credit losses796,650,000USD———————
    Servicing income173,123,000USD———————
    Funding costs454,016,000USD———————
    Total revenue, net4,261,082,000USD———————
    Sales and marketing342,531,000USD———————
    Net income (loss)1,929,793,000USD———————
    Diluted5.53USD/share———————
    Income tax expense (benefit)-1,437,067,000USD———————
    Comprehensive income (loss)1,908,494,000USD———————
    Merchant network revenue1,149,932,000USD———————
    Total Revenue—3,224,412,000USD2,322,999,000USD1,587,985,000USD1,349,292,000USD870,464,000USD509,528,000USD264,367,000USD
    Cost Of Revenue—1,047,572,000USD845,106,000USD873,161,000USD576,457,000USD322,914,000USD172,209,000USD108,740,000USD
    Gross Profit—2,176,840,000USD1,477,893,000USD714,824,000USD772,835,000USD547,550,000USD337,319,000USD155,627,000USD
    Selling General Administrative—545,053,000USD525,291,000USD586,398,000USD577,493,000USD383,749,000USD121,230,000USD88,902,000USD
    Selling And Marketing Expenses—434,847,000USD576,405,000USD638,280,000USD532,343,000USD182,190,000USD25,044,000USD16,863,000USD
    Unclassified Operating Expenses—1,284,213,000USD490,187,000USD75,190,000USD110,404,000USD115,942,000USD185,857,000USD80,603,000USD
    Total Operating Expenses—2,264,113,000USD2,093,740,000USD1,915,686,000USD1,638,883,000USD931,217,000USD445,109,000USD257,173,000USD
    Operating Income—-87,273,000USD-615,847,000USD-1,200,862,000USD-866,048,000USD-383,667,000USD-107,790,000USD-101,546,000USD
    Interest Expense—425,451,000USD344,253,000USD183,013,000USD69,694,000USD52,700,000USD32,316,000USD25,895,000USD
    Net Interest Income—-425,451,000USD-344,253,000USD-183,013,000USD-69,694,000USD-52,700,000USD154,414,000USD93,509,000USD
    Income Before Tax—61,464,000USD-515,527,000USD-989,245,000USD-724,831,000USD-443,370,000USD-112,222,000USD-120,419,000USD
    Income Tax Expense—9,279,000USD2,230,000USD-3,900,000USD-17,414,000USD-2,343,000USD376,000USD36,000USD
    Tax Provision—9,279,000USD2,230,000USD-3,900,000USD-17,414,000USD-2,343,000USD376,000USD36,000USD
    Net Income—52,186,000USD-517,757,000USD-985,345,000USD-707,417,000USD-441,027,000USD-112,598,000USD-120,455,000USD
    Net Income From Continuing Ops—52,186,000USD-517,757,000USD-985,345,000USD-707,417,000USD-430,923,000USD-112,598,000USD-120,455,000USD
    Ebit—486,915,000USD-171,274,000USD-806,232,000USD-655,137,000USD-390,670,000USD-79,906,000USD-94,524,000USD
    Ebitda—711,991,000USD-2,230,000USD-671,598,000USD-602,415,000USD-370,691,000USD-70,462,000USD-89,258,000USD
    Depreciation And Amortization—225,076,000USD169,044,000USD134,634,000USD52,722,000USD19,979,000USD9,444,000USD5,266,000USD
    Reconciled Depreciation—225,076,000USD169,044,000USD134,634,000USD52,722,000USD19,979,000USD9,444,000USD5,266,000USD
    Total Other Income Expense Net—148,737,000USD100,320,000USD211,617,000USD141,217,000USD-59,703,000USD-4,432,000USD7,022,000USD
    Research Development——501,857,000USD615,818,000USD418,643,000USD249,336,000USD112,978,000USD70,805,000USD
    Non Operating Income Net Other———211,617,000USD141,217,000USD———
    Net Income Applicable To Common Shares———-985,345,000USD-707,417,000USD-430,923,000USD-125,803,000USD-134,568,000USD
    Interest Income—————242,124,000USD163,374,000USD103,731,000USD
    SourceDisclosureVerifiedLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Income Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ3 20262026-03-31 · USDQ2 20262025-12-31 · USDQ1 20262025-09-30 · USDQ4 20252025-06-30 · USDQ3 20252025-03-31 · USDQ2 20252024-12-31 · USDQ1 20252024-09-30 · USDQ4 20242024-06-30 · USD
    Total Revenue1,038,765,000USD1,123,020,000USD933,337,000USD876,417,000USD783,134,000USD866,381,000USD698,479,000USD659,185,000USD
    Cost Of Revenue353,910,000USD343,453,000USD301,913,000USD282,945,000USD271,018,000USD264,173,000USD229,436,000USD213,397,000USD
    Gross Profit684,855,000USD779,567,000USD631,424,000USD593,472,000USD512,116,000USD602,208,000USD469,043,000USD445,788,000USD
    Selling General Administrative145,304,000USD141,223,000USD144,941,000USD132,857,000USD134,303,000USD139,412,000USD138,482,000USD123,459,000USD
    Selling And Marketing Expenses72,854,000USD98,782,000USD78,491,000USD79,554,000USD74,022,000USD136,038,000USD145,233,000USD135,324,000USD
    Unclassified Operating Expenses264,507,000USD421,936,000USD176,225,000USD168,397,000USD159,564,000USD331,080,000USD183,661,000USD136,234,000USD
    Total Operating Expenses482,665,000USD661,941,000USD567,763,000USD535,408,000USD520,509,000USD606,530,000USD601,666,000USD519,248,000USD
    Operating Income202,190,000USD117,626,000USD63,661,000USD58,064,000USD-8,393,000USD-4,322,000USD-132,623,000USD-73,460,000USD
    Interest Expense113,762,000USD111,717,000USD110,027,000USD105,912,000USD107,631,000USD107,762,000USD104,145,000USD95,256,000USD
    Net Interest Income-113,762,000USD-111,717,000USD-110,027,000USD-105,912,000USD-107,631,000USD-107,762,000USD-104,145,000USD-95,256,000USD
    Income Before Tax107,376,000USD133,238,000USD83,019,000USD71,580,000USD5,345,000USD82,859,000USD-98,320,000USD-44,139,000USD
    Income Tax Expense4,476,000USD3,652,000USD2,326,000USD2,337,000USD2,541,000USD2,499,000USD1,902,000USD997,000USD
    Tax Provision4,476,000USD3,652,000USD2,326,000USD2,337,000USD2,541,000USD2,499,000USD1,902,000USD997,000USD
    Net Income102,900,000USD129,586,000USD80,694,000USD69,244,000USD2,804,000USD80,360,000USD-100,222,000USD-45,136,000USD
    Net Income From Continuing Ops102,900,000USD129,586,000USD80,694,000USD69,244,000USD2,804,000USD80,360,000USD-100,222,000USD-45,136,000USD
    Ebit221,138,000USD244,955,000USD193,046,000USD177,492,000USD112,976,000USD190,621,000USD5,825,000USD51,117,000USD
    Ebitda296,201,000USD320,548,000USD258,375,000USD241,487,000USD172,443,000USD245,515,000USD52,545,000USD116,506,000USD
    Depreciation And Amortization75,063,000USD75,593,000USD65,329,000USD63,995,000USD59,467,000USD54,894,000USD46,720,000USD65,389,000USD
    Reconciled Depreciation75,063,000USD75,593,000USD65,329,000USD63,995,000USD59,467,000USD54,894,000USD46,720,000USD65,389,000USD
    Total Other Income Expense Net-94,814,000USD15,612,000USD19,358,000USD13,516,000USD13,738,000USD87,181,000USD34,303,000USD29,321,000USD
    Research Development——168,106,000USD154,600,000USD152,620,000USD—134,290,000USD124,231,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ4 20262026-06-30 · USDQ3 20262026-03-31 · USDQ2 20262025-12-31 · USDQ1 20262025-09-30 · USDQ4 20252025-06-30 · USDQ3 20252025-03-31 · USDQ2 20252024-12-31 · USDQ1 20252024-09-30 · USD
    Total Assets15,790,148,000USD13,141,580,000USD12,956,899,000USD11,478,567,000USD11,154,929,000USD10,436,187,000USD10,481,077,000USD10,139,159,000USD
    Cash And Equivalents1,630,038,000USD———————
    Total Liabilities10,306,324,000USD———————
    Total Stockholder Equity5,483,824,000USD3,783,410,000USD3,546,861,000USD3,298,885,000USD3,069,009,000USD2,874,916,000USD2,785,540,000USD2,835,572,000USD
    Total Equity Including Noncontrolling Interest5,483,824,000USD———————
    Property Plant Equipment Net708,812,000USD668,292,000USD665,794,000USD630,692,000USD591,760,000USD564,755,000USD523,805,000USD492,718,000USD
    Goodwill524,452,000USD———————
    Intangible Assets26,416,000USD27,436,000USD12,619,000USD12,685,000USD12,935,000USD12,416,000USD12,193,000USD13,459,000USD
    Retained Earnings-1,127,025,000USD-2,743,638,000USD-2,846,538,000USD-2,976,124,000USD-3,056,818,000USD-3,126,062,000USD-3,128,866,000USD-3,209,226,000USD
    Accumulated Other Comprehensive Income-36,368,000USD-23,594,000USD-16,939,000USD-24,389,000USD-15,069,000USD-44,504,000USD-47,553,000USD-9,122,000USD
    Other Current Assets—-487,067,000USD653,296,000USD746,791,000USD474,183,000USD462,057,000USD593,376,000USD393,568,000USD
    Total Liab—9,358,170,000USD9,410,038,000USD8,179,682,000USD8,085,920,000USD7,561,271,000USD7,695,537,000USD7,303,587,000USD
    Other Current Liab—-59,590,000USD114,182,000USD101,318,000USD97,278,000USD102,871,000USD99,557,000USD78,506,000USD
    Common Stock—3,000USD3,000USD3,000USD3,000USD3,000USD3,000USD3,000USD
    Capital Stock—3,000USD3,000USD3,000USD3,000USD3,000USD3,000USD3,000USD
    Good Will—529,284,000USD533,441,000USD529,909,999USD534,156,000USD522,346,000USD521,699,000USD536,745,000USD
    Other Assets—9,204,855,000USD-1,000USD7,797,018,000USD1,000USD—1,000USD6,370,431,000USD
    Cash—2,474,305,000USD1,527,880,000USD1,428,848,000USD1,354,455,000USD1,351,148,000USD1,200,381,000USD1,046,160,000USD
    Cash And Short Term Investments—2,968,077,000USD2,251,255,000USD1,477,717,000USD2,225,880,000USD2,131,318,000USD1,867,065,000USD2,119,845,000USD
    Total Current Assets—2,711,713,000USD11,468,167,000USD2,508,234,000USD9,758,617,000USD9,080,752,000USD9,109,567,000USD8,798,670,000USD
    Total Current Liabilities—3,782,000USD171,410,000USD171,651,000USD180,098,000USD143,928,000USD150,183,000USD136,067,000USD
    Net Debt—6,438,169,000USD7,653,964,000USD6,529,443,000USD6,498,851,000USD6,007,134,000USD6,295,638,000USD6,073,748,000USD
    Short Term Debt—3,782,000USD8,132,000USD12,314,000USD199,756,000USD4,209,000USD——
    Short Long Term Debt Total—8,912,474,000USD9,181,844,000USD7,958,291,000USD7,853,306,000USD7,358,282,000USD7,496,019,000USD7,119,908,000USD
    Long Term Debt—9,052,186,000USD9,139,567,000USD7,930,183,000USD7,821,363,000USD7,322,642,000USD7,463,986,000USD7,084,078,000USD
    Long Term Investments—40,396,000USD40,396,000USD40,396,000USD40,277,000USD42,316,000USD63,955,000USD56,882,000USD
    Short Term Investments—493,772,000USD723,375,000USD48,869,000USD871,425,000USD780,170,000USD666,684,000USD1,073,685,000USD
    Net Receivables—230,703,000USD8,563,616,000USD283,726,000USD7,058,554,000USD6,487,377,000USD6,649,126,000USD6,285,257,000USD
    Accounts Payable—59,590,000USD57,228,000USD58,019,000USD82,820,000USD41,057,000USD50,626,000USD57,561,000USD
    Property Plant Equipment Gross—1,352,497,000USD1,252,808,000USD1,148,847,000USD1,047,075,000USD961,076,000USD862,582,000USD780,044,000USD
    Common Stock Shares Outstanding—348,096,861shares349,365,762shares348,278,403shares342,564,600shares344,224,332shares345,196,568shares318,234,555shares
    Non Current Assets Total—1,225,012,000USD1,488,733,000USD8,970,333,000USD1,396,311,000USD1,355,435,000USD1,371,509,000USD1,340,489,000USD
    Non Current Liabilities Total—9,354,388,000USD9,238,628,000USD8,008,031,000USD7,905,822,000USD7,417,343,000USD7,545,354,000USD7,167,520,000USD
    Non Current Liabilities Other—62,299,000USD56,784,000USD62,054,000USD49,729,000USD54,771,000USD41,161,000USD39,842,000USD
    Non Currrent Assets Other—-338,953,000USD226,909,000USD183,701,000USD203,254,000USD198,269,000USD231,976,000USD220,536,000USD
    Net Working Capital—11,428,199,000USD11,296,757,000USD9,921,846,000USD9,578,519,000USD8,936,824,000USD8,959,384,000USD8,662,603,000USD
    Unclassified Current Assets—-487,067,000USD——————
    Unclassified Non Current Assets—-9,245,251,000USD—-224,068,999USD—15,333,000USD17,880,000USD-6,350,282,000USD
    Unclassified Current Liabilities—-59,590,000USD-8,132,000USD—-199,756,000USD-4,209,000USD——
    Unclassified Non Current Liabilities—239,903,000USD——————
    Unclassified Equity—6,550,636,000USD6,410,332,000USD6,299,392,000USD6,140,890,000USD6,045,476,000USD5,961,953,000USD6,053,914,000USD
    Inventory——————-593,376,000USD—
    SourceDisclosureDeterministicFinalLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20262026-06-30 · USDFY 20252025-06-30 · USDFY 20242024-06-30 · USDFY 20232023-06-30 · USDFY 20222022-06-30 · USDFY 20212021-06-30 · USDFY 20202020-06-30 · USDFY 20192019-06-30 · USD
    Accounts payable84,647,000USD———————
    Accrued interest payable28,568,000USD———————
    Cash and cash equivalents1,630,038,000USD———————
    Other assets360,601,000USD———————
    Total stockholders’ equity5,483,824,000USD———————
    Accumulated other comprehensive loss-36,368,000USD———————
    Additional paid in capital6,647,214,000USD———————
    Restricted cash803,005,000USD———————
    Loans held for investment, net8,997,447,000USD———————
    Loans held for investment9,560,742,000USD———————
    Payable to third party loan owners199,557,000USD———————
    Convertible senior notes, net1,129,581,000USD———————
    Deferred tax assets1,467,036,000USD———————
    Loans held for sale1,000USD———————
    Accumulated deficit-1,127,025,000USD———————
    Accounts receivable, net284,350,000USD———————
    Notes issued by securitization trusts5,331,229,000USD———————
    Total liabilities10,306,324,000USD———————
    Goodwill524,452,000USD———————
    Securities available for sale at fair value972,642,000USD———————
    Commercial agreement assets38,326,000USD———————
    Funding debt3,333,248,000USD———————
    Accrued expenses and other liabilities199,493,000USD———————
    Intangible assets26,416,000USD———————
    Total liabilities and stockholders’ equity15,790,148,000USD———————
    Property, equipment and software, net685,834,000USD———————
    Allowance for credit losses-563,295,000USD———————
    Class A common stock, par value $0.00001 per share: 3,030,000,000 shares authorized, 296,636,147 shares issued and outstanding as of June 30, 2026; 3,030,000,000 shares authorized, 284,378,565 shares issued and outstanding as of June 30, 20252USD/share———————
    Class B common stock, par value $0.00001 per share: 140,000,000 shares authorized, 40,539,552 shares issued and outstanding as of June 30, 2026; 140,000,000 authorized, 40,734,234 shares issued and outstanding as of June 30, 20251USD/share———————
    Total assets15,790,148,000USD———————
    Total Assets—11,154,929,000USD9,519,619,000USD8,155,615,000USD6,973,792,000USD4,866,967,000USD1,402,251,000USD1,148,505,000USD
    Intangible Assets—12,935,000USD13,502,000USD34,434,000USD78,942,000USD67,930,000USD2,496,000USD—
    Other Current Assets—474,183,000USD332,523,000USD417,955,000USD335,803,000USD371,451,000USD1,014,278,000USD717,270,000USD
    Total Liab—8,085,920,000USD6,787,630,000USD5,621,432,000USD4,355,537,000USD2,291,440,000USD1,769,347,000USD1,411,919,000USD
    Total Stockholder Equity—3,069,009,000USD2,731,989,000USD2,534,183,000USD2,618,255,000USD2,575,527,000USD-367,096,000USD-263,414,000USD
    Other Current Liab—97,278,000USD83,940,000USD64,202,000USD74,002,000USD50,425,000USD17,948,000USD8,913,000USD
    Common Stock—3,000USD3,000USD3,000USD3,000USD3,000USD——
    Capital Stock—3,000USD3,000USD3,000USD3,000USD3,000USD0USD0USD
    Retained Earnings—-3,056,818,000USD-3,109,004,000USD-2,591,247,000USD-1,605,902,000USD-898,485,000USD-447,167,000USD-318,238,000USD
    Good Will—534,156,000USD533,439,000USD542,571,000USD539,534,000USD516,515,000USD1,255,000USD—
    Other Assets—1,000USD-727,633,000USD347,317,000USD25,000USD502,056,000USD13,773,000USD34,040,000USD
    Cash—1,354,455,000USD1,013,106,000USD892,027,000USD1,255,171,000USD1,466,558,000USD267,059,000USD320,448,000USD
    Cash And Short Term Investments—2,225,880,000USD2,144,734,000USD2,066,680,000USD2,850,544,000USD1,482,728,000USD267,059,000USD320,448,000USD
    Total Current Assets—9,758,617,000USD8,209,507,000USD6,899,365,000USD5,676,568,000USD3,876,737,000USD1,340,338,000USD1,080,820,000USD
    Total Current Liabilities—180,098,000USD124,959,000USD92,804,000USD107,074,000USD108,183,000USD36,309,000USD19,759,000USD
    Net Debt—6,498,851,000USD5,601,242,000USD4,558,979,000USD2,888,750,000USD515,748,000USD650,087,000USD265,505,000USD
    Short Term Debt—199,756,000USD16,742,000USD218,741,000USD16,445,000USD104,159,000USD74,222,000USD569,234,000USD
    Short Long Term Debt Total—7,853,306,000USD6,614,348,000USD5,451,006,000USD4,143,921,000USD1,982,306,000USD917,146,000USD585,953,000USD
    Long Term Debt—7,821,363,000USD6,574,855,000USD3,579,785,000USD4,078,208,000USD1,907,354,000USD892,148,000USD569,234,000USD
    Long Term Investments—40,277,000USD73,009,000USD1,174,729,000USD1,598,043,000USD11,278,000USD939,175,000USD669,154,000USD
    Short Term Investments—871,425,000USD1,131,628,000USD1,174,653,000USD1,595,373,000USD16,170,000USD——
    Net Receivables—7,058,554,000USD5,732,250,000USD4,414,730,000USD2,490,221,000USD2,022,558,000USD59,001,000USD43,102,000USD
    Accounts Payable—82,820,000USD41,019,000USD28,602,000USD33,072,000USD57,758,000USD18,361,000USD10,846,000USD
    Property Plant Equipment Net—591,760,000USD449,549,000USD320,306,000USD222,153,000USD120,327,000USD48,140,000USD33,645,000USD
    Property Plant Equipment Gross—1,047,075,000USD691,755,000USD444,376,000USD171,482,000USD120,327,000USD48,140,000USD33,645,000USD
    Accumulated Other Comprehensive Income—-15,069,000USD-21,565,000USD-15,423,000USD-7,149,000USD6,773,000USD-302,000USD-8,823,000USD
    Common Stock Shares Outstanding—341,023,566shares309,857,129shares295,343,466shares281,704,041shares269,479,841shares257,407,450shares257,407,450shares
    Non Current Assets Total—1,396,311,000USD1,310,112,000USD1,256,250,000USD1,297,224,000USD990,230,000USD61,913,000USD67,685,000USD
    Non Current Liabilities Total—7,905,822,000USD6,662,671,000USD5,528,628,000USD4,248,463,000USD2,183,257,000USD1,733,038,000USD1,392,160,000USD
    Non Current Liabilities Other—49,729,000USD30,680,000USD53,852,000USD71,383,000USD195,325,000USD7,230,000USD5,333,000USD
    Non Currrent Assets Other—203,254,000USD219,407,000USD292,497,000USD413,423,000USD274,180,000USD8,172,000USD-635,114,000USD
    Net Working Capital—9,578,519,000USD8,084,548,000USD6,721,744,000USD5,361,742,000USD3,339,507,000USD1,313,709,000USD1,066,249,000USD
    Unclassified Current Liabilities—-199,756,000USD-16,742,000USD-218,741,000USD-16,445,000USD-104,159,000USD-78,714,000USD-572,034,000USD
    Unclassified Equity—6,140,890,000USD5,862,552,000USD5,140,847,000USD4,231,300,000USD3,467,233,000USD80,373,000USD63,647,000USD
    Current Deferred Revenue——-100,682,000USD-218,741,000USD-16,445,000USD-104,159,000USD4,492,000USD2,800,000USD
    Inventory——-334,319,000USD1USD-72,669,000USD-171,800,000USD1USD-630,661,000USD
    Unclassified Non Current Assets——21,206,000USD-1,455,604,000USD-1,554,896,000USD-502,056,000USD-951,098,000USD-669,154,000USD
    Other Liab———77,622,000USD104,542,000USD195,325,000USD11,722,000USD8,133,000USD
    Net Tangible Assets———1,957,178,000USD1,999,779,000USD1,996,708,000USD-367,096,000USD-263,414,000USD
    Unclassified Non Current Liabilities———1,817,369,000USD—-114,747,000USD821,938,000USD809,460,000USD
    SourceDisclosureVerifiedLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20262026-06-30 · USDFY 20252025-06-30 · USDFY 20242024-06-30 · USDFY 20232023-06-30 · USDFY 20222022-06-30 · USDFY 20212021-06-30 · USDFY 20202020-06-30 · USDFY 20192019-06-30 · USD
    Accrued interest payable5,166,000USD———————
    Effect of exchange rate changes on cash, cash equivalents and restricted cash-10,615,000USD———————
    Commercial agreement warrant expense-192,278,000USD———————
    Taxes paid related to net share settlement of equity awards-325,217,000USD———————
    Amortization of debt issuance costs28,232,000USD———————
    Net cash used in investing activities-2,553,427,000USD———————
    Purchases of securities available for sale-992,920,000USD———————
    Purchases and origination of loans held for investment-46,660,265,000USD———————
    Proceeds from issuance of notes and certificates by securitization trust2,850,000,000USD———————
    Proceeds from maturities and repayments of securities available for sale1,002,775,000USD———————
    Amortization of premiums and discounts on loans-305,433,000USD———————
    Changes in fair value of assets and liabilities-444,000USD———————
    Other assets-50,111,000USD———————
    Proceeds from the sale of loans held for sale2,598,182,000USD———————
    Deferred income tax expense (benefit)-1,455,217,000USD———————
    Proceeds from the sale of loans held for investment19,683,618,000USD———————
    Net income (loss)1,929,793,000USD———————
    Accounts payable1,827,000USD———————
    Net increase in cash, cash equivalents and restricted cash676,620,000USD———————
    Payable to third party loan owners-12,142,000USD———————
    Purchases and origination of loans held for sale-2,599,368,000USD———————
    Amortization of commercial agreement assets18,884,000USD———————
    Proceeds from the issuance of funding debt38,055,930,000USD———————
    Gain on sales of loans-596,553,000USD———————
    Depreciation and amortization303,333,000USD———————
    Stock based compensation304,671,000USD———————
    Payment of debt issuance costs-35,464,000USD———————
    Extinguishment of convertible debt-25,758,000USD———————
    Principal repayments of funding debt-36,318,734,000USD———————
    Accrued interest on securities available for sale-35,421,000USD———————
    Principal repayments and other loan servicing activity24,652,096,000USD———————
    Net cash provided by financing activities2,009,688,000USD———————
    Principal repayments of notes issued by securitization trust-2,350,000,000USD———————
    Accrued expenses and other liabilities10,792,000USD———————
    Gain on extinguishment of debt-1,537,000USD———————
    Accounts receivable, net-132,603,000USD———————
    Other investing inflows369,000USD———————
    Provision for losses796,650,000USD———————
    Net cash provided by operating activities1,230,974,000USD———————
    Additions to property, equipment and software-238,346,000USD———————
    Other-36,100,000USD———————
    Proceeds from exercise of common stock options and warrants and contributions to ESPP158,930,000USD———————
    Other investing outflows-754,000USD———————
    Net Income—52,186,000USD-517,757,000USD-985,345,000USD-707,417,000USD-430,923,000USD-112,598,000USD-120,455,000USD
    Depreciation—225,076,000USD169,044,000USD134,634,000USD52,722,000USD19,979,000USD9,444,000USD5,266,000USD
    Stock Based Compensation—321,433,000USD344,511,000USD451,709,000USD390,983,000USD288,033,000USD29,625,000USD33,701,000USD
    Other Non Cash Items—245,041,000USD516,692,000USD546,158,000USD111,424,000USD-93,893,000USD-29,134,000USD43,347,000USD
    Change To Account Receivables—-84,952,000USD-167,757,000USD-67,690,000USD-62,700,000USD-22,934,000USD-19,049,000USD-24,791,000USD
    Change In Working Capital—-49,827,000USD-62,352,000USD-134,975,000USD-9,906,000USD-53,748,000USD30,976,000USD-20,693,000USD
    Total Cash From Operating Activities—793,909,000USD450,138,000USD12,181,000USD-162,194,000USD-193,130,000USD-71,302,000USD-92,499,000USD
    Capital Expenditures—-192,189,000USD-159,296,000USD-120,775,000USD-111,705,000USD-20,252,000USD-21,019,000USD-21,250,000USD
    Free Cash Flow—601,720,000USD290,842,000USD-108,594,000USD-273,899,000USD-213,382,000USD-92,321,000USD-113,749,000USD
    Investments—-1,083,064,000USD-1,325,149,000USD-1,519,950,000USD-2,030,972,000USD-1,022,033,000USD-253,073,000USD-353,728,000USD
    Total Cashflows From Investing Activities—-1,083,064,000USD-1,325,149,000USD-1,653,070,000USD-2,011,338,000USD-1,022,033,000USD-253,073,000USD-353,728,000USD
    Net Borrowings—2,306,633,000USD1,160,056,000USD1,408,131,000USD2,148,469,000USD962,662,000USD325,650,000USD274,069,000USD
    Total Cash From Financing Activities—751,425,000USD913,149,000USD1,349,945,000USD2,037,119,000USD2,577,830,000USD294,732,000USD566,498,000USD
    Sale Purchase Of Stock—-250,000,000USD-189,169,000USD-109,000USD-86,000USD-813,000USD-41,445,000USD-17,129,000USD
    Change In Cash—461,024,000USD35,455,000USD-290,863,000USD-141,825,000USD1,364,504,000USD-29,643,000USD357,771,000USD
    Begin Period Cash Flow—1,295,399,000USD1,259,944,000USD1,550,807,000USD1,692,632,000USD328,128,000USD357,771,000USD237,500,000USD
    End Period Cash Flow—1,756,423,000USD1,295,399,000USD1,259,944,000USD1,550,807,000USD1,692,632,000USD328,128,000USD357,771,000USD
    Other Cashflows From Investing Activities—-1,282,766,000USD-1,316,719,000USD-1,971,592,000USD-388,704,000USD-30,725,000USD-30,725,000USD1,411,083,000USD
    Other Cashflows From Financing Activities—-292,352,000USD-183,346,000USD-80,520,000USD-125,015,000USD9,468,655,000USD4,438,885,000USD290,210,000USD
    Unclassified Investing Cash Flow—1,474,955,000USD1,476,015,000USD1,959,247,000USD520,043,000USD50,977,000USD51,744,000USD-1,389,833,000USD
    Unclassified Financing Cash Flow—-1,012,856,000USD125,608,000USD38,211,000USD—-3,032,957,000USD-2,205,072,000USD328,906,000USD
    Change To Liabilities———-35,288,000USD46,511,000USD32,223,000USD7,514,000USD4,435,000USD
    Dividends Paid———-15,768,000USD—-4,819,717,000USD-2,223,286,000USD-309,558,000USD
    Issuance Of Capital Stock———0USD1,305,176,000USD1,739,718,000USD18,214,000USD303,083,000USD
    Cash And Cash Equivalents Changes———-290,944,000USD-136,413,000USD———
    Unclassified Operating Cash Flow—————77,422,000USD—-33,665,000USD
    Change To Inventory——————22,575,000USD16,768,000USD
    SourceDisclosureVerifiedLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ3 20262026-03-31 · USDQ2 20262025-12-31 · USDQ1 20262025-09-30 · USDQ4 20252025-06-30 · USDQ3 20252025-03-31 · USDQ2 20252024-12-31 · USDQ1 20252024-09-30 · USDQ4 20242024-06-30 · USD
    Net Income102,900,000USD129,586,000USD80,694,000USD69,244,000USD2,804,000USD80,360,000USD-100,222,000USD-45,136,000USD
    Depreciation74,963,000USD75,593,000USD-57,016,000USD63,995,000USD59,467,000USD54,894,000USD46,720,000USD65,389,000USD
    Stock Based Compensation73,837,000USD77,800,000USD85,853,000USD65,495,000USD75,607,000USD86,098,000USD94,233,000USD64,913,000USD
    Other Non Cash Items90,243,000USD2,419,000USD140,341,000USD29,831,000USD73,606,000USD5,778,000USD135,826,000USD46,511,000USD
    Change To Account Receivables35,554,000USD11,054,000USD138,862,000USD-208,849,000USD-19,884,000USD102,664,000USD41,117,000USD-61,991,000USD
    Change In Working Capital118,650,000USD-111,660,000USD124,700,000USD-153,928,000USD-1,096,000USD84,887,000USD20,310,000USD-62,914,000USD
    Total Cash From Operating Activities386,756,000USD173,738,000USD374,572,000USD74,637,000USD210,388,000USD312,017,000USD196,867,000USD68,763,000USD
    Capital Expenditures-61,405,000USD-55,704,000USD-54,365,000USD-51,120,000USD-53,012,000USD-43,905,000USD-44,152,000USD-38,256,000USD
    Free Cash Flow325,351,000USD118,034,000USD320,207,000USD23,517,000USD157,376,000USD268,112,000USD152,715,000USD30,507,000USD
    Investments-26,975,000USD142,316,000USD-139,611,000USD-454,514,000USD35,517,000USD-89,068,000USD-574,999,000USD-537,633,000USD
    Total Cashflows From Investing Activities149,186,000USD-1,364,997,000USD-139,611,000USD-454,514,000USD35,517,000USD-89,068,000USD-574,999,000USD-537,633,000USD
    Net Borrowings-87,300,000USD1,234,655,000USD161,846,000USD445,180,000USD-153,349,000USD1,365,188,000USD649,614,000USD—
    Total Cash From Financing Activities-152,626,000USD1,186,580,000USD110,086,000USD387,259,000USD-245,555,000USD144,096,000USD465,625,000USD145,969,000USD
    Sale Purchase Of Stock0USD112,307,000USD-112,307,000USD0USD-186,792,000USD—-63,208,000USD-40,983,000USD
    Change In Cash379,733,000USD-3,038,000USD341,187,000USD20,464,000USD-1,198,000USD352,535,000USD89,223,000USD-324,292,000USD
    Begin Period Cash Flow2,094,572,000USD2,097,610,000USD1,756,423,000USD1,735,959,000USD1,737,157,000USD1,384,622,000USD1,295,399,000USD1,619,691,000USD
    End Period Cash Flow2,474,305,000USD2,094,572,000USD2,097,610,000USD1,756,423,000USD1,735,959,000USD1,737,157,000USD1,384,622,000USD1,295,399,000USD
    Other Cashflows From Investing Activities-4,179,153,000USD5,890,408,000USD5,359,314,000USD-364,493,000USD193,422,000USD-501,895,000USD-609,800,000USD-219,610,000USD
    Other Cashflows From Financing Activities-57,972,000USD-48,075,000USD94,827,000USD-68,698,000USD-92,206,000USD-328,292,000USD-63,933,000USD-42,293,000USD
    Unclassified Operating Cash Flow-73,837,000USD———————
    Unclassified Investing Cash Flow4,416,719,000USD-7,342,017,000USD-5,304,949,000USD415,613,000USD-140,410,000USD545,800,000USD653,952,000USD257,866,000USD
    Unclassified Financing Cash Flow-7,354,000USD-112,307,000USD-34,280,000USD10,777,000USD186,792,000USD-892,800,000USD-56,848,000USD229,245,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Operating metrics

    No operating metrics are currently published for this company.

    Revenue breakdown

    PeriodDimensionBusiness / regionRevenueCurrencySource
    Q3 2026Quarterly · 2026-03-31ProductMerchant Network268,027,000USD0001628280-26-032294
    Q3 2026Quarterly · 2026-03-31ProductVirtual Card Network66,467,000USD0001628280-26-032294
    Q2 2026Quarterly · 2025-12-31ProductMerchant Network328,380,000USD0001628280-26-005855
    Q2 2026Quarterly · 2025-12-31ProductVirtual Card Network73,035,000USD0001628280-26-005855
    Q1 2026Quarterly · 2025-09-30ProductMerchant Network251,147,000USD0001628280-25-050295
    Q1 2026Quarterly · 2025-09-30ProductVirtual Card Network69,330,000USD0001628280-25-050295
    Q4 2025Quarterly · 2025-06-30ProductMerchant Network239,451,000USDLegacy provider
    Q4 2025Quarterly · 2025-06-30ProductVirtual Card Network67,114,000USDLegacy provider
    FY 2025Yearly · 2025-06-30GeographyCanada119,009,000USD0001820953-25-000080
    FY 2025Yearly · 2025-06-30GeographyOther Geographical282,000USD0001820953-25-000080
    FY 2025Yearly · 2025-06-30GeographyUnited States3,105,121,000USD0001820953-25-000080
    FY 2025Yearly · 2025-06-30ProductMerchant Network882,658,000USD0001820953-25-000080
    FY 2025Yearly · 2025-06-30ProductVirtual Card Network231,308,000USD0001820953-25-000080
    Q3 2025Quarterly · 2025-03-31ProductMerchant Network213,973,000USD0001628280-26-032294
    Q3 2025Quarterly · 2025-03-31ProductVirtual Card Network58,572,000USD0001628280-26-032294
    Q2 2025Quarterly · 2024-12-31ProductMerchant Network244,895,000USD0001628280-26-005855
    Q2 2025Quarterly · 2024-12-31ProductVirtual Card Network58,142,000USD0001628280-26-005855
    Q1 2025Quarterly · 2024-09-30ProductMerchant Network184,339,000USD0001628280-25-050295
    Q1 2025Quarterly · 2024-09-30ProductVirtual Card Network47,480,000USD0001628280-25-050295
    Q4 2024Quarterly · 2024-06-30ProductMerchant Network181,008,000USDLegacy provider
    Q4 2024Quarterly · 2024-06-30ProductVirtual Card Network42,980,000USDLegacy provider
    FY 2024Yearly · 2024-06-30GeographyCanada97,394,000USD0001820953-25-000080
    FY 2024Yearly · 2024-06-30GeographyOther Geographical0USD0001820953-25-000080
    FY 2024Yearly · 2024-06-30GeographyUnited States2,225,605,000USD0001820953-25-000080
    FY 2024Yearly · 2024-06-30ProductMerchant Network674,607,000USD0001820953-25-000080
    FY 2024Yearly · 2024-06-30ProductVirtual Card Network151,401,000USD0001820953-25-000080
    FY 2023Yearly · 2023-06-30GeographyCanada47,423,000USD0001820953-25-000080
    FY 2023Yearly · 2023-06-30GeographyOther Geographical518,000USD0001820953-25-000080
    FY 2023Yearly · 2023-06-30GeographyUnited States1,540,044,000USD0001820953-25-000080
    FY 2023Yearly · 2023-06-30ProductMerchant Network507,600,000USD0001820953-25-000080
    FY 2023Yearly · 2023-06-30ProductVirtual Card Network119,338,000USD0001820953-25-000080
    Q2 2023Quarterly · 2022-12-31GeographyCanada9,121,000USD0001820953-23-000002
    Q2 2023Quarterly · 2022-12-31GeographyOther Geographical48,000USD0001820953-23-000002
    Q2 2023Quarterly · 2022-12-31GeographyUnited States390,389,000USD0001820953-23-000002
    Q1 2023Quarterly · 2022-09-30GeographyCanada9,014,000USD0001820953-22-000039
    Q1 2023Quarterly · 2022-09-30GeographyOther Geographical25,000USD0001820953-22-000039
    Q1 2023Quarterly · 2022-09-30GeographyUnited States352,585,000USD0001820953-22-000039
    FY 2022Yearly · 2022-06-30GeographyCanada44,852,000USD0001820953-24-000035
    FY 2022Yearly · 2022-06-30GeographyOther Geographical136,000USD0001820953-24-000035
    FY 2022Yearly · 2022-06-30GeographyUnited States1,304,304,000USD0001820953-24-000035
    FY 2022Yearly · 2022-06-30ProductMerchant Network458,511,000USD0001820953-24-000035
    FY 2022Yearly · 2022-06-30ProductVirtual Card Network100,696,000USD0001820953-24-000035
    Q4 2022Quarterly · 2022-06-30GeographyCanada16,570,000USDLegacy provider
    Q4 2022Quarterly · 2022-06-30GeographyOther Geographical80,000USDLegacy provider
    Q4 2022Quarterly · 2022-06-30GeographyUnited States347,484,000USDLegacy provider
    Q3 2022Quarterly · 2022-03-31GeographyCanada9,975,000USD0001820953-22-000031
    Q3 2022Quarterly · 2022-03-31GeographyOther Geographical56,000USD0001820953-22-000031
    Q3 2022Quarterly · 2022-03-31GeographyUnited States344,731,000USD0001820953-22-000031
    Q2 2022Quarterly · 2021-12-31GeographyCanada10,525,000USD0001820953-23-000002
    Q2 2022Quarterly · 2021-12-31GeographyUnited States350,486,000USD0001820953-23-000002
    Q1 2022Quarterly · 2021-09-30GeographyCanada7,782,000USD0001820953-22-000039
    Q1 2022Quarterly · 2021-09-30GeographyUnited States261,603,000USD0001820953-22-000039
    FY 2021Yearly · 2021-06-30GeographyCanada13,242,000USD0001820953-23-000016
    FY 2021Yearly · 2021-06-30GeographyOther Geographical0USD0001820953-23-000016
    FY 2021Yearly · 2021-06-30GeographyUnited States857,222,000USD0001820953-23-000016
    FY 2021Yearly · 2021-06-30ProductMerchant Network379,551,000USD0001820953-23-000016
    FY 2021Yearly · 2021-06-30ProductVirtual Card Network49,851,000USD0001820953-23-000016
    Q4 2021Quarterly · 2021-06-30GeographyCanada7,606,000USDLegacy provider
    Q4 2021Quarterly · 2021-06-30GeographyUnited States254,174,000USDLegacy provider
    Q3 2021Quarterly · 2021-03-31GeographyCanada5,802,000USD0001820953-22-000031
    Q3 2021Quarterly · 2021-03-31GeographyUnited States224,863,000USD0001820953-22-000031
    FY 2020Yearly · 2020-06-30GeographyCanada3,316,000USD0001628280-22-023828
    FY 2020Yearly · 2020-06-30GeographyOther Geographical0USD0001628280-22-023828
    FY 2020Yearly · 2020-06-30GeographyUnited States506,212,000USD0001628280-22-023828
    FY 2020Yearly · 2020-06-30ProductMerchant Network256,752,000USD0001628280-22-023828
    FY 2020Yearly · 2020-06-30ProductVirtual Card Network19,340,000USD0001628280-22-023828
    FY 2019Yearly · 2019-06-30GeographyCanada0USD0001820953-21-000102
    FY 2019Yearly · 2019-06-30GeographyUnited States264,367,000USD0001820953-21-000102
    FY 2019Yearly · 2019-06-30ProductMerchant Network132,363,000USD0001820953-21-000102
    FY 2019Yearly · 2019-06-30ProductVirtual Card Network7,911,000USD0001820953-21-000102

    Periods follow company fiscal calendars. Quarterly, annual and year-to-date amounts are shown separately. Missing values are not zero. Data may be delayed, incomplete or corrected; follow the disclosure links to verify figures.