Affirm Holdings, Inc.AFRM

時価総額

$207.7億

PER

買い物後払いサービスの米国大手。分割払いアプリと物理・仮想カードによる後払いサービスを展開。2012年創業、2021年1月13日上場、2023年2月1日に英国BNPLを約1,633万ドルで買収。米国・カナダ・英国中心に展開。

	2021年 6月30日	2022年 6月30日	2023年 6月30日	2024年 6月30日
Net loss	-431	-707	-985	-518
Provision for losses	66	255	-	461
Amortization of premiums and discounts on loans	90	172	141	188
Gain on sales of loans	90	196	188	197
Gain on extinguishment of debt	-	-	90	13
Changes in fair value of assets and liabilities	-	102	16	3
Amortization of commercial agreement assets	69	97	86	73
Amortization of debt issuance costs	6	16	21	25
Amortization of discount on securities available for sale	-	2	-36	-23
Commercial agreement warrant expense	-	-255	-422	-407
Stock-based compensation	288	391	452	345
Depreciation and amortization	20	53	135	169
Operating Lease, Impairment Loss	12	0	1	1
Other	-5	73	9	25
Purchases and origination of loans held for sale	-	-	-	4,212
Proceeds from Sale, Loan, Held-for-Sale	2,595	5,582	6,174	4,212
Accounts receivable, net	23	63	68	168
Other assets	209	15	14	-31
Accounts payable	32	-25	-5	12
Payable to third-party loan buyers	25	21	-18	106
Accrued interest payable	1	4	8	11
Accrued expenses and other liabilities	120	67	-38	-55
Net cash provided by (used in) operating activities	-193	-162	12	450
Purchases and origination of loans held for investment	5,897	10,362	13,586	21,489
Proceeds from Sale of Finance Receivables	824	1,899	1,583	6,059
Proceeds from Collection of Finance Receivables	4,325	8,122	10,028	14,147
Acquisition, net of cash and restricted cash acquired	222	6	16	-
Purchases of intangible assets	-	25	-	-
Additions to property, equipment and software	20	86	121	159
Purchases of securities available for sale	-	1,841	1,082	986
Proceeds from Sale and Maturity of Debt Securities, Available-for-Sale	-	311	1,537	1,137
Other investing cash inflows/(outflows)	-	-	-4	34
Net cash used in investing activities	-1,022	-2,011	-1,653	-1,325
Proceeds from funding debt	2,942	4,101	6,895	12,639
Proceeds from Convertible Debt	-	1,704	-	-
Proceeds from Issuance of Secured Debt	1,396	999	1,150	2,350
Principal repayments of funding debt	3,165	4,091	5,802	12,553
Principal repayments of notes issued by securitization trust	210	552	606	1,276
Payment of debt issuance costs	12	14	22	27
Extinguishment of convertible debt	-	-	-	64
Proceeds From Stock Options And Warrants Exercised	47	74	16	33
Payments of tax withholding for stock-based compensation	158	185	74	189
Repurchases of common stock	1	0	0	-
Net cash provided by financing activities	2,578	2,037	1,350	913
Effect of exchange rate changes on cash, cash equivalents and restricted cash	2	-5	0	-3
Net increase (decrease) in cash, cash equivalents and restricted cash	1,365	-142	-291	35
Cash payments for interest expense	42	52	163	318
Operating Lease, Payments	13	16	16	16
Income Taxes Paid	0	0	1	1
Share-Based Payment Arrangement, Amount Capitalized	14	55	80	127
Stock Issued	-	32	14	-
Securities retained under unconsolidated securitization transactions	-	55	-	59
Stock Issued, Business Combination	331	10	-	-
Right-of-Use Asset Obtained in Exchange for Operating Lease Liability	78	5	0	-
Capital Expenditures Incurred but Not yet Paid	0	0	-	-