Complete Filing Data
Affirm Holdings, Inc. reported Stockholders Equity of $2.53 billion for FY2023.
All values from 10-K, 20-F, and 10-Q filings on SEC EDGAR, organized by financial statement. Scroll each table horizontally for the full history. Blank cells mean Affirm Holdings, Inc. did not report that metric for that period in XBRL — often because accounting standards changed which tag a company files under (for example, most companies moved revenue to the ASC-606 tag in 2018), so a metric may continue in a different row. Rows marked * merge those successor tags into one continuous series, preferring the audited value from the newest-standard tag where periods overlap.
Income Statement
Annual (10-K / 20-F)
| Metric \ Fiscal Year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| Revenue * | $1.11B | $826.0M | $626.9M | $559.2M | $429.4M | $276.1M | $140.3M |
| Other Comprehensive Income Foreign Currency Transaction And Translation Adjustment Net Of Tax Portion Attributable To Parent | $6.0M | -$13.7M | -$8.1M | -$5.9M | $7.0M | -$302.0K | $0.00 |
| Net Income Loss | $52.2M | -$517.8M | -$985.3M | -$707.4M | -$441.0M | -$112.6M | -$120.5M |
| Selling And Marketing Expense | $434.8M | $576.4M | $638.3M | $532.3M | $182.2M | $25.0M | $16.9M |
| Other Nonoperating Income Expense | $148.7M | $100.3M | $211.6M | $141.2M | -$59.7M | -$4.4M | $7.0M |
| Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent | $6.5M | -$6.1M | -$8.3M | -$13.9M | $7.1M | -$302.0K | $0.00 |
| Operating Income Loss | -$87.3M | -$615.8M | -$1.20B | -$866.0M | -$383.7M | -$107.8M | -$127.4M |
| Interest Expense Debt | $425.5M | $344.3M | $183.0M | $69.7M | $52.7M | $32.3M | $25.9M |
| Income Tax Expense Benefit | $9.3M | $2.2M | -$3.9M | -$17.4M | -$2.3M | $376.0K | $36.0K |
| Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest | $61.5M | -$515.5M | -$989.2M | -$724.8M | -$443.4M | -$112.2M | -$120.4M |
| General And Administrative Expense | $545.1M | $525.3M | $586.4M | $577.5M | $383.7M | $121.2M | $88.9M |
| Comprehensive Income Net Of Tax | $58.7M | -$523.9M | -$993.6M | -$721.3M | -$434.0M | -$112.9M | -$120.5M |
| Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax | $3.3M | $6.9M | -$882.0K | -$8.0M | $29.0K | $0.00 | |
| Other Comprehensive Income Availableforsale Securities Adjustment Net Of Tax Portion Attributable To Parent | $6.9M | -$882.0K | -$8.0M | $29.0K | $0.00 | $0.00 | |
| Income Taxes Paid | $2.7M | $1.2M | $808.0K | $220.0K | $219.0K | $0.00 | $0.00 |
Quarterly (10-Q, single quarters)
| Metric \ Quarter | Q4 2025 | Q3 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q1 2022 | Q4 2021 | Q3 2021 | Q1 2021 | Q4 2020 | Q3 2020 | Q1 2020 | Q4 2019 | Q3 2019 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue * | $401.4M | $320.5M | $272.5M | $303.0M | $231.8M | $195.0M | $227.6M | $179.4M | $148.5M | $163.1M | $139.9M | $144.2M | $153.6M | $111.6M | $111.8M | $110.5M | $99.2M | $73.3M | $130.0M | |
| Other Comprehensive Income Foreign Currency Transaction And Translation Adjustment Net Of Tax Portion Attributable To Parent | $7.8M | -$10.0M | $3.6M | -$35.5M | $8.3M | -$10.9M | $13.8M | -$11.9M | $31.0K | $4.5M | -$21.5M | $5.4M | $2.3M | -$3.8M | $2.8M | $1.8M | $405.0K | -$874.0K | -$15.0K | $25.0K |
| Net Income Loss | $129.6M | $80.7M | $2.8M | $80.4M | -$100.2M | -$133.9M | -$166.9M | -$171.8M | -$205.7M | -$322.4M | -$251.3M | -$54.7M | -$159.7M | -$306.6M | -$287.1M | -$26.6M | -$3.9M | -$85.6M | -$31.0M | -$30.8M |
| Selling And Marketing Expense | $98.8M | $78.5M | $74.0M | $136.0M | $145.2M | $133.0M | $161.3M | $146.9M | $140.9M | $188.3M | $163.9M | $156.2M | $143.5M | $64.0M | $58.2M | $39.1M | $22.6M | $7.1M | $7.7M | |
| Other Nonoperating Income Expense | $15.6M | $19.4M | $13.7M | $87.2M | $34.3M | $27.7M | $4.5M | $38.7M | $103.5M | $35.5M | $36.0M | $172.1M | $36.7M | -$140.4M | -$77.8M | $240.0K | $29.4M | -$4.0M | $1.7M | |
| Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent | $7.5M | -$9.3M | $3.0M | -$38.4M | $12.4M | -$10.2M | $18.1M | -$9.8M | $4.3M | $7.6M | -$27.1M | $3.3M | $1.7M | -$4.1M | $2.8M | $1.8M | $405.0K | -$874.0K | -$15.0K | |
| Operating Income Loss | $117.6M | $63.7M | -$8.4M | -$4.3M | -$132.6M | -$160.8M | -$172.2M | -$209.4M | -$310.0M | -$359.5M | -$287.5M | -$226.6M | -$196.2M | -$166.1M | -$209.3M | -$26.8M | -$33.3M | -$81.5M | -$32.6M | |
| Interest Expense Debt | $111.7M | $110.0M | $107.6M | $107.8M | $104.1M | $90.4M | $84.6M | $73.9M | $51.2M | $43.8M | $25.1M | $15.8M | $17.7M | $16.8M | $14.7M | $12.1M | $10.4M | $8.2M | $8.2M | |
| Income Tax Expense Benefit | $3.7M | $2.3M | $2.5M | $2.5M | $1.9M | $890.0K | -$700.0K | $1.0M | -$836.0K | -$1.6M | -$180.0K | $259.0K | $276.0K | $171.0K | -$70.0K | $78.0K | $97.0K | $93.0K | $93.0K | |
| Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest | $133.2M | $83.0M | $5.3M | $82.9M | -$98.3M | -$133.0M | -$167.6M | -$170.7M | -$206.5M | -$324.0M | -$251.4M | -$54.4M | -$159.5M | -$306.4M | -$287.1M | -$26.5M | -$3.8M | -$85.5M | -$30.9M | |
| General And Administrative Expense | $141.2M | $144.9M | $134.3M | $139.4M | $138.5M | $128.7M | $132.8M | $140.3M | $139.3M | $158.6M | $161.0M | $142.5M | $141.3M | $136.2M | $180.0M | $40.9M | $32.3M | $31.4M | $30.7M | |
| Comprehensive Income Net Of Tax | $137.0M | $71.4M | $5.9M | $41.9M | -$87.8M | -$144.1M | -$148.8M | -$181.6M | -$201.4M | -$314.8M | -$278.3M | -$51.4M | -$158.1M | -$310.7M | -$284.2M | -$24.8M | -$3.5M | -$86.5M | -$31.0M | |
| Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax | -$305.0K | -$129.0K | $778.0K | -$89.0K | -$1.5M | -$30.0K | $4.9M | $1.4M | $4.5M | $3.1M | -$5.5M | -$2.1M | -$657.0K | -$279.0K | $0.00 | $0.00 | $0.00 | |||
| Other Comprehensive Income Availableforsale Securities Adjustment Net Of Tax Portion Attributable To Parent | $778.0K | -$2.9M | $5.6M | -$30.0K | $4.9M | $1.4M | $4.5M | $3.1M | -$5.5M | -$2.1M | -$657.0K | -$279.0K | ||||||||
| Income Taxes Paid | $1.7M | $454.0K | $312.0K | $138.0K | $72.0K | $0.00 |
Balance Sheet
Annual (10-K / 20-F)
| Metric \ Fiscal Year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Stockholders Equity | $2.53B | $2.62B | $2.58B | -$367.1M | -$263.4M | -$169.3M | ||
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | $1.26B | $1.55B | $1.69B | $328.1M | $357.8M | $237.5M | ||
| Loss On Financing Receivable Commitments To Purchase | $242.3M | $180.4M | $140.3M | $204.1M | $246.7M | $161.5M | $73.4M | |
| Contractually Specified Servicing Fees Late Fees And Ancillary Fees Earned In Exchange For Servicing Financial Assets | $120.6M | $95.5M | $87.5M | $65.8M | $24.7M | $14.8M | $5.1M | |
| Restricted Cash | $282.3M | $367.9M | $295.6M | $226.1M | $61.1M | |||
| Cash And Cash Equivalents At Carrying Value | $1.01B | $892.0M | $1.26B | $1.47B | $267.1M | |||
| Financing Receivable Allowance For Credit Losses | $309.1M | $204.5M | $155.4M | $66.3M | $35.9M | |||
| Repayments Of Secured Debt | $900.0M | $1.28B | $606.3M | $552.0M | $210.4M | $0.00 | $0.00 | |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect | $461.0M | $35.5M | -$290.9M | -$141.8M | $1.36B | -$29.6M | $120.3M | |
| Accretion Amortization Of Discounts And Premiums Financing Receivables | $233.8M | $187.7M | $141.1M | $172.0M | $90.4M | $27.6M | $19.4M | |
| Operating Lease Payments | $16.6M | $16.0M | $16.4M | $15.6M | $13.2M | $0.00 | $0.00 | |
| Goodwill | $533.4M | $542.6M | $539.5M | $516.5M | $1.3M | $1.3M | ||
| Third Party Loan Owner Payable | $159.6M | $53.9M | $71.4M | $50.1M | $25.0M | |||
| Retained Earnings Accumulated Deficit | -$3.11B | -$2.59B | -$1.61B | -$898.5M | -$447.2M | |||
| Property Plant And Equipment Net | $427.7M | $290.1M | $171.5M | $62.5M | $48.1M | |||
| Other Assets | $299.3M | $278.6M | $281.6M | $274.7M | $19.6M | |||
| Loans Receivable Held For Sale Amount | $36.0K | $76.0K | $2.7M | $13.0M | $4.5M | |||
| Liabilities And Stockholders Equity | $9.52B | $8.16B | $6.97B | $4.87B | $1.40B | |||
| Liabilities | $6.79B | $5.62B | $4.36B | $2.29B | $965.2M | |||
| Interest Payable Current And Noncurrent | $24.3M | $13.5M | $6.7M | $2.8M | $1.9M | |||
| Assets | $9.52B | $8.16B | $6.97B | $4.87B | $1.40B |
Quarterly (10-Q, single quarters)
| Metric \ Quarter | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q1 2022 | Q4 2021 | Q3 2021 | Q2 2021 | Q1 2021 | Q4 2020 | Q3 2020 | Q2 2020 | Q1 2020 | Q4 2019 | Q3 2019 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stockholders Equity | $3.55B | $3.30B | $3.07B | $2.87B | $2.79B | $2.84B | $2.73B | $2.62B | $2.63B | $2.57B | $2.51B | $2.51B | $2.56B | $2.58B | $2.47B | $2.38B | $2.41B | -$343.3M | -$346.8M | -$415.0M | -$337.2M | -$285.0M | ||
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | $2.09B | $2.10B | $1.76B | $1.74B | $1.74B | $1.38B | $1.30B | $1.62B | $1.45B | $1.49B | $1.38B | $1.86B | $1.91B | $2.68B | $2.81B | $1.68B | $1.81B | $636.8M | $785.9M | $256.5M | $254.8M | |||
| Loss On Financing Receivable Commitments To Purchase | $96.1M | $71.6M | $57.3M | $70.3M | $54.2M | $44.1M | $53.6M | $34.9M | $31.2M | $38.4M | $35.6M | $46.9M | $65.3M | $51.7M | $62.1M | $67.8M | $65.9M | $43.5M | $42.7M | |||||
| Contractually Specified Servicing Fees Late Fees And Ancillary Fees Earned In Exchange For Servicing Financial Assets | $42.7M | $39.7M | $32.1M | $28.7M | $26.0M | $25.3M | $22.4M | $20.2M | $21.4M | $21.5M | $21.4M | $23.5M | $11.3M | $9.5M | $8.0M | $5.2M | $4.1M | $2.8M | $5.3M | |||||
| Restricted Cash | $566.7M | $668.8M | $402.0M | $384.8M | $536.8M | $338.5M | $346.9M | $411.3M | $409.2M | $409.0M | $424.5M | $383.4M | $413.6M | $247.4M | $236.3M | $183.3M | $116.0M | |||||||
| Cash And Cash Equivalents At Carrying Value | $1.53B | $1.43B | $1.35B | $1.35B | $1.20B | $1.05B | $1.27B | $1.04B | $1.08B | $972.5M | $1.44B | $1.53B | $2.26B | $2.57B | $1.44B | $1.62B | $520.7M | |||||||
| Financing Receivable Allowance For Credit Losses | $478.1M | $425.8M | $396.9M | $375.0M | $363.8M | $350.6M | $289.1M | $262.2M | $232.1M | $159.5M | $158.3M | $152.0M | $117.8M | $113.8M | $125.0M | $123.0M | $95.1M | $144.9M | $85.9M | $76.1M | ||||
| Repayments Of Secured Debt | $1.10B | $0.00 | $515.4M | $150.7M | $55.2M | $14.8M | ||||||||||||||||||
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect | $341.2M | $89.2M | $228.5M | $362.7M | -$16.8M | $457.7M | ||||||||||||||||||
| Accretion Amortization Of Discounts And Premiums Financing Receivables | $65.1M | $52.1M | $41.1M | $34.6M | $35.7M | $11.1M | ||||||||||||||||||
| Operating Lease Payments | $4.3M | $4.2M | $4.1M | $4.2M | $4.5M | $3.1M | ||||||||||||||||||
| Goodwill | $533.4M | $529.9M | $534.2M | $522.3M | $521.7M | $536.7M | $535.8M | $541.2M | $536.4M | $537.1M | $527.6M | $525.0M | $547.4M | $541.4M | $540.8M | |||||||||
| Third Party Loan Owner Payable | $130.3M | $193.8M | $211.7M | $177.0M | $157.2M | $152.0M | $129.7M | $134.6M | $109.5M | $44.2M | $127.4M | $90.8M | $36.0M | $71.5M | $38.5M | $36.5M | $33.0M | |||||||
| Retained Earnings Accumulated Deficit | -$2.85B | -$2.98B | -$3.06B | -$3.13B | -$3.13B | -$3.21B | -$3.06B | -$2.93B | -$2.76B | -$2.39B | -$2.18B | -$1.86B | -$1.42B | -$1.36B | -$1.21B | -$734.9M | -$494.0M | |||||||
| Property Plant And Equipment Net | $639.9M | $613.9M | $572.6M | $543.3M | $506.3M | $473.0M | $401.5M | $369.9M | $338.7M | $277.2M | $248.9M | $208.5M | $141.7M | $113.6M | $84.9M | $53.4M | $49.4M | |||||||
| Other Assets | $345.0M | $269.7M | $295.4M | $301.1M | $325.0M | $298.7M | $263.2M | $356.0M | $292.2M | $270.6M | $289.3M | $284.6M | $230.5M | $195.9M | $170.0M | $219.9M | $185.4M | |||||||
| Loans Receivable Held For Sale Amount | $6.0K | $12.0K | $0.00 | $1.0K | $0.00 | $0.00 | $127.0K | $29.0K | $145.0K | $122.0K | $344.0K | $7.1M | $3.6M | $27.4M | $1.8M | $12.8M | $12.3M | |||||||
| Liabilities And Stockholders Equity | $12.96B | $11.48B | $11.15B | $10.44B | $10.48B | $10.14B | $9.20B | $9.06B | $8.41B | $7.51B | $7.80B | $7.17B | $7.03B | $6.95B | $5.40B | $4.77B | $2.71B | |||||||
| Liabilities | $9.41B | $8.18B | $8.09B | $7.56B | $7.70B | $7.30B | $6.58B | $6.43B | $5.84B | $5.00B | $5.29B | $4.60B | $4.46B | $4.48B | $3.02B | $2.36B | $1.73B | |||||||
| Interest Payable Current And Noncurrent | $28.8M | $25.6M | $24.5M | $23.9M | $25.4M | $24.5M | $22.8M | $22.2M | $19.6M | $13.8M | $12.0M | $5.3M | $3.0M | $2.6M | $3.3M | $3.9M | $3.1M | |||||||
| Assets | $12.96B | $11.48B | $11.15B | $10.44B | $10.48B | $10.14B | $9.20B | $9.06B | $8.41B | $7.51B | $7.80B | $7.17B | $7.03B | $6.95B | $5.40B | $4.77B | $2.71B |
Cash Flow Statement
Annual (10-K / 20-F)
| Metric \ Fiscal Year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount | $178.5M | $126.5M | $80.1M | $54.5M | $14.0M | $2.9M | $2.9M |
| Adjustments Related To Tax Withholding For Share Based Compensation | $303.8M | $189.2M | $73.8M | $185.2M | $158.3M | $102.5M | |
| Share Based Compensation | $321.4M | $344.5M | $451.7M | $391.0M | $292.5M | $29.6M | $33.7M |
| Proceeds From Sale Of Loans Held For Sale | $3.39B | $4.21B | $6.17B | $5.58B | $2.59B | $2.02B | $813.3M |
| Proceeds From Sale Of Finance Receivables | $12.57B | $6.06B | $1.58B | $1.90B | $824.0M | $303.4M | $147.1M |
| Proceeds From Long Term Lines Of Credit | $21.17B | $12.64B | $6.89B | $4.10B | $2.94B | $2.13B | $1.35B |
| Proceeds From Issuance Of Secured Debt | $2.50B | $2.35B | $1.15B | $999.4M | $1.40B | $0.00 | $0.00 |
| Proceeds From Collection Of Finance Receivables | $18.66B | $14.15B | $10.03B | $8.12B | $4.32B | $2.29B | $1.41B |
| Payments To Acquire Property Plant And Equipment | $192.2M | $159.3M | $120.8M | $86.3M | $20.3M | $21.0M | $19.4M |
| Payments To Acquire Finance Receivables | $32.55B | $21.49B | $13.59B | $10.36B | $5.90B | $2.83B | $1.89B |
| Payments Of Debt Issuance Costs | $49.2M | $27.3M | $22.4M | $13.8M | $12.5M | $7.7M | $4.9M |
| Net Cash Provided By Used In Operating Activities | $793.9M | $450.1M | $12.2M | -$162.2M | -$193.1M | -$71.3M | -$87.6M |
| Net Cash Provided By Used In Investing Activities | -$1.08B | -$1.33B | -$1.65B | -$2.01B | -$1.02B | -$253.1M | -$353.7M |
| Net Cash Provided By Used In Financing Activities | $751.4M | $913.1M | $1.35B | $2.04B | $2.58B | $294.7M | $561.6M |
| Increase Decrease In Third Party Loan Owner Payable | $52.1M | $105.8M | -$17.5M | $21.3M | $25.1M | $8.3M | $6.3M |
| Increase Decrease In Other Operating Assets | $12.2M | -$31.2M | $14.5M | $15.0M | $209.1M | -$19.9M | $17.1M |
| Increase Decrease In Interest Payable Net | $2.4M | $11.1M | $7.9M | $3.9M | $1.4M | $428.0K | $675.0K |
| Increase Decrease In Accrued Liabilities And Other Operating Liabilities | -$48.9M | -$55.2M | -$38.2M | $67.3M | $119.6M | $13.9M | $9.8M |
| Increase Decrease In Accounts Receivable | $85.0M | $167.8M | $67.7M | $62.7M | $22.9M | $19.0M | $24.8M |
| Increase Decrease In Accounts Payable | $41.8M | $12.4M | -$5.0M | -$24.7M | $32.2M | $7.5M | $4.4M |
| Depreciation Depletion And Amortization | $225.1M | $169.0M | $134.6M | $52.7M | $20.0M | $9.4M | $5.3M |
| Proceeds From Stock Options And Warrants Exercised | $60.7M | $33.1M | $15.8M | $73.9M | $47.0M | $2.7M | $6.5M |
| Effect Of Exchange Rate On Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | -$1.2M | -$2.7M | $81.0K | -$5.4M | $1.8M | $0.00 | $0.00 |
| Payments For Repurchase Of Common Stock | $250.0M | $0.00 | $109.0K | $86.0K | $800.0K | $18.9M | $2.6M |
Quarterly (10-Q, single quarters)
| Metric \ Quarter | Q4 2025 | Q3 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q1 2022 | Q4 2021 | Q3 2021 | Q1 2021 | Q4 2020 | Q3 2020 | Q1 2020 | Q4 2019 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount | $46.6M | $52.9M | $44.4M | $44.7M | $49.5M | $31.0M | $29.7M | $38.8M | $19.1M | $22.4M | $21.2M | $14.6M | $13.4M | $11.7M | $6.6M | $253.0K | $972.0K | $667.0K | $786.0K |
| Adjustments Related To Tax Withholding For Share Based Compensation | $84.0M | $116.0M | $83.0M | $95.3M | $63.2M | $72.5M | $39.2M | $36.5M | $18.2M | $18.0M | $27.3M | $54.2M | $73.0M | $39.8M | $127.6M | ||||
| Share Based Compensation | $85.9M | $94.2M | $112.4M | $119.8M | $93.2M | $6.2M | |||||||||||||
| Proceeds From Sale Of Loans Held For Sale | $748.8M | $1.22B | $1.23B | $1.71B | $888.6M | $338.9M | |||||||||||||
| Proceeds From Sale Of Finance Receivables | $4.28B | $1.63B | $899.2M | $326.7M | $195.0M | $75.0M | |||||||||||||
| Proceeds From Long Term Lines Of Credit | $7.98B | $3.19B | $2.90B | $1.19B | $682.1M | $773.9M | |||||||||||||
| Proceeds From Issuance Of Secured Debt | $1.10B | $750.0M | $750.0M | $249.9M | $499.8M | $518.2M | |||||||||||||
| Proceeds From Collection Of Finance Receivables | $5.36B | $4.13B | $3.18B | $2.21B | $1.49B | $749.1M | |||||||||||||
| Payments To Acquire Property Plant And Equipment | $54.4M | $44.2M | $35.8M | $31.2M | $16.3M | $4.2M | |||||||||||||
| Payments To Acquire Finance Receivables | $9.80B | $6.39B | $4.23B | $2.74B | $1.85B | $1.18B | |||||||||||||
| Payments Of Debt Issuance Costs | $9.5M | $4.3M | $10.5M | $7.4M | $6.6M | $4.6M | |||||||||||||
| Net Cash Provided By Used In Operating Activities | $374.6M | $196.9M | $98.9M | $51.2M | $365.2M | -$2.3M | |||||||||||||
| Net Cash Provided By Used In Investing Activities | -$139.6M | -$575.0M | -$15.9M | $117.3M | -$629.5M | -$357.8M | |||||||||||||
| Net Cash Provided By Used In Financing Activities | $110.1M | $465.6M | $148.8M | $199.5M | $244.0M | $817.8M | |||||||||||||
| Increase Decrease In Third Party Loan Owner Payable | -$17.9M | -$7.6M | $55.6M | $19.4M | -$11.6M | -$3.8M | |||||||||||||
| Increase Decrease In Other Operating Assets | -$31.0M | $6.8M | $12.6M | $3.0M | -$78.1M | $64.4M | |||||||||||||
| Increase Decrease In Interest Payable Net | $1.6M | $846.0K | $6.3M | -$1.1M | $553.0K | $798.0K | |||||||||||||
| Increase Decrease In Accrued Liabilities And Other Operating Liabilities | -$3.6M | -$23.8M | -$20.6M | $3.2M | -$11.8M | $63.7M | |||||||||||||
| Increase Decrease In Accounts Receivable | -$138.9M | -$41.1M | $42.2M | $6.6M | $12.1M | -$10.2M | |||||||||||||
| Increase Decrease In Accounts Payable | -$24.8M | $16.5M | -$1.3M | $1.5M | $368.1M | $6.1M | |||||||||||||
| Depreciation Depletion And Amortization | $65.3M | $46.7M | $40.1M | $20.9M | $10.5M | $3.7M | |||||||||||||
| Proceeds From Stock Options And Warrants Exercised | $94.8M | $3.6M | $3.6M | $1.0M | $37.5M | $1.7M | |||||||||||||
| Effect Of Exchange Rate On Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | -$3.9M | $1.7M | -$3.3M | -$5.3M | $3.6M | $0.00 | |||||||||||||
| Payments For Repurchase Of Common Stock | $0.00 | $109.0K | $4.0K | $584.0K |
Per-Share & Share Counts
Annual (10-K / 20-F)
| Metric \ Fiscal Year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| Weighted Average Number Of Shares Outstanding Basic | 322.9M | 309.9M | 295.3M | 281.7M | 158.4M | 47.9M | 47.3M |
| Weighted Average Number Of Diluted Shares Outstanding | 341.0M | 309.9M | 295.3M | 281.7M | 159.2M | 47.9M | 47.3M |
| Earnings Per Share Diluted | $0.15 | $-1.67 | $-3.34 | $-2.51 | $-2.94 | $-2.63 | $-2.84 |
| Earnings Per Share Basic | $0.16 | $-1.67 | $-3.34 | $-2.51 | $-2.78 | $-2.63 | $-2.84 |
Quarterly (10-Q, single quarters)
| Metric \ Quarter | Q4 2025 | Q3 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q1 2022 | Q4 2021 | Q3 2021 | Q1 2021 | Q4 2020 | Q3 2020 | Q1 2020 | Q4 2019 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Weighted Average Number Of Shares Outstanding Basic | 334.3M | 330.2M | 324.1M | 322.3M | 318.2M | 312.6M | 307.6M | 303.8M | 297.2M | 293.7M | 290.9M | 285.6M | 281.5M | 271.7M | 233.3M | 70.8M | 64.8M | 47.4M | 48.1M |
| Weighted Average Number Of Diluted Shares Outstanding | 349.4M | 348.3M | 344.2M | 345.2M | 318.2M | 312.6M | 307.6M | 303.8M | 297.2M | 293.7M | 290.9M | 285.6M | 281.5M | 271.7M | 233.3M | 70.8M | 68.3M | 47.4M | 48.1M |
| Earnings Per Share Diluted | $0.37 | $0.23 | $0.01 | $0.23 | $-0.31 | $-0.43 | $-0.54 | $-0.57 | $-0.69 | $-1.10 | $-0.86 | $-0.19 | $-0.57 | $-1.13 | $-1.23 | $-0.38 | $-0.47 | $-1.80 | $-0.92 |
| Earnings Per Share Basic | $0.39 | $0.24 | $0.01 | $0.25 | $-0.31 | $-0.43 | $-0.54 | $-0.57 | $-0.69 | $-1.10 | $-0.86 | $-0.19 | $-0.57 | $-1.13 | $-1.23 | $-0.38 | $-0.06 | $-1.80 | $-0.92 |
Other Metrics
Annual (10-K / 20-F)
| Metric \ Fiscal Year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value | $499.9M | $471.0M | $531.8M | $445.5M | $306.5M | $32.5M | $36.6M |
| Technology And Data Analytics Expense | $589.7M | $501.9M | $615.8M | $418.6M | $249.3M | $122.4M | $76.1M |
| Stock Issued During Period Value Stock Options Exercised | $47.1M | $22.9M | $4.6M | $69.9M | $46.5M | ||
| Processing And Servicing Expense | $457.8M | $343.2M | $257.3M | $157.8M | $73.6M | $49.8M | $32.7M |
| Interest And Dividend Income Operating | $1.61B | $1.20B | $685.2M | $527.9M | $326.4M | $186.7M | $119.4M |
| Gain Loss On Sales Of Loans Net | $381.6M | $197.2M | $188.3M | $196.4M | $89.9M | $31.9M | -$440.0K |
| Costs And Expenses | $3.31B | $2.94B | $2.79B | $2.22B | $1.25B | $617.3M | $391.8M |
| Provision For Loan Losses Expensed | $616.7M | $460.6M | $331.9M | $255.3M | $65.9M | $105.1M | $78.0M |
| Repayments Of Long Term Lines Of Credit | $21.39B | $12.55B | $5.80B | $4.09B | $3.17B | $1.88B | $1.08B |
| Interest Paid Net | $404.4M | $318.2M | $163.2M | $51.5M | $41.7M | $28.1M | $27.8M |
| Amortization Of Financing Costs | $30.4M | $24.5M | $20.5M | $16.2M | $6.4M | $2.3M | $1.7M |
| Stock Repurchased During Period Value | $250.0M | $109.0K | $86.0K | $800.0K | $18.9M | $2.6M | |
| Adjustments To Additional Paid In Capital Warrant Issued | $271.6M | $406.7M | $421.9M | $388.2M | |||
| Other Noncash Income Expense | -$13.7M | $25.3M | $8.8M | $73.2M | -$5.1M | -$81.0K | -$36.0K |
| Line Of Credit | $1.84B | $1.76B | $672.6M | $680.6M | $817.9M |
Quarterly (10-Q, single quarters)
| Metric \ Quarter | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q1 2022 | Q4 2021 | Q3 2021 | Q1 2021 | Q4 2020 | Q3 2020 | Q1 2020 | Q4 2019 | Q3 2019 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value | $124.4M | $138.7M | $120.0M | $130.8M | $143.7M | $108.1M | $119.8M | $151.2M | $125.9M | $144.2M | $141.0M | $113.0M | $101.9M | $104.9M | $187.9M | $6.8M | $7.2M | $8.5M | $9.2M | $9.3M | |
| Technology And Data Analytics Expense | $184.9M | $168.1M | $152.6M | $148.2M | $134.3M | $124.8M | $119.8M | $133.0M | $161.8M | $156.7M | $145.0M | $110.3M | $95.0M | $78.0M | $104.8M | $41.6M | $33.8M | $33.7M | $31.6M | ||
| Stock Issued During Period Value Stock Options Exercised | $2.5M | $94.8M | $10.5M | $30.7M | $3.6M | $1.2M | $17.4M | $3.6M | $716.0K | $1.4M | $1.2M | $8.2M | $21.7M | $37.5M | $19.8M | $21.7M | $1.7M | ||||
| Processing And Servicing Expense | $158.6M | $133.8M | $118.4M | $116.0M | $95.1M | $88.2M | $90.2M | $75.7M | $65.2M | $66.5M | $54.4M | $43.4M | $41.8M | $25.2M | $21.4M | $16.8M | $13.5M | $13.7M | $11.7M | ||
| Interest And Dividend Income Operating | $493.6M | $454.1M | $402.7M | $409.4M | $377.1M | $315.7M | $288.3M | $262.7M | $178.3M | $155.3M | $136.8M | $134.6M | $138.4M | $117.3M | $94.5M | $73.9M | $54.2M | $52.4M | $45.1M | ||
| Gain Loss On Sales Of Loans Net | $185.2M | $119.0M | $75.8M | $125.3M | $63.6M | $40.2M | $52.7M | $34.3M | $32.8M | $59.6M | $63.6M | $52.5M | $57.7M | $31.0M | $16.4M | $14.6M | $16.4M | $9.9M | $4.7M | ||
| Costs And Expenses | $1.01B | $869.7M | $791.5M | $870.7M | $831.1M | $736.9M | $763.3M | $706.0M | $691.0M | $759.1M | $649.1M | $581.3M | $557.2M | $435.5M | $440.0M | $230.8M | $207.3M | $219.8M | $162.6M | ||
| Provision For Loan Losses Expensed | $214.2M | $162.8M | $147.3M | $153.0M | $159.8M | $122.4M | $120.9M | $99.7M | $66.4M | $106.7M | $64.3M | $66.3M | $52.6M | $63.6M | -$1.1M | $12.5M | $28.9M | $82.2M | $30.2M | ||
| Repayments Of Long Term Lines Of Credit | $7.82B | $3.29B | $2.94B | $1.06B | $873.8M | $890.6M | |||||||||||||||
| Interest Paid Net | $103.3M | $99.5M | $64.9M | $22.8M | $10.2M | $6.9M | |||||||||||||||
| Amortization Of Financing Costs | $6.8M | $6.1M | $5.5M | $1.1M | $5.2M | $1.1M | |||||||||||||||
| Stock Repurchased During Period Value | $250.0M | $109.0K | $80.0K | $4.0K | $3.0K | $199.0K | $584.0K | $400.0K | $17.6M | $865.0K | |||||||||||
| Adjustments To Additional Paid In Capital Warrant Issued | $61.2M | $41.0M | $36.1M | $86.8M | $107.3M | $96.0M | $114.7M | $95.9M | $93.9M | $128.1M | $108.7M | $92.2M | $198.4M | ||||||||
| Other Noncash Income Expense | $2.2M | $4.7M | -$2.1M | -$4.0M | -$608.0K | ||||||||||||||||
| Line Of Credit | $3.05B | $1.78B | $1.62B | $1.91B | $2.17B | $1.74B | $1.61B | $1.91B | $1.71B | $1.51B | $1.88B | $792.6M | $901.2M | $646.0M | $484.8M | $760.4M | $805.0M |
Most recent annual filing with the SEC: August 28, 2025
Data sourced from SEC EDGAR public filings as of August 6, 2026.