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Affirm Holdings, Inc. (AFRM)

73.32 +0.64 (+0.88%)
At close: October 28 at 4:00:01 PM EDT
73.18 -0.14 (-0.19%)
Pre-Market: 4:56:20 AM EDT
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What's happening with AFRM?

12m ago
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Affirm enters its fiscal first-quarter report with improving earnings expectations, expanding merchant distribution, and stronger transaction growth. Recent coverage includes Zacks’ renewed Rank #1 Strong Buydesignation, analyst target changes, and an upcoming Sam’s Club rollout. AFRM is currently up 0.88% in regular-session trading on October 29, 2026, based on the supplied market data.

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  • Previous Close 72.68
  • Open 72.52
  • Bid 67.16 x 200
  • Ask 78.05 x 200
  • Day's Range 71.53 - 73.71
  • 52 Week Range 42.10 - 90.44
  • Volume 2,309,169
  • Avg. Volume 4,240,338
  • Market Cap (intraday) 24.74B
  • Beta (5Y Monthly) 3.82
  • PE Ratio (TTM) 13.26
  • EPS (TTM) 5.53
  • Earnings Date Nov 5, 2026
  • Forward Dividend & Yield -- (0.00%)
  • 1y Target Est 98.33
  • Morningstar Rating Rating available with Stock Picks access

Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. Its platform offers pay-over-time solutions at checkout for both consumers and merchants. The company's commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time. It has active merchants covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies with an omni-channel presence. The company's merchants represent a range of industries, including electronics; equipment and auto; fashion and beauty; general merchandise; home and lifestyle services; sporting goods and outdoors; and travel and ticketing. Affirm Holdings, Inc. was founded in 2012 and is headquartered in San Francisco, California.

www.affirm.com

2,358

Full Time Employees

June 30

Fiscal Year Ends

Credit Services

Industry

Recent News

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Performance Overview

Trailing total returns as of 10/28/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC) .

YTD Return

AFRM
1.49%
S&P 500 (^GSPC)
13.13%

1-Year Return

AFRM
3.42%
S&P 500 (^GSPC)
12.38%

3-Year Return

AFRM
333.08%
S&P 500 (^GSPC)
88.08%

5-Year Return

AFRM
54.71%
S&P 500 (^GSPC)
68.48%

Earnings Trends

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Earnings Per Share

GAAP
Normalized
GAAP
Normalized

Revenue vs. Earnings

Annual
Quarterly
Annual
Quarterly
Q4 FY26
Revenue 1.17B
Earnings 1.62B
Profit Margin 138.65%

Q1

FY26

Q2

FY26

Q3

FY26

Q4

FY26

0
500M
1B
2B
50.0%
100.0%

Analyst Insights

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Analyst Price Targets

66.00
98.33 Average
73.32 Current
115.00 High

Analyst Recommendations

  • Strong Buy
  • Buy
  • Hold
  • Underperform
  • Sell

Latest Rating

Date 10/26/2026
Analyst Morgan Stanley
Rating Action Maintains
Rating Equal-Weight
Price Action Lowers
Price Target 82 -> 79

Statistics

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Valuation Measures

Annual
  • Market Cap

  • Enterprise Value

  • Trailing P/E

  • Forward P/E

  • PEG Ratio (current)

  • Price/Sales (ttm)

  • Price/Book (mrq)

  • Enterprise Value/Revenue

  • Enterprise Value/EBITDA

Financial Highlights

Profitability and Income Statement

  • Profit Margin

    45.29%

  • Return on Assets (ttm)

    1.93%

  • Return on Equity (ttm)

    45.13%

  • Revenue (ttm)

    4.26B

  • Net Income Avi to Common (ttm)

    1.93B

  • Diluted EPS (ttm)

    5.53

Balance Sheet and Cash Flow

  • Total Cash (mrq)

    1.7B

  • Total Debt/Equity (mrq)

    182.77%

  • Levered Free Cash Flow (ttm)

    478.68M

Company Insights

Research Reports

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