Affirm Holdings, Inc. Financial Statements FY2022-FY2027Q1

Affirm Holdings, Inc. (AFRM) Financial Statements in Beancount — Open Ledger

Affirm's income statement and balance sheet, FY2022 through FY2027Q1, as a public, auditable plain-text Beancount ledger — reconstructed line by line from the company's own Form 10-K filings and version-controlled in git. Part of the Open Ledger project on beancount.io.

Browse it live: beancount.io/ledger/open_ledger/affirm

Latest analysis: Affirm Q1 FY2027 Earnings: Net Income Doubles to $164M as Credit-Loss Provisions Rise 59%

Key Figures

Amounts in MUSD (millions of US dollars), exactly as the ledger records them.

What's Inside

Fiscal years end June 30 (SEC CIK 0001820953). All five years come from Form 10-K filings (XBRL companyfacts). As a consumer-finance company, Affirm carries loans held for investment, net of allowance, in Assets:NonCurrent:Loans and its securitization and funding facilities in Liabilities:NonCurrent:FundingDebt; the core long-term debt account is kept at zero.

Quick Start

uvx --from beancount bean-check main.bean
uvx --from beanquery bean-query main.bean \
  "SELECT year, sum(position) WHERE account ~ '^Income:Revenue' GROUP BY year ORDER BY year"

Zero output from bean-check means the ledger is internally consistent: every
income statement sums to zero and every balance-sheet snapshot reconciles to
the filed totals. The query prints revenue by calendar year; income is a
credit, so it shows as a negative number. Open main.bean in Fava
or import it into beancount.io to explore it visually.

Methodology

• Balance sheet — pad / balance directives assert each period-end
  figure against the filing named in that period file's source banner.
• Income statement — one zero-sum transaction per period: Income
  negative (credit), Expenses positive (debit), with the arithmetic check in
  a comment directly above it.
• Unit — MUSD; 4,261 MUSD means 4,261 million US dollars.
• Additional accounts — Assets:NonCurrent:Loans,
  Assets:NonCurrent:LoanAllowance, Liabilities:NonCurrent:FundingDebt,
  opened beyond the standard chart (see each account's open line in
  main.bean).

Analysis

• Affirm Q1 FY2027 Earnings: Net Income Doubles to $164M as Credit-Loss Provisions Rise 59% — FY2027Q1
• Affirm FY2026 Q4 Earnings: $1.17B Revenue, a $1.5B Tax Benefit, and a $9.0B Loan Book — FY2026Q4

Corrections

Found a figure that does not match the filing? Email
[email protected] with the period, the account
and the filing page. Corrections are committed with the source cited.

About Open Ledger

Open Ledger is a growing library of public-company financial statements
published as plain-text accounting at
beancount.io/ledger — git-versioned, diffable
across companies, and auditable against primary filings. Read the analysis
behind the numbers on the beancount.io blog.

Disclaimer

This ledger is an independent reconstruction of Affirm Holdings, Inc.'s publicly filed
financial statements, provided for educational and informational purposes
only. It is not investment, financial, legal, tax, or accounting advice, and
is not an offer or recommendation to buy or sell any security. Beancount.io is
not affiliated with, endorsed by, or sponsored by Affirm Holdings, Inc.; all trademarks
belong to their respective owners. Figures may contain errors, omissions, or
simplifications and may lag the latest filings — the company's own regulatory
filings are the authoritative source. Provided "as is" without warranty of any
kind; use at your own risk.