Affirm Holdings, Inc. (AFRM) Spending and interest coverage
- R&D / revenue · 12 months: Value (m); Formula and calculation Research and development expense / revenue. Period ending 2026-06-30..
- Stock-based compensation / revenue · 12 months: Value 21.10%; Formula and calculation Share-based compensation / revenue. Period ending 2026-06-30..
- Interest coverage · 12 months: Value (m); Formula and calculation Estimated: average term debt × dated USD coupon proxy + average commercial paper × matching-currency disclosed rate at or before period end. Swaps, foreign-exchange, lease interest and amortization are not quantified..
Spending and interest coverage
Overview →Financial period ending 2026-06-30; current quote (m). Amounts retain their stated periods and units.
| Metric | Value | Formula and calculation |
|---|---|---|
| R&D / revenue · 12 months | (m) | Research and development expense / revenue. Period ending 2026-06-30. Calculation unavailable: missing inputs remain (m). |
| Stock-based compensation / revenue · 12 months | 21.10% | Share-based compensation / revenue. Period ending 2026-06-30. $304.67M ÷ $1.44B × 100 ≈ 21.10% |
| Interest coverage · 12 months | (m) | Estimated: average term debt × dated USD coupon proxy + average commercial paper × matching-currency disclosed rate at or before period end. Swaps, foreign-exchange, lease interest and amortization are not quantified. Calculation unavailable: missing inputs remain (m). |
Calculation inputs
| Input | Amount with unit | Raw financial data |
|---|---|---|
| Research and development spending | (m) | |
| Revenue | 1.44B USD | Revenue from Contract with Customer, Excluding Assessed Tax |
| Stock-based compensation | 304.67M USD | Share-based Payment Arrangement, Noncash Expense |
| Operating income | 416.98M USD | Operating Income (Loss) |
| Interest expense · reported / estimated | (m) | · Estimated expense assumptions |
Latest interest expense basis: (m). Estimated values carry *; expand each history row’s basis for its dated balances and rate assumptions.
Calculated history
Changes compare with the next older row (previous quarter), unless explicitly labeled otherwise. Rolling 12-month growth compares two successive quarter-end rolling totals; it is not year-over-year growth.
| Period ending | Research and development spending (USD) | Revenue (USD) | Stock-based compensation (USD) | Operating income (USD) | Interest expense · reported / estimated (USD) | R&D / revenue | SBC / revenue | Interest coverage | Interest expense basis |
|---|---|---|---|---|---|---|---|---|---|
| 2026-06-30 | (m) | $1.44B | $304.67M | $416.98M | (m) | (m) | 21.10% | (m) | (m) |
| 2026-03-31 | (m) | $1.36B | $302.99M | $327.78M | (m) | (m) | 22.23% | (m) | (m) |
| 2025-12-31 | (m) | $1.30B | $304.75M | $230.96M | (m) | (m) | 23.42% | (m) | (m) |
| 2025-09-30 | (m) | $1.20B | $313.05M | $109.01M | (m) | (m) | 26.03% | (m) | (m) |
| 2025-06-30 | (m) | $1.11B | $321.43M | $-87.27M | (m) | (m) | 28.85% | (m) | (m) |
| 2025-03-31 | (m) | $1.03B | $320.85M | $-218.80M | (m) | (m) | 31.11% | (m) | (m) |
| 2024-12-31 | (m) | $953.81M | $322.32M | $-371.19M | (m) | (m) | 33.79% | (m) | (m) |
| 2024-09-30 | (m) | $878.40M | $326.38M | $-539.02M | (m) | (m) | 37.16% | (m) | (m) |
| 2024-06-30 | (m) | $826.01M | $344.51M | $-615.85M | (m) | (m) | 41.71% | (m) | (m) |
| 2024-03-31 | (m) | $777.48M | $382.94M | $-786.22M | (m) | (m) | 49.25% | (m) | (m) |
| 2023-12-31 | (m) | $731.00M | $412.65M | $-935.46M | (m) | (m) | 56.45% | (m) | (m) |
| 2023-09-30 | (m) | $666.51M | $444.26M | $-1.12B | (m) | (m) | 66.65% | (m) | (m) |
| 2023-06-30 | (m) | $626.94M | $451.71M | $-1.20B | (m) | (m) | 72.05% | (m) | (m) |
| 2023-03-31 | (m) | $601.17M | $459.24M | $-1.23B | (m) | (m) | 76.39% | (m) | (m) |
| 2022-12-31 | (m) | $596.92M | $450.84M | $-1.15B | (m) | (m) | 75.53% | (m) | (m) |
| 2022-09-30 | (m) | $587.42M | $417.60M | $-987.44M | (m) | (m) | 71.09% | (m) | (m) |
| 2022-06-30 | (m) | $559.21M | $390.98M | $-866.05M | (m) | (m) | 69.92% | (m) | (m) |
| 2022-03-31 | (m) | $517.43M | $375.78M | $-698.60M | (m) | (m) | 72.63% | (m) | (m) |
| 2021-12-31 | (m) | $485.01M | $457.04M | $-681.40M | (m) | (m) | 94.23% | (m) | (m) |
| 2021-09-30 | (m) | $441.82M | $375.02M | $-511.97M | (m) | (m) | 84.88% | (m) | (m) |
| 2021-06-30 | (m) | $429.40M | $288.03M | $-379.19M | (m) | (m) | 67.08% | (m) | (m) |
| 2021-03-31 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2020-12-31 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2020-09-30 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2020-06-30 | (m) | $276.09M | $29.63M | $-107.79M | (m) | (m) | 10.73% | (m) | (m) |
| 2020-03-31 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2019-12-31 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2019-06-30 | (m) | $140.27M | $33.70M | $-127.44M | (m) | (m) | 24.03% | (m) | (m) |
(m) means missing inputs. Historical market-based ratios use the saved close on or immediately before period ending and that period’s reported shares; current quotes are not substituted. Five-year projections repeat historical CAGR, not analyst forecasts.