Affirm Holdings (STU:78P) Interest Expense: $-441.42 Mil (TTM As of Mar. 2026)


What is Affirm Holdings Interest Expense?

Affirm Holdings STU:78P 81 Interest Expense is $-441.42 Mil as of Mar. 2026. GuruFocus rates STU:78P with a GF Score™ of 81/100. The stock has 7 warning signs investors should review.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. Affirm Holdings's interest expense for the three months ended in Mar. 2026 was $ -113.76 Mil. Its interest expense for the trailing twelve months (TTM) ended in Mar. 2026 was $-441.42 Mil.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income(EBIT) by its Interest Expense. Affirm Holdings's Operating Income for the three months ended in Mar. 2026 was $ 202.19 Mil. Affirm Holdings's Interest Expense for the three months ended in Mar. 2026 was $ -113.76 Mil. Affirm Holdings's Interest Coverage for the quarter that ended in Mar. 2026 was 1.78. The higher the ratio, the stronger the company's financial strength is. Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Affirm Holdings  (STU:78P) Interest Expense Explanation

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense. The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Affirm Holdings's Interest Expense for the three months ended in Mar. 2026 was $-113.76 Mil. Its Operating Income for the three months ended in Mar. 2026 was $202.19 Mil. And its Long-Term Debt & Capital Lease Obligation for the three months ended in Mar. 2026 was $9,090.75 Mil.

Affirm Holdings's Interest Coverage for the quarter that ended in Mar. 2026 is calculated as

Interest Coverage=-1* Operating Income (Q: Mar. 2026 )/Interest Expense (Q: Mar. 2026 )
=-1*202.19/-113.762
=1.78

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

The higher the ratio, the stronger the company's financial strength is.

Affirm Holdings Interest Expense Historical Data

* Premium members only.

The historical data trend for Affirm Holdings's Interest Expense can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Affirm Holdings Interest Expense Chart

Affirm Holdings Annual Data
Trend Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Interest Expense
Get a 7-Day Free Trial -52.70 -69.69 -183.01 -344.25 -425.45

Affirm Holdings Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Interest Expense Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -107.63 -105.91 -110.03 -111.72 -113.76

Affirm Holdings Interest Expense Calculation

Interest Expense is the amount reported by a company or individual as an expense for borrowed money.

Interest Expense for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-441.42 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Interest Expense →
What does a Interest Expense of $-441.42 Mil mean?
Affirm Holdings (STU:78P) has a Interest Expense of $-441.42 Mil as of Mar. 2026. Interest Expense is the amount a company pays on its long-term debt. View historical data on Affirm Holdings and its competitors.
Is Affirm Holdings' Interest Expense too high?
Affirm Holdings' current Interest Expense is $-441.42 Mil. Overall, Affirm Holdings has a GF Score™ of 81/100, reflecting its overall financial health beyond just this single metric.
How does Affirm Holdings' Interest Expense compare to SYF and SOFI?
Affirm Holdings' Interest Expense of $-441.42 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Expense for a Credit Services company?
A good Interest Expense depends on the Credit Services industry context. However, Interest Expense should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Interest Expense mean?
A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on Affirm Holdings and its competitors. Affirm Holdings's current Interest Expense is $-441.42 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Affirm Holdings stock overvalued right now?
Affirm Holdings (STU:78P) has a current Interest Expense of $-441.42 Mil. The current Interest Expense is $-441.42 Mil. Affirm Holdings' overall GF Score™ is 81/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Expense calculated?
Interest Expense is calculated from a company's financial statements. For Affirm Holdings (STU:78P), the current Interest Expense is $-441.42 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Affirm Holdings Business Description

Address 650 California Street, San Francisco, CA, USA, 94108
Founded in 2012, Affirm is a market leader in the buy now, pay later space with around $36 billion in transaction volume in fiscal 2025. Affirm offers both zero-interest financing, which is merchant subsidized, and interest-bearing loans, which function as personal loans that are approved on a per-transaction basis. Over 70% of Affirm's transaction volume comes from its interest-bearing loans, which also constitute the majority of its revenue. Affirm primarily operates in the United States, which accounted for more than 95% of its revenue in 2025, but it has also expanded to Canada and the United Kingdom.