AFRM - Affirm Holdings, Inc.

📈 Is growth accelerating? 6 metrics

Metric	Q4 FY2026 Jun 30, 2026 10-K ↗	Q3 FY2026 Mar 31, 2026 10-Q ↗	Q2 FY2026 Dec 31, 2025 10-Q ↗	Q1 FY2026 Sep 30, 2025 10-Q ↗	Q4 FY2025 Jun 30, 2025 10-K ↗	Q3 FY2025 Mar 31, 2025 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Sep 30, 2024 10-Q ↗	Q4 FY2024 Jun 30, 2024 10-K ↗	Q3 FY2024 Mar 31, 2024 10-Q ↗	Q2 FY2024 Dec 31, 2023 10-Q ↗	Q1 FY2024 Sep 30, 2023 10-Q ↗	Q4 FY2023 Jun 30, 2023 10-K ↗	Q3 FY2023 Mar 31, 2023 10-Q ↗	Q2 FY2023 Dec 31, 2022 10-Q ↗	Q1 FY2023 Sep 30, 2022 10-Q ↗	Q4 FY2022 Jun 30, 2022 10-K ↗	Q3 FY2022 Mar 31, 2022 10-Q ↗	Q2 FY2022 Dec 31, 2021 10-Q ↗	Q1 FY2022 Sep 30, 2021 10-Q ↗	Q4 FY2021 Jun 30, 2021 10-K ↗	Q3 FY2021 Mar 31, 2021 10-Q ↗	Q2 FY2021 Dec 31, 2020 10-Q ↗	Q1 FY2021 Sep 30, 2020 10-Q ↗	Q4 FY2020 Jun 30, 2020 10-K ↗	Q3 FY2020 Mar 31, 2020 10-Q ↗	Q2 FY2020 Dec 31, 2019 10-Q ↗	Q1 FY2020 Sep 30, 2019 10-Q ↗	Q4 FY2019 Jun 30, 2019 10-K ↗	Q4 FY2018 Jun 30, 2018 10-K ↗
Revenue Growth YoY (%)	33.0% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+451%)	32.6% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+444%)	29.6% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+394%)	33.6% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+460%)	33.0% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+449%)	35.9% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+499%)	46.6% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+676%)	40.7% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+578%)	47.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+698%)	51.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+754%)	47.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+699%)	37.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+522%)	22.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+274%)	7.4% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+23%)	10.7% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+78%)	34.2% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+471%)	39.1% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+552%)	53.8% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+797%)	76.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1182%)	54.8% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+814%)	70.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1079%)	66.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1014%)	57.0% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+850%)	—	—	—	—	—	—	—
EPS Growth YoY (%)	2195.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	3000.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	56.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	N/M	N/M	45.6% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	79.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	37.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	50.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	33.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-6.2% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-263.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-93.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	23.9% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-261.1% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	84.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-50.0% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-1783.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	31.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	58.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—	—
Net Income Growth YoY (%)	2234.7% Excellent Excellent Year-over-year change in net income	N/M	N/M	N/M	N/M	41.7% Excellent ↓ Excellent Declining Year-over-year change in net income	41.7% Excellent ↓ Excellent Declining Year-over-year change in net income	41.7% Excellent ↓ Excellent Declining Year-over-year change in net income	78.1% Excellent ↑ Excellent Improving Year-over-year change in net income	31.6% Excellent ↑ Excellent Improving Year-over-year change in net income	31.6% Excellent ↑ Excellent Improving Year-over-year change in net income	31.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-10.5% Weak ↓ Weak Declining Year-over-year change in net income	18.1% Good ↑ Good Improving Year-over-year change in net income	18.1% Good ↑ Good Improving Year-over-year change in net income	18.1% Good ↑ Good Improving Year-over-year change in net income	-51.0% Weak ↑ Weak Improving Year-over-year change in net income	-7670.3% Weak → Weak Stable Year-over-year change in net income	-7670.3% Weak ↓ Weak Declining Year-over-year change in net income	-7670.3% Weak ↓ Weak Declining Year-over-year change in net income	N/M	87.2% Excellent Excellent Year-over-year change in net income	87.2% Excellent Excellent Year-over-year change in net income	—	—	—	—	—	—	—
FCF Growth YoY (%)	—	98.6% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-57.6% Weak ↓ Weak Declining Year-over-year change in free cash flow	102.1% Excellent ↓ Excellent Declining Year-over-year change in free cash flow	—	-6.1% Weak ↓ Weak Declining Year-over-year change in free cash flow	619.3% Excellent Excellent Year-over-year change in free cash flow	131.1% Excellent Excellent Year-over-year change in free cash flow	—	N/M	N/M	201.1% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	—	-66.1% Weak ↓ Weak Declining Year-over-year change in free cash flow	87.0% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-94.6% Weak ↓ Weak Declining Year-over-year change in free cash flow	—	68.8% Excellent Excellent Year-over-year change in free cash flow	-129.9% Weak Weak Year-over-year change in free cash flow	N/M	—	-95.0% Weak Weak Year-over-year change in free cash flow	—	—	—	—	—	—	—	—
Revenue CAGR 3Y (%)	37.8% Excellent → Excellent Stable Compound annual revenue growth over 3 years	39.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	41.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	37.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	34.0% Excellent → Excellent Stable Compound annual revenue growth over 3 years	30.2% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	33.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	37.4% Excellent → Excellent Stable Compound annual revenue growth over 3 years	36.0% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	35.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	42.6% Excellent → Excellent Stable Compound annual revenue growth over 3 years	41.8% Excellent → Excellent Stable Compound annual revenue growth over 3 years	42.7% Excellent → Excellent Stable Compound annual revenue growth over 3 years	40.2% Excellent Excellent Compound annual revenue growth over 3 years	45.4% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	34.8% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	35.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	40.6% Excellent → Excellent Stable Compound annual revenue growth over 5 years	39.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	41.7% Excellent → Excellent Stable Compound annual revenue growth over 5 years	41.5% Excellent Excellent Compound annual revenue growth over 5 years	46.1% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q4 FY2026 Jun 30, 2026 10-K ↗	Q3 FY2026 Mar 31, 2026 10-Q ↗	Q2 FY2026 Dec 31, 2025 10-Q ↗	Q1 FY2026 Sep 30, 2025 10-Q ↗	Q4 FY2025 Jun 30, 2025 10-K ↗	Q3 FY2025 Mar 31, 2025 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Sep 30, 2024 10-Q ↗	Q4 FY2024 Jun 30, 2024 10-K ↗	Q3 FY2024 Mar 31, 2024 10-Q ↗	Q2 FY2024 Dec 31, 2023 10-Q ↗	Q1 FY2024 Sep 30, 2023 10-Q ↗	Q4 FY2023 Jun 30, 2023 10-K ↗	Q3 FY2023 Mar 31, 2023 10-Q ↗	Q2 FY2023 Dec 31, 2022 10-Q ↗	Q1 FY2023 Sep 30, 2022 10-Q ↗	Q4 FY2022 Jun 30, 2022 10-K ↗	Q3 FY2022 Mar 31, 2022 10-Q ↗	Q2 FY2022 Dec 31, 2021 10-Q ↗	Q1 FY2022 Sep 30, 2021 10-Q ↗	Q4 FY2021 Jun 30, 2021 10-K ↗	Q3 FY2021 Mar 31, 2021 10-Q ↗	Q2 FY2021 Dec 31, 2020 10-Q ↗	Q1 FY2021 Sep 30, 2020 10-Q ↗	Q4 FY2020 Jun 30, 2020 10-K ↗	Q3 FY2020 Mar 31, 2020 10-Q ↗	Q2 FY2020 Dec 31, 2019 10-Q ↗	Q1 FY2020 Sep 30, 2019 10-Q ↗	Q4 FY2019 Jun 30, 2019 10-K ↗	Q4 FY2018 Jun 30, 2018 10-K ↗
Operating Margin (%) (%)	12.6% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-49%)	8.5% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	10.5% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-58%)	6.8% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-73%)	6.6% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-73%)	-1.1% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-104%)	-0.5% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-102%)	-19.0% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-176%)	-11.1% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-145%)	-27.9% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-212%)	-29.1% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-216%)	-42.2% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-269%)	-54.7% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-319%)	-81.4% Weak → Weak Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-426%)	-90.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-460%)	-79.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-418%)	-76.1% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-405%)	-63.9% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-355%)	-54.3% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-317%)	-61.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-347%)	-43.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-275%)	-90.8% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-463%)	-13.1% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-152%)	-19.1% Weak → Weak Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-177%)	25.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	-58.9% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-336%)	-25.1% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-200%)	—	—	—
Effective Tax Rate (%) (%)	-856.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	4.2% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	2.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	2.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	3.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	47.5% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	3.0% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-1.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-2.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.4% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.6% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	8.9% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	1.9% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.3% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-2.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.3% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.1% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.3% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—
Profit Margin (%) (%)	—	7.8% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-65%)	7.2% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-67%)	8.6% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-61%)	7.9% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	-12.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-158%)	-11.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-153%)	-14.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-165%)	-6.8% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-131%)	-29.8% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-236%)	-29.1% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-232%)	-34.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-257%)	-46.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-310%)	-66.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-400%)	-62.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-386%)	-69.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-416%)	-51.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-333%)	-86.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-493%)	-84.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-486%)	-113.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-617%)	-47.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-314%)	-1.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-108%)	-1.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-109%)	-2.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-110%)	22.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	-22.3% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-201%)	-23.7% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-208%)	—	—	—
FCF Margin (%) (%)	19.7% Good ↓ Good Declining Free cash flow as a percentage of revenue Optimal: > 10%	31.3% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	10.5% Fair ↓ Fair Declining Free cash flow as a percentage of revenue Optimal: > 10%	34.3% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	2.7% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	20.1% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	30.9% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	21.9% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	4.6% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	28.1% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	6.0% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	12.7% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	4.2% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-22.3% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-15.7% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	5.5% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	-23.7% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-13.8% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-128.0% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	129.5% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	-10.6% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-55.8% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-24.8% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-3.7% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-20.1% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	-9.7% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—	—
FCF / Net Income (x)	0.14x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	4.03x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.46x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	3.97x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	0.34x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-1.57x Weak → Weak Stable Free cash flow relative to reported net income Optimal: > 1x	-2.68x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-1.52x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.68x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.94x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.21x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.37x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.09x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.34x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	0.25x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-0.08x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.46x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	0.16x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.51x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	-1.14x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.22x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	32.59x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	12.81x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.64x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-0.88x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	0.44x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	—	—

🎯 Is capital allocation efficient? 3 metrics

Metric	Q4 FY2026 Jun 30, 2026 10-K ↗	Q3 FY2026 Mar 31, 2026 10-Q ↗	Q2 FY2026 Dec 31, 2025 10-Q ↗	Q1 FY2026 Sep 30, 2025 10-Q ↗	Q4 FY2025 Jun 30, 2025 10-K ↗	Q3 FY2025 Mar 31, 2025 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Sep 30, 2024 10-Q ↗	Q4 FY2024 Jun 30, 2024 10-K ↗	Q3 FY2024 Mar 31, 2024 10-Q ↗	Q2 FY2024 Dec 31, 2023 10-Q ↗	Q1 FY2024 Sep 30, 2023 10-Q ↗	Q4 FY2023 Jun 30, 2023 10-K ↗	Q3 FY2023 Mar 31, 2023 10-Q ↗	Q2 FY2023 Dec 31, 2022 10-Q ↗	Q1 FY2023 Sep 30, 2022 10-Q ↗	Q4 FY2022 Jun 30, 2022 10-K ↗	Q3 FY2022 Mar 31, 2022 10-Q ↗	Q2 FY2022 Dec 31, 2021 10-Q ↗	Q1 FY2022 Sep 30, 2021 10-Q ↗	Q4 FY2021 Jun 30, 2021 10-K ↗	Q3 FY2021 Mar 31, 2021 10-Q ↗	Q2 FY2021 Dec 31, 2020 10-Q ↗	Q1 FY2021 Sep 30, 2020 10-Q ↗	Q4 FY2020 Jun 30, 2020 10-K ↗	Q3 FY2020 Mar 31, 2020 10-Q ↗	Q2 FY2020 Dec 31, 2019 10-Q ↗	Q1 FY2020 Sep 30, 2019 10-Q ↗	Q4 FY2019 Jun 30, 2019 10-K ↗	Q4 FY2018 Jun 30, 2018 10-K ↗
Return on Invested Capital (%)	9.2% Fair ↑ Fair Improving Return earned on debt + equity capital invested Optimal: > 10%	0.7% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	0.9% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	0.6% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	1.8% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-0.2% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-0.2% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-4.8% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-2.7% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-6.2% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-6.5% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-8.2% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-9.6% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-12.3% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-14.3% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-11.2% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-9.7% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-8.8% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-8.0% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-7.0% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-4.3% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-8.7% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	7.8% Fair ↑ Fair Improving Return earned on debt + equity capital invested Optimal: > 10%	9.8% Fair ↑ Fair Improving Return earned on debt + equity capital invested Optimal: > 10%	-10.7% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	19.7% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	9.7% Fair Fair Return earned on debt + equity capital invested Optimal: > 10%	—	—	—
Return on Capital (%) (%)	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	-1.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	-2.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	-4.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	-3.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—	—	—	—	—	—
Return on Common Equity (%) (%)	29.5% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+146%)	2.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	2.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-81%)	2.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	2.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-81%)	-3.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-129%)	-3.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-130%)	-3.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-129%)	-1.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-114%)	-6.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-155%)	-6.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-154%)	-6.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-156%)	-8.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-168%)	-10.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-183%)	-10.0% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-183%)	-9.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-182%)	-7.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-159%)	-11.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-199%)	-12.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-204%)	-12.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-207%)	-4.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-140%)	-0.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-101%)	1.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-90%)	1.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-91%)	-9.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-179%)	7.4% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	9.1% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q4 FY2026 Jun 30, 2026 10-K ↗	Q3 FY2026 Mar 31, 2026 10-Q ↗	Q2 FY2026 Dec 31, 2025 10-Q ↗	Q1 FY2026 Sep 30, 2025 10-Q ↗	Q4 FY2025 Jun 30, 2025 10-K ↗	Q3 FY2025 Mar 31, 2025 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Sep 30, 2024 10-Q ↗	Q4 FY2024 Jun 30, 2024 10-K ↗	Q3 FY2024 Mar 31, 2024 10-Q ↗	Q2 FY2024 Dec 31, 2023 10-Q ↗	Q1 FY2024 Sep 30, 2023 10-Q ↗	Q4 FY2023 Jun 30, 2023 10-K ↗	Q3 FY2023 Mar 31, 2023 10-Q ↗	Q2 FY2023 Dec 31, 2022 10-Q ↗	Q1 FY2023 Sep 30, 2022 10-Q ↗	Q4 FY2022 Jun 30, 2022 10-K ↗	Q3 FY2022 Mar 31, 2022 10-Q ↗	Q2 FY2022 Dec 31, 2021 10-Q ↗	Q1 FY2022 Sep 30, 2021 10-Q ↗	Q4 FY2021 Jun 30, 2021 10-K ↗	Q3 FY2021 Mar 31, 2021 10-Q ↗	Q2 FY2021 Dec 31, 2020 10-Q ↗	Q1 FY2021 Sep 30, 2020 10-Q ↗	Q4 FY2020 Jun 30, 2020 10-K ↗	Q3 FY2020 Mar 31, 2020 10-Q ↗	Q2 FY2020 Dec 31, 2019 10-Q ↗	Q1 FY2020 Sep 30, 2019 10-Q ↗	Q4 FY2019 Jun 30, 2019 10-K ↗	Q4 FY2018 Jun 30, 2018 10-K ↗
Debt to Equity (x)	1.79x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+49%)	2.35x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+95%)	2.54x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+112%)	2.35x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+95%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Interest Coverage (x)	1.24x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	0.78x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	1.05x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	0.58x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	0.55x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-0.08x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-0.04x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-1.27x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-0.77x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-1.78x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-2.03x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-2.83x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-3.87x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-6.06x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-8.22x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-11.47x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-14.28x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-14.32x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-11.08x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-9.91x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-7.31x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-14.28x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-2.22x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-3.22x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	5.03x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	-9.93x Weak Weak Operating income divided by interest expense Optimal: > 5x	-4.00x Weak Weak Operating income divided by interest expense Optimal: > 5x	—	—	—
Net Debt (USD)	$8.16B	$7.15B	$7.48B	$6.31B	$-1.35B	$-1.35B	$-1.20B	$-1.05B	$-1.01B	$-1.27B	$-1.04B	$-1.08B	$-892.03M	$-972.48M	$-1.44B	$-1.53B	$-1.26B	$-2.26B	$-2.57B	$-1.44B	$-1.47B	$-1.62B	—	—	$-267.06M	—	—	—	—	—
Debt / EBITDA (x)	41.75x Weak ↓ Weak Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	54.28x Weak → Weak Stable Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	46.63x Weak Weak Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	59.98x Weak Weak Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

📊 What does each share earn? 6 metrics

Metric	Q4 FY2026 Jun 30, 2026 10-K ↗	Q3 FY2026 Mar 31, 2026 10-Q ↗	Q2 FY2026 Dec 31, 2025 10-Q ↗	Q1 FY2026 Sep 30, 2025 10-Q ↗	Q4 FY2025 Jun 30, 2025 10-K ↗	Q3 FY2025 Mar 31, 2025 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Sep 30, 2024 10-Q ↗	Q4 FY2024 Jun 30, 2024 10-K ↗	Q3 FY2024 Mar 31, 2024 10-Q ↗	Q2 FY2024 Dec 31, 2023 10-Q ↗	Q1 FY2024 Sep 30, 2023 10-Q ↗	Q4 FY2023 Jun 30, 2023 10-K ↗	Q3 FY2023 Mar 31, 2023 10-Q ↗	Q2 FY2023 Dec 31, 2022 10-Q ↗	Q1 FY2023 Sep 30, 2022 10-Q ↗	Q4 FY2022 Jun 30, 2022 10-K ↗	Q3 FY2022 Mar 31, 2022 10-Q ↗	Q2 FY2022 Dec 31, 2021 10-Q ↗	Q1 FY2022 Sep 30, 2021 10-Q ↗	Q4 FY2021 Jun 30, 2021 10-K ↗	Q3 FY2021 Mar 31, 2021 10-Q ↗	Q2 FY2021 Dec 31, 2020 10-Q ↗	Q1 FY2021 Sep 30, 2020 10-Q ↗	Q4 FY2020 Jun 30, 2020 10-K ↗	Q3 FY2020 Mar 31, 2020 10-Q ↗	Q2 FY2020 Dec 31, 2019 10-Q ↗	Q1 FY2020 Sep 30, 2019 10-Q ↗	Q4 FY2019 Jun 30, 2019 10-K ↗	Q4 FY2018 Jun 30, 2018 10-K ↗
Revenue per Share (USD)	—	$3.08	$3.36	$2.83	—	$2.42	$2.69	$2.19	—	$1.84	$1.92	$1.63	—	$1.28	$1.36	$1.24	—	$1.24	$1.28	$0.99	—	$0.99	$2.88	$2.69	—	$2.91	$2.70	—	—	—
Basic EPS, GAAP (USD)	$4.82	$0.31	$0.39	$0.24	$0.21	$0.01	$0.25	$-0.31	$-0.14	$-0.43	$-0.54	$-0.57	$-0.69	$-0.69	$-1.10	$-0.86	$-0.65	$-0.19	$-0.57	$-1.13	$-0.18	$-1.23	$-0.38	$-0.06	$0.72	$-1.80	$-0.92	—	—	—
Free Cash Flow per Share (USD)	—	$0.96	$0.35	$0.97	—	$0.49	$0.83	$0.48	—	$0.52	$0.12	$0.21	—	$-0.29	$-0.21	$0.07	—	$-0.17	$-1.64	$1.28	—	$-0.55	$-0.71	$-0.10	—	$-0.28	—	—	—	—
Book Value per Share (USD)	—	$11.22	$10.61	$9.99	—	$8.87	$8.64	$8.91	—	$8.39	$8.57	$8.45	—	$8.45	$8.55	$8.81	—	$9.02	$8.77	$8.75	—	$10.31	$-4.85	$-5.35	—	$-8.75	$-7.01	—	—	—
Tangible Book Value per Share (USD)	—	$9.57	$8.98	$8.35	—	$8.87	$8.64	$7.18	—	$8.39	$8.57	$6.62	—	$8.45	$8.55	$6.76	—	$9.02	$8.77	$6.50	—	$10.31	$-4.85	$-5.35	—	$-8.75	$-7.01	—	—	—
Basic Weighted Avg Shares (shares)	—	337.14M	334.27M	330.24M	—	324.05M	322.28M	318.23M	—	312.63M	307.57M	303.84M	—	297.20M	293.68M	290.93M	—	285.64M	281.53M	271.68M	—	233.31M	70.80M	64.78M	—	47.44M	48.08M	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	Q4 FY2026 Jun 30, 2026 10-K ↗	Q3 FY2026 Mar 31, 2026 10-Q ↗	Q2 FY2026 Dec 31, 2025 10-Q ↗	Q1 FY2026 Sep 30, 2025 10-Q ↗	Q4 FY2025 Jun 30, 2025 10-K ↗	Q3 FY2025 Mar 31, 2025 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Sep 30, 2024 10-Q ↗	Q4 FY2024 Jun 30, 2024 10-K ↗	Q3 FY2024 Mar 31, 2024 10-Q ↗	Q2 FY2024 Dec 31, 2023 10-Q ↗	Q1 FY2024 Sep 30, 2023 10-Q ↗	Q4 FY2023 Jun 30, 2023 10-K ↗	Q3 FY2023 Mar 31, 2023 10-Q ↗	Q2 FY2023 Dec 31, 2022 10-Q ↗	Q1 FY2023 Sep 30, 2022 10-Q ↗	Q4 FY2022 Jun 30, 2022 10-K ↗	Q3 FY2022 Mar 31, 2022 10-Q ↗	Q2 FY2022 Dec 31, 2021 10-Q ↗	Q1 FY2022 Sep 30, 2021 10-Q ↗	Q4 FY2021 Jun 30, 2021 10-K ↗	Q3 FY2021 Mar 31, 2021 10-Q ↗	Q2 FY2021 Dec 31, 2020 10-Q ↗	Q1 FY2021 Sep 30, 2020 10-Q ↗	Q4 FY2020 Jun 30, 2020 10-K ↗	Q3 FY2020 Mar 31, 2020 10-Q ↗	Q2 FY2020 Dec 31, 2019 10-Q ↗	Q1 FY2020 Sep 30, 2019 10-Q ↗	Q4 FY2019 Jun 30, 2019 10-K ↗	Q4 FY2018 Jun 30, 2018 10-K ↗
LT Debt (USD)	$9.79B	$8.87B	$9.01B	$7.74B	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$5.48B	$3.78B	$3.55B	$3.30B	$3.07B	$2.87B	$2.79B	$2.84B	$2.73B	$2.62B	$2.63B	$2.57B	$2.53B	$2.51B	$2.51B	$2.56B	$2.62B	$2.58B	$2.47B	$2.38B	$2.58B	$2.41B	$-343.31M	$-346.76M	$-367.10M	$-415.04M	$-337.16M	$-284.98M	$-263.41M	$-169.27M

📋 What is driving earnings? 4 metrics

Metric	Q4 FY2026 Jun 30, 2026 10-K ↗	Q3 FY2026 Mar 31, 2026 10-Q ↗	Q2 FY2026 Dec 31, 2025 10-Q ↗	Q1 FY2026 Sep 30, 2025 10-Q ↗	Q4 FY2025 Jun 30, 2025 10-K ↗	Q3 FY2025 Mar 31, 2025 10-Q ↗	Q2 FY2025 Dec 31, 2024 10-Q ↗	Q1 FY2025 Sep 30, 2024 10-Q ↗	Q4 FY2024 Jun 30, 2024 10-K ↗	Q3 FY2024 Mar 31, 2024 10-Q ↗	Q2 FY2024 Dec 31, 2023 10-Q ↗	Q1 FY2024 Sep 30, 2023 10-Q ↗	Q4 FY2023 Jun 30, 2023 10-K ↗	Q3 FY2023 Mar 31, 2023 10-Q ↗	Q2 FY2023 Dec 31, 2022 10-Q ↗	Q1 FY2023 Sep 30, 2022 10-Q ↗	Q4 FY2022 Jun 30, 2022 10-K ↗	Q3 FY2022 Mar 31, 2022 10-Q ↗	Q2 FY2022 Dec 31, 2021 10-Q ↗	Q1 FY2022 Sep 30, 2021 10-Q ↗	Q4 FY2021 Jun 30, 2021 10-K ↗	Q3 FY2021 Mar 31, 2021 10-Q ↗	Q2 FY2021 Dec 31, 2020 10-Q ↗	Q1 FY2021 Sep 30, 2020 10-Q ↗	Q4 FY2020 Jun 30, 2020 10-K ↗	Q3 FY2020 Mar 31, 2020 10-Q ↗	Q2 FY2020 Dec 31, 2019 10-Q ↗	Q1 FY2020 Sep 30, 2019 10-Q ↗	Q4 FY2019 Jun 30, 2019 10-K ↗	Q4 FY2018 Jun 30, 2018 10-K ↗
Sales/Revenue/Turnover (USD)	$1.17B	$1.04B	$1.12B	$933.34M	$876.42M	$783.13M	$866.38M	$698.48M	$659.18M	$576.16M	$591.11M	$496.55M	$445.82M	$380.98M	$399.56M	$361.62M	$364.13M	$354.76M	$361.01M	$269.38M	$261.78M	$230.66M	$204.04M	$173.98M	$153.33M	$138.27M	$129.98M	—	—	—
Depreciation Expense (USD)	$87.35M	$75.06M	$75.59M	$65.33M	$63.99M	$59.47M	$54.89M	$46.72M	$65.39M	$37.01M	$26.51M	$40.13M	$43.28M	$47.47M	$23.00M	$20.88M	$17.11M	$13.10M	$11.96M	$10.54M	$7.89M	$5.02M	$3.35M	$3.72M	$2.02M	$2.88M	—	—	—	—
Net Income, GAAP (USD)	$1.62B	$80.69M	$80.69M	$80.69M	$69.24M	$-100.22M	$-100.22M	$-100.22M	$-45.14M	$-171.78M	$-171.78M	$-171.78M	$-205.96M	$-251.27M	$-251.27M	$-251.27M	$-186.40M	$-306.62M	$-306.62M	$-306.62M	$-123.42M	$-3.95M	$-3.95M	$-3.95M	$34.81M	$-30.80M	$-30.80M	—	—	—
Operating Cash Flow (USD)	$296.16M	$386.50M	$173.74M	$374.57M	$74.64M	$210.39M	$312.02M	$196.87M	$68.76M	$208.15M	$74.32M	$98.90M	$43.79M	$-54.27M	$-28.55M	$51.22M	$-59.11M	$-27.98M	$-440.25M	$365.15M	$-19.91M	$-123.26M	$-47.66M	$-2.30M	$-28.45M	$-8.21M	—	—	—	—

Affirm Holdings, Inc.

Analytical Summary

30-Year Financial Trajectory

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