Affirm Holdings, Inc. (AFRM)

NASDAQ: AFRM · USD

$73.3

+0.61 (+0.8%)· Recorded snapshot

Market cap	24.7B
Revenue (ttm)	4.3B
Net income (ttm)	1.9B
EPS (ttm)	$5.53
Shares out	337.4M
P/E (trailing)	13.2x
P/E (forward)	36.5x
Volume	1,888,263
Beta	3.82

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 4.3B
Net income (ttm): 1.9B
EPS (ttm): $5.53
P/E (trailing): 13.2x
P/E (forward): 36.5x
Market cap: 24.7B

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Активно покупать
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Активно покупать
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Держать

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E36.5

P25 n/aP50 n/aP75 n/a

Trailing P/E13.2

P25 n/aP50 n/aP75 n/a

ROE45.1

P25 n/aP50 n/aP75 n/a

ROIC3.3

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All AFRM indicators

Market & fundamental data

Available fields

251

Groups with data

Currency

USD

Showing 251 of 251 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001820953
Company name	Affirm Holdings, Inc.
Country	United States
Country code	US
CUSIP number	00827B106
Earnings date	2026-11-05
Earnings time	amc
Employees	2,358
Employees change	152
Employees growth	6.89%
Enterprise value	$33.1B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	June
Founded	2012
Industry	Credit Services
IPO date	2021-01-13
Is primary listing	Yes
Is SPAC	No
ISIN number	US00827B1061
Last 10-K release date	2026-08-27
Last earnings date	2026-08-27
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$24.7B
Market cap category	Large-Cap
Next earnings date	2026-11-05
Options	Yes
Price	$73.29
Price currency	USD
Sector	Financials
SIC code	6141
Stock price date	2026-10-28
Symbol	AFRM
U.S. state	California
Website	https://www.affirm.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	10.6x
Earnings yield	7.55%
EV/Earnings	16.89x
EV/EBIT	78.15x
EV/EBITDA	44.09x
EV/FCF	32.83x
EV/Sales	7.65x
FCF / EV yield	3.05%
FCF yield	4.09%
Forward EV/Sales	5.94x
Forward P/E	36.5x
Forward P/S	4.43x
Graham number	44.99279
Graham upside	-37.44%
Industry forward P/E	19.57x
Industry P/E	22.74x
P/(FCF - SBC) ratio	35.27x
P/(OCF - SBC) ratio	26.2x
P/B ratio	4.47x
P/E ratio	13.25x
P/FCF ratio	24.45x
P/OCF ratio	19.71x
P/S ratio	5.7x
PEG ratio	18.1x
Price / tangible book value	4.92x
Price/EBITDA ratio	32.83x
Sector forward P/E	13.61x
Sector P/E	15.68x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	9.79%
EBITDA margin	17.35%
FCF margin	23.3%
Gross margin	48.93%
Operating margin	9.79%
Pretax margin	11.56%
Profit margin	45.29%
Profit per employee	$818,402
Profitable quarters	7
Profitable years	2
Revenue per employee	$1.8M
ROA	1.93%
ROA (5Y)	-4.33%
ROCE	2.68%
ROE	45.13%
ROE (5Y)	-7.65%
ROIC	3.35%
ROIC (5Y)	-9.03%
SBC / revenue	7.15%
Tax / revenue	-33.73%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	3,515%
EPS growth (Q)	2,186.92%
EPS growth (QoQ)	1,463.78%
EPS growth quarters	12
EPS growth years	3
FCF growth	64.97%
FCF growth (Q)	875%
FCF growth (QoQ)	-29.47%
Gross profit growth	40.67%
Gross profit growth (Q)	38.58%
Gross profit growth 3Y	45.6%
Gross profit growth 5Y	37.03%
Net income growth	3,597.91%
Net income growth (Q)	2,234.66%
Net income growth (QoQ)	1,471.05%
Net income growth quarters	12
Net income growth years	3
OCF growth	55.05%
OCF growth (Q)	296.81%
OCF growth (QoQ)	-23.37%
OCF growth 3Y	365.79%
Operating income growth (Q)	153.62%
Revenue growth	32.15%
Revenue growth (Q)	33.04%
Revenue growth (QoQ)	12.24%
Revenue growth 3Y	38.96%
Revenue growth 5Y	37.39%
Revenue growth quarters	24
Revenue growth years	7

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-238.3M
Depreciation and amortization	$322.2M
EBIT	$417M
EBITDA	$739.2M
EPS	$5.53
FCF per share	$2.94
Financing cash flow	$2B
Free cash flow	$992.6M
Free cash flow minus SBC	$688M
Gross profit	$2.1B
Income taxes	$-1.4B
Investing cash flow	$-2.6B
Net borrowing	$2.2B
Net cash flow	$676.6M
Net income	$1.9B
Operating cash flow minus SBC	$926.3M
Operating income	$417M
Revenue	$4.3B
Stock-based compensation	$304.7M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Altman Z-Score	1.76
Book value per share	$16.26
Debt / EBITDA	13.4
Debt / equity	1.83
Debt / FCF	10.1
Goodwill	$524.5M
Interest coverage	38.71
Long-term assets	$12.9B
Long-term liabilities	$10.1B
Net cash (debt)	$-8.3B
Net cash / market cap	-34.29%
Net debt / EBITDA	11.26
Net debt / equity	1.52
Net debt / FCF	8.38
Piotroski F-Score	5
Property, plant and equipment	$708.8M
Shareholders' equity	$5.5B
Tangible book value	$4.9B
Tangible book value per share	$14.63
Total assets	$15.8B
Total cash	$1.7B
Total debt	$10B
Total liabilities	$10.3B
WACC	17.89%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.32
Current assets	$2.8B
Current liabilities	$237.5M
Current ratio	11.98
Net working capital	$910.1M
Quick ratio	8.36
Working capital	$2.6B
Working capital turnover	1.81

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-2.29%
Dividend yield	0%
Shareholder yield	-2.29%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	$70.11
1D price change	0.84%
1M price change	2.48%
1M total return	2.48%
1W price change	-0.3%
1W total return	-0.3%
1Y price change	-4.13%
1Y return CAGR	-4.14%
1Y total return	-4.13%
20-day SMA	$73.95
200-day SMA	$66.52
3M price change	0.33%
3M total return	0.33%
3Y price change	332.9%
3Y return CAGR	62.96%
3Y total return	332.9%
50-day SMA	$73.16
50-day SMA vs 200-day SMA	50over200
52-week high	$90.44
52-week high date	2026-08-28
52-week low	$42.10
52-week low date	2026-03-27
5Y price change	-51.51%
5Y return CAGR	-13.48%
5Y total return	-51.51%
6M price change	12.53%
6M total return	12.53%
All-time high	$176.65
All-time high date	2021-11-08
All-time low	$8.62
All-time low date	2022-12-22
Average true range (ATR)	$3.52
Average volume	3.7M
Beta (1Y)	3.09
Beta (2Y)	2.65
Beta (5Y)	3.82
Change from 52-week high	-18.96%
Change from 52-week low	74.11%
Change from all-time high	-58.51%
Change from all-time low	750.23%
Change from open	0.4%
Day's gap	0.44%
Dollar volume	$138.4M
High price	$73.58
Low price	$71.60
Monthly RSI	55.44
Open price	$73.00
Position in 52-week range	85.35%
Premarket change	-0.67%
Premarket close	$72.68
Premarket price	$72.19
Premarket volume	3.5K
Previous close	$72.68
Price vs 150-day SMA	4.54%
Price vs 20-day SMA	-0.9%
Price vs 200-day SMA	10.17%
Price vs 50-day SMA	0.18%
Relative volume	0.52
Return from IPO open	-20.88%
Return from IPO price	46.78%
RSI	50.42
Sharpe ratio	0.16
Sharpe ratio (3Y)	0.93
Sharpe ratio (5Y)	0.25
Sortino ratio	0.33
Sortino ratio (3Y)	1.58
Sortino ratio (5Y)	0.45
Volume	1.9M
Weekly RSI	52.01
YTD price change	-1.53%
YTD total return	-1.53%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	283.8M
Float percentage	84.1%
Shares change (QoQ)	0.47%
Shares change (YoY)	2.29%
Shares held by insiders	8.96%
Shares held by institutions	78.03%
Shares outstanding	337.4M
Short % of float	6.3%
Short % of shares	5.3%
Short ratio	3.8 days

Deeper analysis on AFRM

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this AFRM report

Is a complete AFRM research report available?

No complete published report is available for Affirm Holdings, Inc. (AFRM) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Affirm Holdings, Inc. (AFRM)

Price

Financial snapshot

Fair-value bridge

Latest news · AFRM

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All AFRM indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on AFRM

Frequently asked questions