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AFRM
Affirm Holdings Inc.Stock · Finance
$78.28+$4.88 (+6.65%)as of market close, Aug 13, 2026
☾ After hours:$78.32+0.00%3:59 PM ET
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How Affirm makes money

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How does Affirm make money? This Sankey traces every dollar of revenue through the income statement — into cost of revenue, R&D, SG&A, and taxes — and shows what's left as profit. Pick any fiscal year, recent quarter, or the trailing twelve months. Straight from SEC filings.

Affirm Holdings Inc. · FY2025 · year ended 2025-06-30
Revenue$3.2BGross profit$3.2B · 100%Cost of revenue$0 · 0%Operating income$0 · 0%Operating expenses$3.2B · 100%SG&A$545M · 17%Selling & marketing$435M · 13%Other opex$2.2B · 70%Pre-tax income$61M · 2%Other income$61M · 2%Net income$52M · 2%Income tax$0 · 0%

Each fiscal year from SEC filings. Percentages are share of revenue, so the green profit nodes read directly as gross / operating / net margin. Line items a company doesn't break out are derived from their siblings so the flows balance; small residuals show as “Other.” For informational purposes only.