Affirm Holdings (AFRM) Operating Income (2019 - 2026)

Affirm Holdings (AFRM) posted quarterly Operating Income of $88.4 million for Q1 2026, up 1153.6% year-over-year from $7.1 million in Q1 2025, and down 24.82% on a QoQ basis from $117.6 million in Q4 2025.

Affirm Holdings (AFRM) Operating Income (2019 - 2026) Analysis & Trends

Affirm Holdings (AFRM) has reported Operating Income for 8 consecutive years, with $88.4 million the latest figure, recorded in Q1 2026.

  • In Q1 2026, Operating Income rose 1153.6% year-over-year to $88.4 million; the TTM figure through Mar 2026 stood at $327.8 million (up 249.81% YoY), while the FY2025 annual figure was -$87.3 million, up 85.83% from the prior year.
  • Operating Income came in at $88.4 million for Q1 2026 at Affirm Holdings, down from $117.6 million in the prior quarter.
  • The five-year high for Operating Income was $117.6 million in Q4 2025, with the low at -$359.5 million in Q4 2022.
  • Average Operating Income over 5 years is -$125.8 million, with a median of -$160.8 million recorded in 2024.
  • Across the five-year window, Operating Income tumbled 142.64% in 2022 and jumped 2821.56% in 2025, its largest moves.
  • Year by year, Operating Income stood at -$359.5 million in 2022, then surged by 52.12% to -$172.2 million in 2023, then surged by 97.49% to -$4.3 million in 2024, then surged by 2821.56% to $117.6 million in 2025, then fell by 24.82% to $88.4 million in 2026.
  • According to Business Quant data, Operating Income over the past three periods registered $88.4 million, $117.6 million, and $63.7 million for Q1 2026, Q4 2025, and Q3 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Op. Inc (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 7.23 Bn
2 Mastercard 465.55 Bn 455.34 Bn - 4.91 Bn
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 3.55 Bn
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 1.49 Bn
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 88.43 Mn
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn 37.32 Mn
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 746.00 Mn
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 139.80 Mn
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 69.02 Mn
10 Sezzle 5.91 Bn 5.79 Bn - 69.04 Mn

Historic Data

Download Data
DateValue
Mar 31, 2026 88.43 Mn
Dec 31, 2025 117.63 Mn
Sep 30, 2025 63.66 Mn
Jun 30, 2025 58.06 Mn
Mar 31, 2025 -8.39 Mn
Dec 31, 2024 -4.32 Mn
Sep 30, 2024 -132.62 Mn
Jun 30, 2024 -73.46 Mn
Mar 31, 2024 -160.79 Mn
Dec 31, 2023 -172.15 Mn
Sep 30, 2023 -209.45 Mn
Jun 30, 2023 -243.83 Mn
Mar 31, 2023 -310.04 Mn
Dec 31, 2022 -359.53 Mn
Sep 30, 2022 -287.47 Mn
Jun 30, 2022 -277.23 Mn
Mar 31, 2022 -226.55 Mn
Dec 31, 2021 -196.20 Mn
Sep 30, 2021 -166.07 Mn
Jun 30, 2021 -114.25 Mn