Affirm Holdings, Inc. (NASDAQ: AFRM) is a Financial Services company in the Financial - Credit Services industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
Latest market price
78.12
+2.49+3.29%
TA
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Snapshot
| Index | - | P/E | 71.02 | EPS (ttm) | 1.10 | Insider Own | 0.87% | Shs Outstand | 334.90M | Perf Week | 7.90% |
| Market Cap | 26.16B | Forward P/E | 30.23 | EPS next Y | 2.58 | Insider Trans | -3.55% | Shs Float | 281.25M | Perf Month | -8.93% |
| Enterprise Value | 32.11B | PEG | 2.24 | EPS next Q | 0.35 | Inst Own | - | Short Float | 5.95% | Perf Quarter | 16.46% |
| Income | 383.00M | P/S | 6.59 | EPS this Y | 63.63% | Inst Trans | - | Short Ratio | 3.41 | Perf Half Y | 26.02% |
| Sales | 3.97B | P/B | 6.92 | EPS next Y | 43.57% | ROA | 2.91% | Short Interest | 16.73M | Perf YTD | 4.96% |
| Book/sh | 11.30 | P/C | 8.81 | EPS next 5Y | 31.65% | ROE | 11.17% | 52W High | 100.00 -21.88% | Perf Year | 17.63% |
| Cash/sh | 8.86 | P/FCF | 30.43 | EPS past 3/5Y | - | ROIC | 10.85% | 52W Low | 42.10 85.56% | Perf 3Y | 352.35% |
| Dividend Est. | - | EV/EBITDA | 28.77 | Sales past 3/5Y | 33.70% 44.60% | Gross Margin | 67.71% | Volatility | 5.34% 4.24% | Perf 5Y | 31.29% |
| Dividend TTM | - | EV/Sales | 8.09 | EPS Y/Y TTM | 165.87% | Oper. Margin | 11.12% | ATR (14) | 3.74 | Perf 10Y | - |
| Dividend Ex-Date | - | Quick Ratio | 717.00 | Sales Y/Y TTM | 70.94% | Profit Margin | 9.63% | RSI (14) | 55.15 | Recom | 2.37 |
| Dividend Gr. 3/5Y | - | Current Ratio | 717.00 | EPS Q/Q | 60.87% | SMA20 | 1.99% | Beta | 3.59 | Target Price | 89.47 |
| Payout | 0.00% | Debt/Eq | 2.56 | Sales Q/Q | 32.69% | SMA50 | 4.93% | Rel Volume | 0.68 | Prev Close | 75.63 |
| Employees | 2,206 | LT Debt/Eq | 2.56 | Earnings | Aug 27 | SMA200 | 18.10% | Avg Volume | 4.53M | Price | 78.12 |
| IPO Date | Jan 13, 2021 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 38.37% 6.37% | Net Debt/EBITDA | 5.77 | Volume | 3,062,310 | Change | 3.29% |
Analyst Ratings
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Jul-24-26 | Reiterated | Truist Securities | Buy | $75 → $83 |
| Jul-21-26 | Initiated | Bernstein | Outperform | $100 |
| Jul-17-26 | Reiterated | Compass Point | Buy | $68 → $100 |
| Jul-14-26 | Reiterated | Robert W. Baird | $70 → $82 | |
| Jul-09-26 | Reiterated | Goldman Sachs | Buy | $83 → $106 |
| Jul-08-26 | Initiated | Barclays | Overweight | $54 → $97 |
| Jun-29-26 | Initiated | Piper Sandler | Overweight | $16 → $103 |
| Jun-25-26 | Downgrade | Morgan Stanley | Overweight → Equal Weight | |
| Jun-25-26 | Reiterated | Susquehanna | Positive | $100 → $105 |
| May-10-26 | Reiterated | Morgan Stanley | Overweight | $76 → $79 |
Latest News
Jul-29-26
06:51PM
04:20AM
Affirm: The Apex Predator Of Buy-Now-Pay-LaterSeekingAlpha
Jul-28-26
Jul-25-26
Jul-25-2603:49AM
Jul-22-26
12:31PM
10:40AM
Jul-21-26
Jul-21-2610:02AM
Jul-18-26
Jul-18-2603:09AM
Jul-16-26
Jul-16-2608:07AM
Jul-14-26
Jul-13-26
10:15AM
Affirm: Easy Money Will Be Gone By The Time It Feels Safeseekingalpha.com
Company
Affirm Holdings, Inc. provides a digital and mobile-first commerce platform that operates across the United States and Canada. This platform offers consumers a point-of-sale financing solution, delivers various tools for merchants, and includes a dedicated mobile application for users. Leveraging its payment network and partnerships with originating banks, the company enables customers to spread the cost of their purchases over time, with payment terms ranging from a single month up to forty-eight months. By June 30, 2021, approximately 29,000 merchants had integrated Affirm's services, representing a diverse array of businesses from small enterprises and large corporations to direct-to-consumer brands and traditional physical stores. These businesses span numerous industries, including sporting goods, home furnishings, travel, apparel, accessories, consumer electronics, and jewelry. Affirm was founded in 2012 and is based in San Francisco, California.
Ownership
Per-holder 13F data hasn't been ingested for this ticker yet.
Financial Statements
DataTimeframe
| Line Item (USD, M) | TTM — | FY 2025 6/30/2025 | FY 2024 6/30/2024 | FY 2023 6/30/2023 | FY 2022 6/30/2022 | FY 2021 6/30/2021 | FY 2020 6/30/2020 | FY 2019 6/30/2019 | |
|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 3,971 | 3,224 | 2,323 | 1,588 | 1,349 | 870 | 510 | 264 | |
| Cost of Goods Sold Incl. D&A | 1,282 | 1,048 | 845 | 873 | 576 | 323 | 172 | 109 | |
| Gross Profit | 2,689 | 2,177 | 1,478 | 715 | 773 | 548 | 337 | 156 | |
| Selling, General and Administrative Excl. Other | 893 | 980 | 1,102 | 1,225 | 1,110 | 566 | 146 | 106 | |
| Research and Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 71 | |
| Other Operating Expense | 1,355 | 1,284 | 992 | 691 | 529 | 365 | 299 | 80 | |
| Operating Income | 442 | -87 | -616 | -1,201 | -866 | -384 | -108 | -102 | |
| Interest Expense | 442 | 425 | 344 | 183 | 70 | 53 | 32 | 26 | |
| Unusual Expense | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 394 | 574 | 445 | 395 | 211 | -7 | 28 | 7 | |
| Net Income Before Taxes | 395 | 61 | -516 | -989 | -725 | -443 | -112 | -120 | |
| Income Taxes | 12 | 9 | 2 | -4 | -17 | -2 | 0 | 0 | |
| Consolidated Net Income | 383 | 52 | -518 | -985 | -707 | -441 | -113 | -120 | |
| Net Income From Continuing Operations | 383 | 52 | -518 | -985 | -707 | -441 | -113 | -120 | |
| Net Income | 383 | 52 | -518 | -985 | -707 | -441 | -113 | -120 | |
| EPS (Recurring) | 1.15 | 0.16 | -1.67 | -3.34 | -2.51 | -1.64 | -0.44 | -0.47 | |
| EPS (Basic, Before Extraordinaries) | 1.15 | 0.16 | -1.67 | -3.34 | -2.51 | -1.64 | -0.44 | -0.47 | |
| EPS (Diluted) | 1.10 | 0.15 | -1.67 | -3.34 | -2.51 | -1.64 | -0.44 | -0.47 | |
| EBITDA | 1,116 | 712 | -2 | -672 | -602 | -371 | -70 | -89 | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 71.02 | 460.93 | — | — | — | — | — | — | |
| Price To Sales Ratio | 6.63 | 6.93 | 4.03 | 2.85 | 3.78 | 20.82 | — | — | |
| Gross Margin | 67.72 | 67.52 | 63.62 | 45.03 | 57.30 | 62.99 | 66.08 | 59.09 | |
| Operating Margin | 11.13 | -2.70 | -26.52 | -75.63 | -64.20 | -44.14 | -21.18 | -38.64 | |
| Net Margin | 9.64 | 1.61 | -22.30 | -62.03 | -52.41 | -50.69 | -22.16 | -45.45 | |
| Shares Outstanding | 337 | 323 | 310 | 295 | 282 | 269 | 257 | 257 | |
| Market Capitalization | 26,326 | 22,332 | 9,365 | 4,522 | 5,093 | 18,117 | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — |
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Insider Trading Volume
Insider Trading
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| Adkins Katherine | Chief Legal Officer | Aug 01 '26 | Option Exercise | 0.00 | 1,401 | 0 | 147,274 | Aug 04 |
| Michalek Libor | President | Aug 01 '26 | Option Exercise | 0.00 | 2,335 | 0 | 226,086 | Aug 04 |
| Linford Michael | Chief Operating Officer | Aug 01 '26 | Option Exercise | 0.00 | 2,335 | 0 | 121,683 | Aug 04 |
| Michalek Libor | President | Jul 01 '26 | Option Exercise | 0.00 | 2,336 | 0 | 224,940 | Jul 06 |
| Linford Michael | Chief Operating Officer | Jul 01 '26 | Option Exercise | 0.00 | 2,336 | 0 | 120,320 | Jul 06 |
| Adkins Katherine | Chief Legal Officer | Jul 01 '26 | Option Exercise | 0.00 | 1,402 | 0 | 146,508 | Jul 06 |
| Linford Michael | Chief Operating Officer | Jun 26 '26 | Option Exercise | 5.39 | 100,000 | 539,000 | 217,984 | Jun 30 |
| Linford Michael | Chief Operating Officer | Jun 26 '26 | Sale | 80.04 | 100,000 | 8,004,000 | 117,984 | Jun 30 |
| Watson Noel Bertram | Director | May 13 '26 | Sale | 65.00 | 2,000 | 130,000 | 36,076 | May 14 |
| Michalek Libor | President | May 01 '26 | Option Exercise | 0.00 | 2,336 | 0 | 218,113 | May 05 |
| Adkins Katherine | Chief Legal Officer | May 01 '26 | Option Exercise | 0.00 | 1,401 | 0 | 139,943 | May 05 |
| Linford Michael | Chief Operating Officer | May 01 '26 | Option Exercise | 0.00 | 2,336 | 0 | 111,907 | May 05 |
| Watson Noel Bertram | Director | Apr 14 '26 | Sale | 55.00 | 2,000 | 110,000 | 38,076 | Apr 16 |
| Adkins Katherine | Chief Legal Officer | Apr 01 '26 | Option Exercise | 0.00 | 1,401 | 0 | 139,176 | Apr 02 |
| Michalek Libor | President | Apr 01 '26 | Option Exercise | 0.00 | 2,335 | 0 | 216,615 | Apr 02 |
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