AFRM Stock Cash Flow Statements

Affirm Quarterly Cash Flow Statements Chart

Quarterly

Annual

Stock-Based Compensation

Operating Cash Flow

Investing Cash Flow

Financing Cash Flow

Free Cash Flow

Affirm Quarterly Cash Flow Statements Table

Quarterly

Annual

Unit: USD	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31

cash flows from operating activities
net income	69,244,000	2,804,000	80,360,000	-100,222,000	-45,136,000	-133,936,000	-166,902,000	-171,783,000	-205,962,000	-205,677,000	-322,437,000	-251,269,000	-186,396,000	-54,671,000	-159,735,000	-306,615,000	-153,208,000	-230,883,000
adjustments to reconcile net income to net cash from operating activities:
benefit from losses	156,627,000	147,252,000	152,980,000	159,824,000
amortization of premiums and discounts on loans	-61,972,000	-60,530,000	-59,233,000	-52,064,000	-50,026,000	-49,704,000	-46,841,000	-41,138,000	-37,607,000	-34,615,000	-34,258,000	-34,595,000	-42,251,000	-42,036,000	-51,970,000	-35,708,000	-29,666,000	-29,252,000
gain on sales of loans	-116,883,000	-75,839,000	-125,287,000	-63,613,000	-69,983,000	-40,183,000	-52,702,000	-34,285,000	-32,326,000	-32,813,000	-59,607,000	-63,595,000	-55,282,000	-52,484,000	-57,690,000	-30,979,000		-16,350,000
gain on extinguishment of debt	0	0	-62,794,000	-19,624,000	-7,279,000
changes in fair value of assets and liabilities	1,690,000	834,000	2,954,000	1,668,000	869,000	1,267,000	-802,000	-4,110,000	-5,866,000	1,018,000	-14,941,000	3,906,000	-62,968,000	-143,721,000	-34,984,000	139,884,000
amortization of commercial agreement assets	7,968,000	10,913,000	14,255,000	14,256,000	14,101,000	15,855,000	21,557,000	21,557,000	21,322,000	21,088,000	21,557,000	21,557,000	23,933,000	28,919,000	24,914,000	18,971,000	19,006,000
amortization of debt issuance costs	7,091,000	10,308,000	6,907,000	6,083,000	5,658,000	6,130,000	7,224,000	5,534,000	7,337,000	11,446,000	676,000	1,076,000	2,937,000	3,647,000	4,337,000	5,231,000	2,741,000	1,314,000
amortization of discount on securities available for sale	-9,849,000	-7,564,000	-10,821,000	-15,797,000	9,481,000	-9,158,000	-11,002,000	-12,120,000	-12,349,000	-8,788,000	-7,303,000	-7,620,000	1,224,000
commercial agreement warrant expense	41,460,000	36,063,000	86,776,000	107,263,000	100,126,000	95,973,000	114,705,000	95,910,000	91,216,000	93,922,000	128,053,000	108,743,000	97,656,000	92,169,000
stock-based compensation	65,495,000	75,607,000	86,098,000	94,233,000	64,913,000	77,075,000	90,164,000	112,359,000	103,337,000	106,789,000	121,775,000	119,808,000	110,870,000	98,387,000	88,537,000	93,189,000	135,562,000	139,747,000
depreciation and amortization	63,995,000	59,467,000	54,894,000	46,720,000	65,389,000	37,012,000	26,512,000	40,131,000	43,279,000	47,469,000	23,004,000	20,882,000	17,115,000	13,102,000	11,964,000	10,541,000	7,887,000	5,021,000
impairment of right of use assets								752,000									403,000
other	3,723,000	12,131,000	58,000	-2,209,000	-47,505,000	6,514,000	20,390,000	-4,730,000	-9,119,000	-842,000	-917,000	2,053,000	-67,429,000	-527,000	-9,200,000	4,002,000	2,775,000	113,000
change in operating assets and liabilities:
purchases and origination of loans held for sale	-338,211,000	-789,323,000	-1,043,397,000	-1,219,022,000
proceeds from the sale of loans held for sale	338,187,000	789,362,000	1,043,380,000	1,219,061,000	1,048,639,000	900,864,000	1,034,074,000	1,228,110,000	1,336,197,000	1,409,577,000	1,720,835,000	1,707,838,000	1,713,116,000	1,261,160,000	1,719,179,000	888,580,000	995,281,000	597,881,000
accounts receivable	-208,849,000	-19,884,000	102,664,000	41,117,000	-61,991,000	10,721,000	-74,279,000	-42,208,000	-65,906,000	61,632,000	-56,767,000	-6,649,000	-20,233,000	5,650,000	-36,041,000	-12,076,000	-16,473,000	2,619,000
other assets	5,817,000	9,429,000	-20,588,000	-6,833,000	-26,953,000	99,850,000	-29,103,000	-12,566,000	-11,174,000	10,435,000	-10,727,000	-3,000,000	-43,039,000	-37,404,000	-12,664,000	78,086,000	-341,000	-191,892,000
accounts payable	41,762,000	-9,568,000	-6,936,000	16,543,000	5,795,000	-24,581,000	32,460,000	-1,257,000	-1,420,000	480,000	-5,560,000	1,462,000	-15,913,000	3,396,000	-380,265,000	368,096,000	28,159,000	-3,798,000
payable to third-party loan buyers	34,703,000	19,751,000	5,210,000	-7,608,000
accrued interest payable	2,769,000	-2,277,000	1,048,000	846,000	1,525,000	650,000	2,699,000	6,264,000	-113,000	2,125,000	6,981,000	-1,078,000	3,667,000	371,000	-684,000	553,000	-1,140,000	736,000
accrued expenses and other liabilities	-30,130,000	1,453,000	3,489,000	-23,755,000	-11,203,000	-6,971,000	-16,359,000	-20,636,000	7,123,000	-34,888,000	-13,631,000	3,231,000	38,745,000	19,677,000	20,716,000	-11,848,000	-8,977,000	111,800,000
net cash from operating activities	74,637,000	210,388,000	312,017,000	196,867,000	68,763,000	208,152,000	74,321,000	98,902,000	43,789,000	-54,275,000	-28,548,000	51,215,000	-59,109,000	-27,981,000	-440,254,000	365,150,000	-19,913,000	-123,258,000
capex	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
free cash flows	74,637,000	210,388,000	312,017,000	196,867,000	68,763,000	208,152,000	74,321,000	98,902,000	43,789,000	-54,275,000	-28,548,000	51,215,000	-59,109,000	-27,981,000	-440,254,000	365,150,000	-19,913,000	-123,258,000
cash flows from investing activities
purchases and origination of loans held for investment	-9,817,626,000	-7,676,063,000	-8,663,556,000	-6,388,350,000	-5,931,339,000	-5,223,719,000	-6,103,822,000	-4,229,667,000	-3,963,962,000	-3,086,832,000	-3,790,632,000	-2,744,825,000	-2,832,724,000	-2,876,978,000	-2,804,888,000	-1,847,458,000
proceeds from the sale of loans held for investment	4,449,448,000	2,858,471,000	3,633,664,000	1,630,671,000	1,878,780,000	1,203,078,000	2,077,703,000	899,238,000	488,607,000	390,907,000	376,274,000	326,713,000	568,266,000	550,065,000	585,237,000	195,039,000
principal repayments and other loan servicing activity	5,005,990,000	4,988,174,000	4,528,811,000	4,132,682,000	3,832,744,000	3,777,977,000	3,351,462,000	3,184,851,000	2,828,884,000	2,570,743,000	2,422,100,000	2,206,725,000	2,254,000,000	2,304,460,000	2,077,024,000	1,486,099,000
acquisition, net of cash and restricted cash acquired									0				0	0	0	-5,999,000
additions to property, equipment and software	-51,120,000	-53,012,000	-43,905,000	-44,152,000	-38,256,000	-46,476,000	-38,747,000	-35,817,000	-24,858,000	-30,516,000	-34,250,000	-31,151,000	-27,036,000	-21,095,000	-21,812,000	-16,347,000	-7,838,000	-5,351,000
purchases of securities available for sale	-270,291,000	-368,710,000	-48,158,000	-136,727,000	-524,829,000	-267,920,000	-96,509,000	-96,813,000	-515,886,000	-460,632,000	-1,000,000	-104,629,000	-1,071,333,000	-258,323,000	-68,164,000	-443,560,000
proceeds from maturities and repayments of securities available for sale	231,390,000	263,817,000	504,890,000	215,680,000	245,062,000	409,846,000	219,736,000	262,293,000	409,710,000	329,636,000	333,657,000	464,492,000	119,181,000	132,728,000	58,237,000	889,000
other investing inflows
other investing outflows
net cash from investing activities	-454,514,000	35,517,000	-89,068,000	-574,999,000	-537,633,000	-146,755,000	-624,902,000	-15,859,000	-777,174,000	-300,958,000	-692,211,000	117,273,000	-1,025,717,000	-166,048,000	-190,063,000	-629,510,000	84,345,000	-199,668,000
cash flows from financing activities
proceeds from the issuance of convertible notes	0	0
proceeds from the issuance of funding debt	7,150,247,000	6,130,641,000
proceeds from issuance of notes and certificates by securitization trust	750,000,000	1,000,000,000	0	750,000,000
principal repayments of funding debt	-7,455,067,000	-6,383,990,000	-4,259,168,000	-3,289,384,000	-3,588,105,000	-2,673,508,000	-3,352,650,000	-2,938,674,000	-1,606,421,000	-2,048,075,000	-1,087,428,000	-1,059,607,000	-1,517,686,000	-1,045,308,000	-653,790,000	-873,778,000	-609,404,000	-1,011,197,000
principal repayments of notes issued by securitization trust	0
payment of debt issuance costs	-6,474,000	-19,689,000	-18,749,000	-4,321,000	-8,114,000	-2,908,000	-5,790,000	-10,490,000	-5,036,000	-12,634,000	2,650,000	-7,423,000	-5,597,000	-3,000	-1,542,000	-6,609,000	-1,233,000	-4,479,000
extinguishment of convertible debt	0	0	-892,800,000	-120,056,000	-38,001,000				116,726,000
proceeds from exercise of common stock options and warrants and contributions to espp	10,777,000	10,527,000	35,792,000	3,596,000	6,804,000	1,154,000	21,556,000	3,611,000	6,859,000	663,000	7,233,000	1,013,000	6,174,000	8,171,000
payments of tax withholding for stock-based compensation	-62,225,000	-83,043,000	-95,335,000	-63,208,000	-40,983,000	-72,512,000	-39,159,000	-36,515,000	-10,356,000	-18,169,000	-18,009,000	-27,311,000	-18,236,000	-54,162,000	-72,963,000	-39,817,000	-30,714,000
repurchases of common stock									0	0	0	-109,000	-2,000	-80,000	0	-4,000	-14,000	-3,000
net cash from financing activities	387,259,000	-245,555,000	144,096,000	465,625,000	145,969,000	112,029,000	506,345,000	148,806,000	609,549,000	-128,959,000	669,813,000	199,542,000	-28,881,000	55,787,000	1,766,260,000	243,953,000	-176,129,000	1,488,628,000
effect of exchange rate changes on cash, cash equivalents and restricted cash	13,083,000	-1,548,000	-14,510,000	1,730,000	-1,391,000	-1,713,000	3,722,000	-3,301,000	2,288,000	891,000	2,201,000	-5,299,000	-11,051,000	-996,000	3,047,000	3,588,000	-2,673,000
net increase in cash, cash equivalents and restricted cash	20,464,000	-1,198,000	352,535,000	89,223,000	-324,292,000	171,713,000	-40,514,000	228,548,000	-121,548,000	-483,301,000	-48,745,000	362,731,000	-1,124,758,000
cash, cash equivalents and restricted cash, beginning of period	0	0	0	1,295,399,000	0	0	0	1,259,944,000	0	0	0	1,550,807,000	0
cash, cash equivalents and restricted cash, end of period	20,464,000	-1,198,000	352,535,000	1,384,622,000	-324,292,000	171,713,000	-40,514,000	1,488,492,000	-121,548,000	-483,301,000	-48,745,000	1,913,538,000	-1,124,758,000
other investing cash inflows/					205,000	459,000	-34,725,000	56,000
repurchase of common stock		0
other investing cash inflows			-814,000	15,197,000						1,787,000	1,640,000	-52,000	25,086,000	-20,647,000	5,045,000	4,827,000
proceeds from funding debt				3,188,998,000	3,814,368,000	2,385,363,000	3,543,462,000	2,896,251,000	1,846,168,000	1,681,074,000	2,173,968,000	1,193,761,000	1,324,889,000	1,278,571,000	815,568,000	682,106,000	528,349,000	880,526,000
purchases of intangible assets
proceeds from issuance of convertible debt													0	0
benefit from credit losses						122,443,000	120,880,000	99,696,000	94,483,000	66,438,000	106,689,000	64,250,000	72,691,000	66,294,000	52,640,000	63,647,000	25,489,000	-17,346,000
purchases of loans held for sale						-891,473,000	-1,022,671,000	-1,222,224,000	-1,289,572,000	-1,396,039,000	-1,668,537,000	-1,655,213,000	-1,683,335,000	-1,255,325,000	-1,717,216,000	-896,786,000	-1,000,062,000	-606,757,000
payable to third-party loan owners						-4,837,000	25,069,000	55,646,000	9,665,000	-83,191,000	36,567,000	19,428,000	35,421,000	-35,553,000	33,054,000	-11,618,000	13,556,000	3,480,000
proceeds from issuance of notes and residual trust certificates by securitization trusts						500,000,000	351,828,000	750,000,000	400,000,000	500,000,000	69,000	249,931,000	499,900,000	-146,000	-149,000	499,789,000		499,774,000
principal repayments of notes issued by securitization trusts						0	-12,902,000	-515,377,000	-21,665,000	-25,251,000	-408,670,000	-150,713,000	-318,323,000	-131,256,000	-47,263,000	-55,204,000	-65,865,000	-74,113,000
proceeds from initial public offering																	-125,000
proceeds from issuance of redeemable convertible preferred stock																	0	0
repurchases and conversion of redeemable convertible preferred stock
other investing cash outflows															-20,742,000	-3,000,000
repurchase and conversion of redeemable convertible preferred stock
acquisition of commercial agreement assets
conversion of redeemable convertible preferred stock
net increase in cash and cash equivalents and restricted cash															1,138,990,000	-16,819,000	-114,370,000	1,170,212,000
cash and cash equivalents and restricted cash, beginning of period															0	1,692,632,000	0	0
cash and cash equivalents and restricted cash, end of period															1,138,990,000	1,675,813,000	-114,370,000	1,170,212,000
proceeds from exercise of common stock options and warrants																37,470,000	3,227,000
(gain) loss on sales of loans
purchases and originations of loans held for investment
acquisitions, net of cash and restricted cash acquired
purchases of intangibles
proceeds from issuance of notes by securitization trusts
changes in fair value of servicing assets and liabilities																		-2,545,000
changes in fair value and extinguishment of convertible debt derivative																		0
change in fair value of residual trust certificates																		-76,000
change in fair value of contingent consideration
income tax expense																		-70,000
loss on disposal of property, equipment and software
purchases of loans held for investment																		-1,425,140,000
origination of loans																		-196,906,000
proceeds from the sale of loans																		143,235,000
principal repayments of loans																		1,301,542,000
repurchases of redeemable convertible preferred stock
supplemental disclosures of cash flow information
cash payments for interest																		11,859,000
cash paid for income taxes
cash paid for operating leases
supplemental disclosures of non-cash investing and financing activities
stock-based compensation included in capitalized internal-use software																		6,567,000
additions to property and equipment included in accrued expenses																		0
issuance of warrants in exchange for commercial agreement																		202,934,000
conversion of convertible debt																		0
issuance of common stock in connection with acquisition
right of use assets obtained in exchange for operating lease liabilities
amortization of commercial agreement asset
acquisition funds in transit
proceeds from issuance of common stock

We provide you with 20 years of cash flow statements for Affirm stock, allowing you to gain comprehensive visibility into the fundamentals of the company. Our detailed breakdowns include key financial metrics such as operating cash flows, cash levels, capital expenditures, profits, stock-based compensations and profit margins. This in-depth information is essential for making informed investment decisions and understanding the financial health and performance of Affirm stock. Explore the full financial landscape of Affirm stock with our expertly curated income statements.

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