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    Affirm Holdings Inc (AFRM)

    Official site

    FINANCIAL SERVICES • SOFTWARE - INFRASTRUCTURE • NASDAQ

    $68.11
    -1.55 (-2.23%)

    Market Cap: $23.50B

    Last updated: Nov 06, 2026 at 4:43 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    56%(14/25)
    Avg Surprise
    +54.58%
    Streak
    2 Q

    Upcoming Estimates

    Period ending Dec 31, 2026
    EPS Consensus$1.10
    Range$1.01 - $1.29
    5 analysts
    EPS Revisions
    2
    0
    7d
    2
    1
    30d
    EPS Estimate DriftChange to current
    90d ago$1.10-0.5%
    60d ago$1.07+2.4%
    30d ago$1.06+4.1%
    7d ago$1.100.0%
    Current$1.10
    Revenue Consensus
    $1.4B
    Range$1.3B - $1.5B
    28 analysts
    Last 12 of 27 reported quarters and 1 upcoming estimate
    PeriodReportedEst.RangeSurpriseB/MAnalystsRevisionsYoY
    Dec 26EST
    		-$1.10$1.01 - $1.29--5
    2
    1
    30d
    		-
    Sep 26
    Reported Nov 5
    		$0.47$0.35$0.25 - $0.50+34.29%Beat5
    5
    0
    30d
    		-23.0%
    Jun 26
    Reported Aug 27
    		$4.62$0.33$0.20 - $0.41+1300.00%Beat6
    0
    2
    30d
    		+777.2%
    Mar 26
    Reported May 7
    		$0.62$0.73$0.71 - $0.74-15.07%Miss4
    2
    3
    30d
    		+226.3%
    Dec 25
    Reported Feb 5
    		$0.72$0.84$0.65 - $0.92-14.29%Miss5
    0
    1
    30d
    		-5.3%
    Sep 25
    Reported Nov 6
    		$0.61$0.62$0.44 - $0.75-1.61%Miss5
    1
    0
    30d
    		+69.4%
    Jun 25
    Reported Aug 28
    		$0.53$0.12$0.12 - $0.12+328.91%Beat1
    0
    1
    30d
    		+476.2%
    Mar 25
    Reported May 8
    		$0.19N/A--52.50%Miss5
    No revisions (30d)
    		+146.3%
    Dec 24
    Reported Feb 6
    		$0.76$0.43$0.18 - $0.63+76.74%Beat3
    1
    0
    30d
    		+240.7%
    Sep 24
    Reported Nov 7
    		$0.36$0.17$-0.04 - $0.26+111.76%Beat10
    6
    0
    30d
    		+164.3%
    Jun 24
    Reported Aug 28
    		$-0.14N/A-+72.55%Beat11
    No revisions (30d)
    		+79.7%
    Mar 24
    Reported May 8
    		$-0.41$-0.30$-0.52 - $-0.13-36.67%Miss11
    1
    1
    30d
    		+28.1%
    Dec 23
    Reported Feb 8
    		$-0.54$-0.55$-0.69 - $-0.46+1.82%Beat12
    1
    2
    30d
    		+50.0%

    Key Metrics

    Valuation
    P/E Ratio10.59EV/EBITDA61.85x
    Price/FCF28.46xFCF Yield3.51%
    Profitability
    Profit Margin45.30%Operating Margin12.60%
    ROE45.10%ROIC2.45%
    Financial Health
    Debt/Equity3.37xInterest CoverageN/A
    Current Ratio5.62xQuick Ratio5.62x
    Trading Statistics
    Beta3.71Avg Volume4.25M
    52-Week High$90.4452-Week Low$42.09

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$72.27
    SMA 20$73.12
    SMA 50$72.54
    SMA 200$66.51
    EMA 10$71.93
    EMA 20$72.54
    EMA 50$72.98
    EMA 200$70.17

    MACD

    Line: -0.57Signal: -0.15Hist: -0.43

    ADX

    ADX: 10.4+DI: 24.1-DI: 24.8

    Aroon & PSAR

    Aroon Up24.0
    Aroon Down100.0
    PSAR$77.73

    Bollinger Bands

    Upper Band$78.55
    Lower Band$67.68
    %B Position1487%(Upper)
    Band Width0.04

    RSI (14-Day)

    Neutral
    41.5

    Momentum Oscillators

    Stoch %K35.0
    Stoch %D43.4
    Williams %R-82.5
    ROC (10d)-2.8%
    Momentum-1.97
    CCI (20d)-171.1
    MFI (14d)45.4

    Volatility Measures

    ATR (14d)$4.22(6.2%)
    StdDev (20d)2.72
    Hist Vol62.5%(High)

    Volume Flow

    VWAP$68.64
    OBV166.7M
    AD Line-52.0M
    CMF (20d)-0.215

    Volume Metrics

    Avg Vol (20d)4.1M
    Vol Ratio2.3x(High)
    VWMA (20d)$72.61

    Pivot Points

    R3$84.32
    R2$80.78
    R1$75.22
    Pivot Point$71.69
    S1$66.13
    S2$62.59
    S3$57.03

    Advanced Oscillators

    TSI-4.09
    Ultimate Osc39.6
    KST-5.39

    Financial Data

    QuarterSep 2026Jun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023
    Total Revenue$1.26B$1.17B$1.04B$1.12B$933.34M$876.42M$783.13M$866.38M$698.48M$659.18M$576.16M$591.11M
    Cost of Revenue$0N/A$0$0$0$282.94M$0$0$0$213.40M$0$0
    Gross Profit$1.26B$1.17B$1.04B$1.12B$933.34M$876.42M$783.13M$866.38M$698.48M$659.18M$576.16M$591.11M
    Operating Expenses$1.08B$1.02B$950.34M$1.01B$869.68M$818.35M$791.53M$870.70M$831.10M$734.37M$736.95M$763.21M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$140.56M$146.84M$145.30M$141.22M$144.94M$132.86M$134.30M$139.41M$138.48M$123.46M$128.72M$132.78M
    Operating Income$187.05M$147.26M$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
    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$205.05M$169.09M$107.38M$133.24M$83.02M$71.58M$5.34M$82.86M$-98,320,000$-44,139,000$-133,046,000$-167,602,000
    Income Tax Expense$40.89M$-1,447,521,000$4.48M$3.65M$2.33M$2.34M$2.54M$2.50M$1.90M$997,000$890,000$-700,000
    Net Income$164.17M$1.62B$102.90M$129.59M$80.69M$69.24M$2.80M$80.36M$-100,222,000$-45,136,000$-133,936,000$-166,902,000
    EBITDA$216.15M$186.95M$110.72M$141.91M$98.16M$88.66M$25.50M$99.68M$-83,325,000$23.26M$-132,911,000$-170,152,000
    EBIT$205.05M$169.09M$107.38M$133.24M$83.02M$71.58M$5.34M$82.86M$-98,320,000$-44,139,000$-133,046,000$-167,602,000
    * Some calculated fields are derived from available data when not provided by source

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    News

    Stock awards of 3,087 and 18,519 units go to Affirm (AFRM) accounting chief.

    Affirm Holdings, Inc. (AFRM) Chief Accounting Officer Siphelele Jiyane received two restricted stock unit (RSU) awards on November 2, 2026...

    Stock Titan•11/4/26•Neutral

    Affirm Holdings, Inc. (AFRM) stock price, news, quote and history

    This article provides a detailed overview of Affirm Holdings, Inc. (AFRM) stock, including its real-time price, historical data, and key financial metrics. It covers the company's business operations in credit services...

    Yahoo Finance UK•11/3/26•Neutral

    Weekly Recap: Q1 estimates and Morgan Stanley price-target cut

    Affirm Holdings, Inc. (AFRM) is set to report its fiscal Q1 results on November 5, with anticipated revenue of $1.21 billion and EPS of $0.38. Morgan Stanley cut its price target for Affirm to $79...

    TradingView•11/2/26•Somewhat-Bullish

    Weekly Recap: Sam's Club installment deal and Truist target $88

    Affirm Holdings (AFRM) has secured a multi-year deal with Sam's Club to provide BNPL services for purchases over $500, with real-time approvals and no late fees...

    TradingView•10/26/26•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 stocks, providing investors with options to gain exposure to the company. The list includes details such as market value...

    TradingView•10/20/26•Neutral

    AFRM Valuation and Fair Value

    P/E
    10.6x
    Forward P/E
    35.0x
    EV/EBITDA
    61.8x
    P/FCF
    28.5x
    PEG
    8.1x
    P/B
    4.0x
    See GNG's fair value

    AFRM Profitability: Margins, ROIC and FCF

    Gross margin
    100.0%
    Operating margin
    12.6%
    Net margin
    45.3%
    ROIC
    2.4%
    ROE
    45.1%
    FCF margin
    17.8%
    FCF yield
    3.5%

    AFRM Competitors

    CompanyTicker
    Samsara IncIOT
    Pure Storage IncPSTG
    CoreWeave, Inc. Class A Common StockCRWV
    Qnity Electronics, IncQ
    Jabil Inc.JBL
    Broadridge Financial Solutions IncBR
    Flex LtdFLEX
    Rubrik, Inc.RBRK

    Sector: Technology

    AFRM Analyst Ratings

    Consensus
    Buy
    Analysts
    36
    Strong Buy
    6
    Buy
    23
    Hold
    7
    Sell
    0
    Strong Sell
    0

    AFRM Bull Case vs Bear Case

    Bull case

    • AFRM converts 17.8% of revenue into free cash flow.
    • AFRM has a 45.3% net profit margin.
    • AFRM grew quarterly revenue 33.0% year over year.

    Bear case

    • AFRM has a debt-to-equity ratio of 3.4x.

    AFRM Earnings: Beat Rate and Next Report

    Beat rate
    4 of 8 quarters (50.0%)
    Average surprise
    207.1%
    EPS estimate (fiscal period ending Dec 31, 2026)
    $1.10
    Estimate revisions (30 days, fiscal period ending Dec 31, 2026)
    2 up, 1 down

    AFRM Earnings Date

    AFRM reports Feb 4, 2027. The date is confirmed.

    AFRM Earnings Call

    The latest AFRM earnings call transcript on file is labeled 2026Q3.

    Read the 2026Q3 transcript

    AFRM ETF Holders

    GNG tracks 17 ETFs that hold AFRM. The largest weights:

    1. ERShares Private-Public Crossover ETF (XOVR), 2.83% of the fund
    2. Invesco NASDAQ Next Gen 100 ETF (QQQJ), 1.07% of the fund
    3. Capital Group Growth ETF Share Class (CGGR), 0.55% of the fund
    4. iShares U.S. Industrials ETF (IYJ), 0.26% of the fund
    5. Vanguard Extended Market Index Fund ETF Shares (VXF), 0.26% of the fund
    Open the ETF Stock Exposure tool for AFRM

    See insider activity

    Frequently Asked Questions About AFRM

    When does AFRM report earnings?

    Affirm Holdings Inc (AFRM) is confirmed to report earnings on Feb 4, 2027.

    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 10.59.

    What is AFRM's market cap?

    Affirm Holdings Inc (AFRM) has a market capitalization of $23.50B with a current stock price of $68.11.

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