Affirm Holdings, Inc. [Rocket]

In millions, except per share items	Jun-30-23	Jun-30-22	Jun-30-21	Jun-30-20	Jun-30-19
	10-K	10-K	10-K	10-K	10-K
Interest income on loans	561.2	366.0	237.5	163.4	103.7
Total interest income	685.2	527.9	326.4	186.7	119.4
Total interest expense	183.0	69.7	52.7	32.3	25.9
Net interest income	868.2	597.6	379.1	219.0	145.3
Net interest income after provision for loan losses	868.2	597.6	379.1	219.0	145.3
Total non-interest income	188.3	196.4	89.9	31.9	-0.4
Pre-tax income before non-recurring items	-953.4	-724.8	-443.4	-112.2	-120.4
Non-recurring items	35.9
Pre-tax income	-989.2	-724.8	-443.4	-112.2	-120.4
Income taxes	-3.9	-17.4	-2.3	0.4	0.0
Tax rate	0.4%	2.4%	0.5%
Net income	-985.3	-707.4	-441.0	-125.8	-134.6
Net margin	-62.1%	-52.4%	-50.7%	-24.7%	-50.9%

Basic EPS	($3.34)	($2.51)	($2.78)	($2.63)	($2.84)
Diluted EPS	($3.34)	($2.51)	($2.77)	($2.63)	($2.84)

Shares outstanding (basic)	295.3	281.7	158.4	47.9	47.3
Shares outstanding (diluted)	295.3	281.7	159.2	47.9	47.3

EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.