Affirm Holdings, Inc.

Affirm Holdings, Inc.

64.54
EUR
-0.89
(-1.36%)
4.84EPS
14.35P/E
24.06BMarket Cap
Nov 05Next Earn
Affirm Holdings, Inc.
TG:78P
(Tradegate Exchange)

Recent

price

64.54

P/E

ratio

14.35

div

yld

- -

ROIC.AI

2019
2020
2021
2022
2023
2024
2025
2026
TTM
USD
1.28
2.47
5.5
4.79
5.38
7.5
9.99
14.52
12.54
Revenue per Share
-0.58
-0.55
-2.78
-2.51
-3.34
-1.67
0.16
6.58
5.68
Basic EPS, GAAP
-0.53
-0.45
-1.35
-0.97
-0.37
0.94
1.86
3.38
2.92
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
-1.09
-1.51
9.56
9.11
8.54
8.78
9.44
16.26
16.26
Book Value per Share
-1.09
-1.53
7.39
6.96
6.59
7.02
7.76
14.63
14.63
Tangible Book Value per Share
206
206
158
282
295
310
323
293
340
Basic Weighted Avg Shares
264
510
870
1,349
1,588
2,323
3,224
4,261
4,261
Sales/Revenue/Turnover
-38.41
-14.81
-38.02
-59.02
-61.84
-11.4
10.48
20.44
20.44
Operating Margin (%)
5
9
20
53
135
169
225
303
303
Depreciation Expense
-120
-113
-441
-707
-985
-518
52
1,930
1,930
Net Income, GAAP
- -
- -
- -
- -
- -
- -
15.1
- -
- -
Effective Tax Rate (%)
-45.56
-22.1
-50.67
-52.43
-62.05
-22.29
1.62
45.29
45.29
Profit Margin (%)
1,061
1,304
3,769
5,569
6,807
8,085
9,575
12,542
12,542
Working Capital
586
917
1,982
4,144
5,451
6,614
7,853
10,023
10,023
LT Debt
-263
-367
2,576
2,618
2,534
2,732
3,069
5,484
5,484
Total Equity
- -
- -
- -
- -
- -
- -
-0.73
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
4.08
- -
- -
Return on Capital (%)
- -
- -
- -
-27.24
-38.25
-19.66
1.8
45.13
45.13
Return on Common Equity (%)

Capital Structure

USD

•

in mil. unless spec.
Dec'26
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
9,140
9,052
9,994
LT Finance Leases
42
39
29
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
332
335
337
Market Capitalization
25,063
15,339
27,485

Working Capital

USD

•

in mil. unless spec.
Dec'26
Mar'26
Jun'26
Total Current Assets
11,468
11,633
12,774
Cash, Cash Equivalents & STI
2,251
2,481
2,603
Accounts Receivable, Net
268
231
284
Inventories
- -
- -
- -
Total Current Liabilities
171
205
232
Payables & Accruals
171
205
232
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

USD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
19.46%
78.68%
Free Cash Flow
- -
-45.59%
64.97%
Net Income, GAAP
- -
708.01%
3,597.91%
Sales/Revenue/Turnover
- -
37.99%
32.15%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
497
591
576
659
2,323
2025
698
866
783
876
3,224
2026
933
1,123
1,039
1,166
4,261

Quarterly Earnings Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
-0.57
-0.54
-0.43
-0.15
-1.67
2025
-0.31
0.25
0.01
0.21
0.16
2026
0.23
0.39
0.31
4.77
6.58

Quarterly Dividends Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Business
Affirm Holdings, Inc. (NasdaqGS: AFRM) operates as a financial technology company that provides buy now, pay later (BNPL) consumer lending services and banking products primarily through digital platforms. The company offers a range of financing solutions, including point-of-sale installment loans for online and in-store purchases; Affirm Card, a debit card with built-in BNPL functionality; savings accounts and high-yield savings products; and Affirm App for personal loans and payment management. Affirm partners with merchants across e-commerce, retail, travel, and healthcare sectors to integrate its payment options seamlessly at checkout, targeting individual consumers seeking flexible, transparent financing alternatives to credit cards. Founded in 2012 and headquartered in San Francisco, California, Affirm conducts operations across the United States, Canada, and Australia, serving millions of users and thousands of merchant partners. The company leverages proprietary machine learning algorithms for real-time credit risk assessment and fraud prevention, emphasizing no hidden fees, late charges, or compounding interest in its lending model. In recent developments, Affirm expanded its merchant partnerships with major brands such as Amazon, Walmart, and Peloton; launched new offerings including the Affirm Card Pro for businesses and enhanced international BNPL capabilities in Canada; and completed strategic acquisitions like Returnly in 2022 to bolster post-purchase experiences, with ongoing expansions into auto financing and B2B payments as of 2025.

Company News

  • Wall Street Analysts See Affirm Holdings (AFRM) as a Buy: Should You Invest?

  • Affirm Holdings, Inc. $AFRM Stock Sold by Diversify Advisory Services LLC

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  • Affirm is Appreciated By Consumers and Merchants as it Facilitates Sales

  • Affirm Holdings (AFRM) Stock Falls Amid Market Uptick: What Investors Need to Know

  • Wall Street Analysts Believe Affirm Holdings (AFRM) Could Rally 29%: Here's is How to Trade

  • Investors Heavily Search Affirm Holdings, Inc. (AFRM): Here is What You Need to Know

  • Affirm Holdings, Inc. (NASDAQ:AFRM) Stock Rated “Moderate Buy” by Wall Street Analysts

  • Affirm stock slips after US inflation data: here's why it may fall to $60 soon

  • Affirm Falls 10% as Inflation Print Lifts Yields; Klarna Drops 3%, PayPal Barely Budges

  • SoFi Falls 6% Despite StoneX Buy Initiation as Rising Yields Hit Fintech; Affirm Drops 9%, Robinhood Slides 6%

  • Why Affirm Holdings (AFRM) Dipped More Than Broader Market Today

  • Why Investors Need to Take Advantage of These 2 Computer and Technology Stocks Now

  • Will Affirm Holdings (AFRM) Beat Estimates Again in Its Next Earnings Report?

  • Affirm Holdings (AFRM) Ascends While Market Falls: Some Facts to Note

  • Affirm partners with Ant International's Antom to bring pay-over-time to US customers

  • Affirm to announce first quarter fiscal year 2027 results on November 5, 2026

  • Affirm Climbs 5% as Buy Now Pay Later Group Rallies Together; Klarna Rises 5%, PayPal Ticks Up

  • Is It Worth Investing in Affirm Holdings (AFRM) Based on Wall Street's Bullish Views?

  • Here is What to Know Beyond Why Affirm Holdings, Inc. (AFRM) is a Trending Stock