AFRM — Affirm Holdings, Inc.

Nasdaq · Financials · Consumer Finance · CIK 1820953 ·
Last close
$76.88
Market Cap
$22.63B
52W High
$86.80
52W Low
$61.18
ADV30
3,186,841
Next earnings
2026-08-27
Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. Its platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. 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 sporting goods and outdoors, home and lifestyle, travel and ticketing, electronics, fashion and beauty, equipment and auto, and general merchandise. Affirm Holdings, Inc. was founded in 2012 and is headquartered in San Francisco, California.

Quarterly Fundamentals

Revenues vs Net Income (last 4 Q)

Assets vs Liabilities (last 4 Q)

PeriodRevenuesGrossProfit OpIncomeNetIncomeAssets CashLiabilities
Mar 2026 1,038,765,000 684,855,000 202,190,000 102,900,000 13,141,580,000 1,723,413,000 9,358,170,000
Dec 2025 1,123,020,000 779,567,000 229,344,000 129,586,000 12,956,899,000 1,527,880,000 9,410,038,000
Sep 2025 933,337,000 631,424,000 173,688,000 80,694,000 11,478,567,000 1,428,848,000 8,179,682,000
Jun 2025 876,417,000 593,472,000 163,975,000 69,244,000 11,154,929,000 1,354,455,000 8,085,920,000

Cashflow TTM (yfinance, fills SEC gap)

Operating CF
$1,009,448,000
Investing CF
$-1,809,683,000
Financing CF
$1,531,297,000
CapEx
$-222,594,000
Dividends Paid
Buybacks
$0
EPS Diluted TTM
$1.10
As of
2026-08-09

Balance + Analyst (yfinance extras)

Retained Earnings
$-2,743,638,000
Inventory
Receivables
$8,291,362,000
ST Investments
$757,597,000
EBIT TTM
$836,631,000
Pretax Income TTM
$395,213,000
Interest Exp TTM
$441,418,000
Analysts
30

Yahoo Snapshot (yfinance, live)

Total Revenue
$3,971,538,944
EBITDA
$631,558,976
Free Cash Flow
$301,085,376
Enterprise Value
$33,068,750,848
Total Cash
$1,768,999,040
Total Debt
$9,090,749,440
Shares Out
294,357,801
Trailing EPS
$1.10
Book Value
$11.30
ROE
11.5%
ROA
1.7%
Div Yield

Annual Trend (SEC EDGAR, last 4y)

Revenues vs Net Income (last 4y)

FY endRevenuesOpIncome NetIncomeAssetsLiabilities EquityOCF
Jun 2025 3,224,412,000 337,993,000 52,186,000 11,154,929,000 8,085,920,000 793,909,000
Jun 2024 2,322,999,000 -264,826,000 -517,757,000 9,519,619,000 6,787,630,000 450,138,000
Jun 2023 1,587,985,000 -981,979,000 -985,345,000 8,155,615,000 5,621,432,000 12,181,000
Jun 2022 1,349,292,000 -796,354,000 -707,417,000 6,973,792,000 4,355,537,000 -162,194,000

TTM Snapshot

Revenues TTM
$1,542,562,000
NetIncome TTM
$-681,335,000
OpCashFlow TTM
$0
Assets (Latest)
$9,519,619,000
Forward EPS
$3.72

Max Pain — expiry 2026-08-28

max pain strike: $76.00 · spot: $77.75 · call oi: 7,763 · put oi: 4,941
Expected Move to 2026-08-28: ±$8.50 (10.93%) — implied range $69.25$86.25 · ATM straddle on $78.00 strike

Peers — same industry

TickerNameMarket CapLastDaily %
SOFI SoFi Technologies, Inc. $23.56B $18.24
FMCKL FEDERAL HOME LOAN MORTGAGE CORP $24.10B $7.48
CRCL Circle Internet Group, Inc. $20.59B $87.72
FMCKM FEDERAL HOME LOAN MORTGAGE CORP $25.16B $7.81
FMCKO FEDERAL HOME LOAN MORTGAGE CORP $25.61B $7.95

News headlines (Yahoo Finance, 1h cache)

Affirm (AFRM) Slipped After Klarna Cut Guidance. Category Warning or Share-Gain Opportunity?
2026-08-25 14:25 · Yahoo
Affirm Poised for Slight Upside Amid Consumer Spending Strength, RBC Says
2026-08-24 19:41 · Yahoo
Affirm to Deliver Strong Fiscal Q4, Driven by Buy Now, Pay Later Momentum, Oppenheimer Says
2026-08-24 15:57 · Yahoo
Stay Ahead of the Game With Affirm Holdings (AFRM) Q4 Earnings: Wall Street's Insights on Key Metrics
2026-08-24 13:15 · Yahoo
Jim Cramer Said Affirm Holdings, Inc. (NASDAQ:AFRM) Was The One To Buy
2026-08-22 23:59 · Yahoo
Visa vs. Affirm: Which Fintech Stock Has More Potential?
2026-08-20 16:36 · Yahoo
Affirm (AFRM) Stock Could Be 14% Overvalued As Buy Ratings Roll In
2026-08-20 16:15 · Yahoo
SoFi Climbs 6%, Upstart Jumps 8%, Affirm Rises 7% as Fintech Names Rebound With Bond Market Catalyst
2026-08-19 16:25 · Yahoo
AFRM Vs KLAR: Which BNPL Stock Is The Better Buy Right Now?
2026-08-25 01:33 · Yahoo
Higher GMV, More Consumers: What Could Drive Affirm's Q4 Earnings?
2026-08-25 15:00 · Yahoo

Recent Insider Activity

No insider activity indexed for this ticker.