# Affirm Holdings, Inc. (AFRM)
bnpl · mixed · live · latest quarter 2026-06-30 · reporting basis ALL

**Score 0** (weighted flags). Buy-now-pay-later lender: point-of-sale installment loans, part held, part sold, funded by warehouse lines, securitization and forward-flow sales.

## Latest quarter, from the company's own XBRL

| Measure | Value |
|---|---|
| Book total (ALL) | $9.58B |
| Allowance | $563.3M (5.88% of gross) |
| Provision | $223.2M |
| Net charge-offs | $170.2M (7.49% annualized) |
| Provision / NCO | 1.31 |
| Reserve, quarters of losses | 3.3 |
| 30+ / 60+ / 90+ | – / – / 0.67% |
| Nonaccrual | 0.08% |
| Yield | 22.11% |
| Equity / assets | 34.73% |
| Book growth YoY | 35.8% |

Delinquency note: Fiscal year ends June 30. Loans held for investment are tagged at unpaid principal before allowance, and the allowance element resolves to the total credit-loss allowance rather than the small trade-receivable reserve Affirm also tags. Short-duration loans mean the book turns over several times a year, so an annualized loss rate on average balance runs hotter than a term-loan lender's at the same credit quality.

## Flags

- none

## In the news

- 2026-09-10 [Affirm Holdings Inc (AFRM) Shares Fall 5.5% -- What GF Score of 81 Tells Investors - gurufocus.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxORHA2T0xTWUh3ZEVFckJYOUYwVUFOSXZna0dzMXMwVTcxbHVkYXBRdnZ4R2s1WV9haVBHYnRJU2VwT045YWdJU21HbnNxREV6RF9qTTdFVjdHWnE3REVEd2VBeHRTU1lrN1dfcWk5bDdGcDFjZkI0UXJVanJYbkI5MGloaDZSV01TaFk0SDZrZkR5c1lzMmdUSDFUd0xPd1hfZF9HZW1iQ2tlbjNsV1JxM1A2T2c?oc=5) · gurufocus.com
- 2026-09-09 [Affirm (NASDAQ: AFRM) accounting chief sells 25,000 shares not under a preset plan - stocktitan.net](https://news.google.com/rss/articles/CBMiswFBVV95cUxOdDdINEdzN3dKa0x1eXdwOWhwelUwbnpmYThCdVc4clMzaFBwcHhlSEtYNDY2RTdEZEQ4dVJYd2V4ZDBZLW1maVBQaEhaVTJKOFNtc0dPWlJqLXhuMnUyb1J3aU1JeWRIT0dVd3M2T0t1dG9SUnctR3Z4cWdKSGd4UTRBRGM5NDhGdTV4NXVkM1lMcHplQnpiYWtqT3ViYmNfQ1RYRllVTUpRN1RZOVVkeldQbw?oc=5) · stocktitan.net
- 2026-09-09 [VIRGINIA RETIREMENT SYSTEMS ET Al Takes $6.16 Million Position in Affirm Holdings, Inc. $AFRM - marketbeat.com](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNUEl3aXpWNGJCRjRibUNJRFlTaG9NS1hvUnVGTGJVa0l0Ml9VSTByU1hRNndkbU9HVF9kSE5pUVo2Z3FUckZFZUhkR2JnSUxVcDJCWjlqa2ZSMXppSW84WG5oQjNoazVucTBTazdGc1JJeWtHYllZRThKUm5QNTlFZnd2RG1COElEQnVJbXBkT25JN1h5OGY4bEdyTjhwRVhiTVRtUmNoWHpMeXh0Y0ZQZFNvQmo4UWhEaGVtZjRxSkxyZVpicER4U1ZaRzk5U2VncEJsVVFYRGNfY0pEUE5za1hMcw?oc=5) · marketbeat.com
- 2026-08-22 [Jim Cramer Said Affirm Holdings, Inc. (NASDAQ:AFRM) Was The One To Buy - Yahoo Finance](https://news.google.com/rss/articles/CBMinAFBVV95cUxNLTBZOTk0UFgxd1dFWWxZZkU2WVcweEowZWNibjM2TUJkdXBwdDhrRjkxMjM5d2QyNkNfVjA4U1RFQ3JnWUY4M2NzNndDLXpINUJKSW5uWDh6VElycUVHSDFrVFNHakFOS0EwTUVtOXFaTUhkRXdQdkgzSzFNU3NmNG05bTI5YmdDSVV3c1Z6WFFMSmtmcEtVR0ljOVk?oc=5) · Yahoo Finance
- 2026-09-08 [Affirm Holdings, Inc. • Robinhood Token Price: AFRM Live Price Today | AFRM Market Cap & Chart Analysis - Bybit](https://news.google.com/rss/articles/CBMidkFVX3lxTFBQeUdYWjloZkhzOEdhOWZqb3hUOHZ1MTNnZ1ZHaFdCLUlmTXJKZE1BcUNBNXEwVW15M192emdjdW1NZXEtV2dxcUpua1c5NVFNVFczSHViclRCZ0U4UUkxNURtNlMyR3VOVXlkN2lsa3JZU2hqLUE?oc=5) · Bybit
- 2026-09-04 [Consumer Pressure Rises, but So Does Demand for Affirm's Services - Eastern Progress](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQWWZIM0U2WjRORS14WHpXczJJV0VNNFRpRU5DT0E4Qjc0TEtvcVRaR2tvcUNSOWNOWTJLNHZQam40bDNFQVJjajNLTHh6b1VydHZwc0hpT3cwQmE1UHNoYUJZRVFfZ19MRUdiR1puQzRLSktBUzR2U0NYTFZHRGh0R2lFZk9lc1pUOVVWTDBoMmhqUnJZZXpyNzJUZ3oxYmRaNjg3RlIycjBnU2o2aEpsOUZ3ODJtRHZVREpBanNNM2VVSWU3U2h6WjBXZnY0M1BuR2VtM18wanhTYkFYd0E?oc=5) · Eastern Progress
- 2026-08-27 [Affirm Holdings: Fiscal Q4 Earnings Snapshot - KVUE](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOeGxRQjFPZ3hoNGlJdUFzVWZtbGhTeGF0dkJYdjVSclVveXpfOFVQbG16RlZ1ZkpSY1AxTmlvRG1nRUZpR3cxRl9SNjljMXFUVUEyY1lDcWtsQ25DRUZXeFdOeEpSR0pQYkJaanpLT0hGN3pzQmJYU0p0cDk5M3VDYm5VV2JxMUV1OVREd0pmalhqQktqV2NFS1dTT3l5d0lPMHQ5YjhYRXNlUXIyeDhoVi1yY2J6MWdzNlkwUXdGVl9EQXFvR1VpSWxjb0hxZ29uaTRiS29XUjU?oc=5) · KVUE
- 2026-09-06 [Nykredit A S Invests $7.17 Million in Affirm Holdings, Inc. $AFRM - marketbeat.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxQYWNaQllxZXRRemVNdFZXczZTNGhxT0RpOXNYTHZEbTFvVUl6TXRPa2xVbDJMc0tULTNrZl9zVHJpSXp3cVdaR3ZiX283R0JiSnlGa2swWnRrWWc4MEFwMldOeWVnMHJWTjZVVS1TZVhRYTdkWmxoU2JGaFktdzBPdGRxRXZNTHNoeFlaanU5MzJIcUlyMkI1eU9jYmFLWmN3WjFnbGptZklwSzNtbXVFWnJpUDM2V3FkdGFTVkhB?oc=5) · marketbeat.com

## How to verify

- Page: https://getbookiq.com/intel/#co=AFRM
- Data: https://getbookiq.com/intel/data/pubco.json (companies[].hist, columns q, receivables_gross, receivables_net, receivables_fv, book_total, allowance, provision, writeoffs, recoveries, nco, revenue, interest_income, nonaccrual, assets, equity, debt, alw_ratio, nco_rate, yield, prov_nco, nonacc_ratio, equity_ratio, leverage, reserve_qtrs, growth_yoy, alw_chg_yoy, nco_chg_yoy, nonacc_chg_yoy, yield_chg_yoy, eq_chg_yoy, dq30, dq60, dq90, dq_total, dq30_r, dq60_r, dq90_r, dq_total_r, dq90_chg_yoy, dqtot_chg_yoy, score)
- Definitions: https://getbookiq.com/dictionary/#auto-prov_nco
- Source: SEC XBRL company facts. Blank means the filer does not tag that concept, never zero. Peer comparison is within a business model or tier only.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide