Affirm Holdings (AFRM) Net Cash Flow (2020 - 2026)
Affirm Holdings (AFRM) posted Net Cash Flow of -$36.4 million for Q2 2026, down 109.51% on a QoQ basis from $383.3 million in Q1 2026, and down 593.74% year-over-year from $7.4 million in Q2 2025.
Analysis
Affirm Holdings (AFRM) Net Cash Flow (2020 - 2026) Analysis & Trends
Affirm Holdings has reported Net Cash Flow for 7 years, with the latest figure at -$36.4 million in Q2 2026.
- On a quarterly basis, Net Cash Flow fell 593.74% year-over-year to -$36.4 million in Q2 2026; TTM through Jun 2026 was $687.2 million, a 48.67% increase from a year earlier, with the FY2026 full-year figure at $687.2 million, up 48.67% from the prior year.
- Net Cash Flow was -$36.4 million for Q2 2026 at Affirm Holdings, down from $383.3 million in the prior quarter.
- The five-year high for Net Cash Flow was $383.3 million in Q1 2026, with the low at -$1.1 billion in Q2 2022.
- Average Net Cash Flow over 5 years is -$19.7 million, with a median of -$2.2 million recorded in 2025.
- The sharpest annual moves came in 2022 and 2026: Net Cash Flow plunged 897.08% in 2022, then jumped 109418.57% in 2026.
- Over 5 years, Net Cash Flow stood at -$50.9 million in 2022, then advanced by 13.17% to -$44.2 million in 2023, then surged by 929.74% to $367.0 million in 2024, then plunged by 101.27% to -$4.7 million in 2025, then sank by 678.97% to -$36.4 million in 2026.
- The last three Net Cash Flow figures came in at -$36.4 million (Q2 2026), $383.3 million (Q1 2026), and -$4.7 million (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Cash Flow (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | -3.36 Bn |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | -36.45 Mn |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 39.08 Mn |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | -59.30 Mn |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | -586.39 Mn |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 44.36 Mn |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | -198.00 Mn |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 245.13 Mn |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | -44.21 Mn |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 8.00 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | -36.45 Mn |
| Mar 31, 2026 | 383.32 Mn |
| Dec 31, 2025 | -4.68 Mn |
| Sep 30, 2025 | 345.05 Mn |
| Jun 30, 2025 | 7.38 Mn |
| Mar 31, 2025 | 350,000.00 |
| Dec 31, 2024 | 367.05 Mn |
| Sep 30, 2024 | 87.49 Mn |
| Jun 30, 2024 | -322.90 Mn |
| Mar 31, 2024 | 173.43 Mn |
| Dec 31, 2023 | -44.24 Mn |
| Sep 30, 2023 | 231.85 Mn |
| Jun 30, 2023 | -123.84 Mn |
| Mar 31, 2023 | -484.19 Mn |
| Dec 31, 2022 | -50.95 Mn |
| Sep 30, 2022 | 368.03 Mn |
| Jun 30, 2022 | -1.11 Bn |
| Mar 31, 2022 | -138.24 Mn |
| Dec 31, 2021 | 1.14 Bn |
| Sep 30, 2021 | -20.41 Mn |