ValueQ3, 24Q4, 24Q1, 25Q2, 25TTMSelling/general/admin expenses208.32 M212.41 M223.43 M240 M884.17 MResearch & development—————Operating income8.39 M-58.06 M63.66 M117.63 M131.62 MNon-Operating Income, Total13.74 M13.52 M19.36 M15.61 M62.22 MInterest expense, net of interest capitalized107.63 M105.91 M110.03 M111.72 M435.29 MNon-Operating Income, excl. Interest Expenses-107.63 M-105.91 M-110.03 M-111.72 M-435.29 MUnusual income/expense13.74 M13.52 M19.36 M15.61 M62.22 MPretax income5.34 M-125.06 M83.02 M133.24 M96.54 MEquity in earnings—————Taxes2.5 M2.38 M2.3 M3.7 M10.88 MNon-controlling/minority interest—————After tax other income/expense7.83 M3.72 M———Net income before discontinued operations2.8 M-131.2 M80.69 M129.59 M81.88 MDiscontinued operations—————Net income2.8 M-131.2 M80.69 M129.59 M81.88 MDilution adjustment—————Preferred dividends—————Diluted net income available to common stockholders2.8 M-131.2 M80.69 M129.59 M81.88 MBasic earnings per share (Basic EPS)0.010.210.240.390.85Diluted earnings per share (Diluted EPS)0.010.220.230.370.83Average basic shares outstanding283.26 M281.22 M289.51 M293.56 M1.15 BDiluted shares outstanding303.43 M299.39 M307.55 M308.66 M1.22 BEBITDA636.78 M766.51 M811.42 M1.03 B3.24 BEBIT577.32 M702.52 M746.09 M952.82 M2.98 BCost of revenue147.25 M156.63 M162.75 M214.15 M680.78 MOther cost of goods sold—————Depreciation & amortization (cash flow)59.47 M63.99 M65.33 M75.59 M264.38 M
Affirm Holdings Inc - Class A
Affirm Holdings, Inc. is an American financial technology company and a point-of-sale lender. Founded in 2012 by PayPal co-founder Max Levchin, it is the largest U.S. based buy now, pay later financier. As of 2025, Affirm reports nearly 26 million users and processing $37 billion in annual payments.
Affirm offers unsecured installment loans at the point-of-sale through various methods. These include payment links at online checkout, payment options at self-checkout kiosks, integration into third-party digital wallets, and virtual or physical cards. The company generates revenue by applying a service fee to sellers, charging interest to borrowers, or both, and does not charge a late fee. Affirm also offers a savings account and a debit card. The lender says its loan underwriting involves evaluating transactions by considering credit scores and other pertinent factors, while also incorporating machine learning. Affirm's services are available in the U.S., Canada and the U.K.