A

    Affirm Holdings Inc (AFRM)

    Official site

    FINANCIAL SERVICES • SOFTWARE - INFRASTRUCTURE • NASDAQ

    $74.45
    -3.31 (-4.26%)

    Market Cap: $25.12B

    Last updated: Sep 01, 2026 at 5:00 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    54%(13/24)
    Avg Surprise
    +55.42%
    Streak
    1 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.85
    Range$0.70 - $0.97
    5 analysts
    EPS RevisionsNo revisions (7d)
    0
    1
    30d
    EPS Estimate Drift
    90d ago$0.96+13.2%
    60d ago$0.87+3.1%
    30d ago$0.87+3.1%
    7d ago$0.85+0.0%
    Current$0.85
    Revenue Consensus
    $1.2B
    Range$1.1B - $1.2B
    25 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Sep 26EST
    		-$0.85---
    Jun 26
    Reported Aug 27
    		$4.62$0.33+1300.00%Beat+777.2%
    Mar 26
    Reported May 7
    		$0.62$0.73-15.07%Miss+226.3%
    Dec 25
    Reported Feb 5
    		$0.72$0.84-14.29%Miss-5.3%
    Sep 25
    Reported Nov 6
    		$0.61$0.62-1.61%Miss+69.4%
    Jun 25
    Reported Aug 28
    		$0.53$0.12+328.91%Beat+476.2%
    Mar 25
    Reported May 8
    		$0.19N/A-52.50%Miss+146.3%
    Dec 24
    Reported Feb 6
    		$0.76$0.43+76.74%Beat+240.7%
    Sep 24
    Reported Nov 7
    		$0.36$0.17+111.76%Beat+164.3%
    Jun 24
    Reported Aug 28
    		$-0.14N/A+72.55%Beat+79.7%
    Mar 24
    Reported May 8
    		$-0.41$-0.30-36.67%Miss+28.1%
    Dec 23
    Reported Feb 8
    		$-0.54$-0.55+1.82%Beat+50.0%
    Sep 23
    Reported Nov 8
    		$-0.56$-0.61+8.20%Beat+34.9%
    Jun 23
    Reported Aug 24
    		$-0.69$-0.85+18.82%Beat-6.2%
    Mar 23
    Reported May 9
    		$-0.57$-0.85+32.94%Beat-200.0%
    Dec 22
    Reported Feb 8
    		$-1.08$-0.99-9.09%Miss-89.5%
    Sep 22
    Reported Nov 8
    		$-0.86$-0.83-3.61%Miss+23.9%
    Jun 22
    Reported Aug 25
    		$-0.65$-0.73+10.96%Beat-35.4%
    Mar 22
    Reported May 12
    		$-0.19N/A+51.28%Beat+81.0%
    Dec 21
    Reported Feb 10
    		$-0.57$-0.22-159.09%Miss-42.5%
    Sep 21
    Reported Nov 10
    		$-1.13$-0.30-276.67%Miss-907.1%
    Jun 21
    Reported Sep 9
    		$-0.48$-0.29-65.52%Miss+24.1%
    Mar 21
    Reported May 10
    		$-1.00$-0.27-270.37%Miss-57.2%
    Dec 20
    Reported Jan 14
    		$-0.40N/A+50.62%Beat-
    Sep 20
    Reported Oct 8
    		$0.14$-0.20+170.00%Beat-
    Jun 20
    Reported Sep 30
    		$-0.63$0.00N/AMiss-
    Jun 19
    Reported Sep 30
    		$-0.64$0.00N/AMiss-

    Key Metrics

    Valuation
    P/E Ratio11.33EV/EBITDA26.70x
    Price/FCF25.29xFCF Yield3.95%
    Profitability
    Profit Margin45.30%Operating Margin12.60%
    ROE45.10%ROIC1.87%
    Financial Health
    Debt/Equity4.39xInterest CoverageN/A
    Current Ratio5.56xQuick Ratio5.56x
    Trading Statistics
    Beta3.62Avg Volume4.74M
    52-Week High$93.2052-Week Low$42.09

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$76.40
    SMA 20$76.46
    SMA 50$77.24
    SMA 200$66.51
    EMA 10$76.41
    EMA 20$76.25
    EMA 50$75.04
    EMA 200$68.94

    MACD

    Line: 0.23Signal: 0.23Hist: -0.01

    ADX

    ADX: 12.2+DI: 33.7-DI: 24.7

    Aroon & PSAR

    Aroon Up96.0
    Aroon Down8.0
    PSAR$90.44

    Bollinger Bands

    Upper Band$79.70
    Lower Band$73.22
    %B Position849%(Upper)
    Band Width0.19

    RSI (14-Day)

    Neutral
    46.5

    Momentum Oscillators

    Stoch %K38.4
    Stoch %D50.9
    Williams %R-83.2
    ROC (10d)-0.1%
    Momentum-0.07
    CCI (20d)-129.9
    MFI (14d)68.2

    Volatility Measures

    ATR (14d)$4.15(5.6%)
    StdDev (20d)1.62
    Hist Vol48.7%(High)

    Volume Flow

    VWAP$74.21
    OBV136.1M
    AD Line13.1M
    CMF (20d)-0.327

    Volume Metrics

    Avg Vol (20d)4.8M
    Vol Ratio2.4x(High)
    VWMA (20d)$76.61

    Pivot Points

    R3$99.12
    R2$94.78
    R1$86.27
    Pivot Point$81.93
    S1$73.42
    S2$69.08
    S3$60.57

    Advanced Oscillators

    TSI1.62
    Ultimate Osc35.4
    KST-6.18

    Financial Data

    QuarterMar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023Jun 2023
    Total Revenue$1.04B$1.12B$933.34M$876.42M$783.13M$866.38M$698.48M$659.18M$576.16M$591.11M$496.55M$445.82M
    Cost of Revenue$0$0$0$282.94M$0$0$0$213.40M$0$0$0$223.56M
    Gross Profit$1.04B$1.12B$933.34M$876.42M$783.13M$866.38M$698.48M$659.18M$576.16M$591.11M$496.55M$445.82M
    Operating Expenses$950.34M$1.01B$869.68M$818.35M$791.53M$870.70M$831.10M$734.37M$736.95M$763.21M$704.33M$689.65M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$145.30M$141.22M$144.94M$132.86M$134.30M$139.41M$138.48M$123.46M$128.72M$132.78M$140.33M$127.52M
    Operating Income$88.43M$117.63M$63.66M$58.06M$-8,393,000$-4,322,000$-132,623,000$-73,460,000$-160,789,000$-172,151,000$-209,447,000$-243,828,000
    Interest Income$0$0$0$0$0$0$0$0$0$0$0$0
    Interest Expense$0$0$0$0$0$0$0$0$0$0$0$0
    Income Before Tax$107.38M$133.24M$83.02M$71.58M$5.34M$82.86M$-98,320,000$-44,139,000$-133,046,000$-167,602,000$-170,740,000$-207,278,000
    Income Tax Expense$4.48M$3.65M$2.33M$2.34M$2.54M$2.50M$1.90M$997,000$890,000$-700,000$1.04M$-1,316,000
    Net Income$102.90M$129.59M$80.69M$69.24M$2.80M$80.36M$-100,222,000$-45,136,000$-133,936,000$-166,902,000$-171,783,000$-205,962,000
    EBITDA$110.72M$141.91M$98.16M$88.66M$25.50M$99.68M$-83,325,000$23.26M$-132,911,000$-170,152,000$-156,776,000$-185,296,000
    EBIT$107.38M$133.24M$83.02M$71.58M$5.34M$82.86M$-98,320,000$-44,139,000$-133,046,000$-167,602,000$-170,740,000$-207,278,000
    * Some calculated fields are derived from available data when not provided by source

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    News

    Affirm Holdings Submits 2026 Fiscal Year 10-K Annual Report to SEC

    Affirm Holdings, Inc. filed its annual Form 10-K report with the SEC on August 27, 2026, detailing financial results for the fiscal year ending June 30, 2026. The report highlights the company's status as a large accelerated filer and well-known seasoned issuer, with approximately $20.8 billion in Class A common stock held by non-affiliates as of December 31, 2025. Affirm also confirmed compliance with all Exchange Act reporting requirements and timely submission of Interactive Data Files.

    Kalkine Media•8/28/26•
    Neutral

    Bank of New York Mellon Corp Acquires Shares of 921,164 Affirm Holdings, Inc. $AFRM

    Bank of New York Mellon Corp has acquired a significant new stake in Affirm Holdings, Inc. (NASDAQ:AFRM), purchasing 921,164 shares valued at approximately $75.1 million during the second quarter. This acquisition gives Bank of New York Mellon a 0.28% stake in Affirm, contributing to the 69.29% institutional and hedge fund ownership of the company. Affirm's stock has seen positive analyst sentiment with a "Moderate Buy" rating and an average price target of $93.58, despite a recent insider share sale by COO Michael Linford.

    MarketBeat•8/26/26•
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    Odyssean LLC Has $3.59 Million Stock Position in Affirm Holdings, Inc. $AFRM

    Odyssean LLC significantly increased its stake in Affirm Holdings, Inc. by 139.1% in Q2, bringing its total holdings to 43,968 shares valued at approximately $3.59 million. This makes Affirm the 5th largest holding for Odyssean LLC. Despite an insider sale by COO Michael Linford, analysts maintain a "Moderate Buy" consensus with an average price target of $93.58 for Affirm.

    MarketBeat•8/26/26•
    Somewhat-Bullish

    ETFs Investing in Affirm Holdings, Inc. Class A Stocks

    This article lists various Exchange Traded Funds (ETFs) that hold Affirm Holdings, Inc. Class A (AFRM) stocks. It provides a detailed table including each ETF's market value, weight of AFRM stock, issuer, management style, focus, expense ratio, assets under management (AUM), price, change percentage, relative volume, and 3-year NAV total return. The information aims to help investors identify ETFs offering diversified exposure to AFRM with lower risk.

    TradingView•8/23/26•
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    Affirm Holdings, Inc. Class A Trade Ideas — LSX:A2QL1G

    This article compiles various trade ideas and analyses for Affirm Holdings, Inc. (AFRM) from different traders on TradingView. The ideas range from identifying potential reversals and long opportunities based on technical indicators and fundamentals, to expressing bearish sentiments or targeting specific price points. Several contributors highlight Affirm's "Buy Now, Pay Later" business model and growth potential despite current unprofitability.

    TradingView•8/20/26•
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    Frequently Asked Questions About AFRM

    Does AFRM pay dividends?
    Affirm Holdings Inc (AFRM) does not currently pay a regular dividend.
    What is AFRM's P/E ratio?
    Affirm Holdings Inc has a price-to-earnings (P/E) ratio of 11.33.
    What is AFRM's market cap?
    Affirm Holdings Inc (AFRM) has a market capitalization of $25.12B with a current stock price of $74.45.

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