AffirmAFRMRevenue: is the business selling more than it used to?
$1.4B+30% YoYFY 2026
→Revenue reached $1.4B in 2026, compounding +32% a year since 2023 and the pace is picking up.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
AffirmAFRMNet income: how much of that revenue becomes profit?
$1.9B+3598% YoYFY 2026
→Net income was $1.9B in 2026, against $52M the year before. Earnings per share moved +3598% over the last twelve months.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
AffirmAFRMHow fast is it growing, year by year?
+29.6%revenue growth, FY 2026
Off the axis: 2026 earnings +3597.9% - rebounds off a collapsed prior year.
→Revenue grew +30% in 2026 against a five-year average of +28%. 2026's +3598% earnings rebound off a collapsed base sits off the axis.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
AffirmAFRMRevenue per share: is your slice growing as fast as the company?
$4.14revenue per share, FY 2026
→Revenue per share reached $4.14 in 2026, compounding +25% a year against +32% for AFRM as a whole. Dilution absorbed about 7.1 points of that growth. Free cash flow per share stands at $2.85.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
AffirmAFRMFree cash flow: what is left in real cash after everything?
$993M+65% YoYFY 2026
→Free cash flow was $993M in 2026. That is the most cash the business has ever thrown off in a year.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
AffirmAFRMHow much of every sales dollar ends up as free cash?
→69 cents of every sales dollar became free cash in 2026, up 86 points since 2023 - the best conversion in its filed history.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
AffirmAFRMWhat does staying competitive cost, per dollar of sales?
→The biggest claim on each sales dollar is stock compensation, at 21% of revenue (capital spending 17%). That share has fallen since 2023, so the cost of competing is easing.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
AffirmAFRMMargins: of every $1 of sales, how much survives each cost layer?
→Operating margin widened 220 points to 29% since 2023. After everything, 134 cents of each sales dollar reaches net profit. AFRM doesn't tag a gross-profit line in its filings, so the chart starts at operating margin.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
AffirmAFRMWhat does it earn on the money it uses?
→AFRM earns 35% on shareholders' capital. Return on capital employed isn't meaningful for this business model, so ROE carries the picture alone.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
AffirmAFRMWhat has the market paid for AFRM over time?
13.1xP/E today
◌ 2026 = at the latest close (2026-09-04), over the trailing twelve months; earlier years are annual averages
→At 16.9x sales, the market is paying about what it has typically paid AFRM's own 6-year median of 16.4x. Neither a bargain nor a stretch by its own standard.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
AffirmAFRMWhat cash return does the business throw off per dollar of market value?
4.1%FCF yield today
◌ 2026 = at the latest close (2026-09-04), over the trailing twelve months; earlier years are annual averages
→Every dollar of market value currently buys 4.1% of annual free cash flow, more than its 6-year median of 3.2% - the cash is cheaper than usual.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
AffirmAFRMCould it handle its debt if things went wrong?
→Debt of $9.8B sits against $1.6B of cash, or 1.8x shareholders' equity. Earnings cover interest only 0.9 times, which is thin.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
AffirmAFRMIs the company's own capital growing?
→The company's own capital grew from $2.6B in 2023 to $5.5B (+108%). The business is building book value rather than consuming it.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
AffirmAFRMHow much goes back, and how much leaks out as stock comp?
→AFRM returned no cash to shareholders in the latest filed year: everything is being retained or reinvested.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
AffirmAFRMHow fast is your ownership being diluted - or concentrated?
→The share count grew 2.3% in 2026, averaging 5.8% a year over three years. Your slice of the company shrinks by that much each year unless earnings grow faster.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
AffirmAFRMAFRM has issued or retired shares - did shareholders end up better off?
→AFRM's share count rose +637% from 2019 to 2026 while revenue per share grew +40%. Holders are further ahead than before, though the gain per share is smaller than the growth in the business.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
AffirmAFRMAre the people running it buying or selling?
→Insiders sold $23M on the open market and bought nothing. Many sales are pre-scheduled diversification rather than a view on the price. A further 49 filings were grants, option exercises or tax withholding, which say nothing either way.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30