Affirm Holdings Inc - Class A AFRM Stock Analysis
- Nasdaq
- Stock
- Market closed · opens Monday 9:30 AM ET
$68.11 down $1.55, 2.23% at close Nov 6
Last close · Previous close $69.66
- Market cap
- At the Nov 6 close
- P/E ratio
- 12.32On last 12 months’ EPS
- Diluted EPS
- $5.53Last 12 months
- Dividend yield
- NoneLast 12 months
Price chart
$68.11down $1.55, 2.23%Fri, Nov 6 session
Use the left and right arrow keys to move along the chart.
Price data
Trading
- Previous close$69.66Nov 5
- Volume9.66MNov 6 session
Shares traded on all US exchanges in the last completed session. Live intraday volume covers IEX only, so it is left out.
- Avg. volume4.21MLast 21 sessions
The average daily shares traded over the last 21 trading sessions, about one calendar month.
- 52-week range: $42.10 to $90.44; now $68.11
The lowest and highest trades over the past 52 weeks, adjusted for splits. The marker shows the latest price.
Member SIPC.Low CommissionsLearn More (opens in a new tab)Sponsored. Affiliate link: I may earn a commission. The inclusion of Interactive Brokers’ (IBKR) name, logo or weblink is present pursuant to an advertising arrangement only. IBKR is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.
Performance
Past performance, measured to the Nov 6 close. Total return includes reinvested dividends.Price change only, without dividends. Compared with the S&P 500, using SPY.
AFRM beat the S&P 500 in 1 of 6 periods.
| Period | AFRM and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | AFRM: down 9.0% S&P 500: down 5.6% | AFRM trailed the S&P 500 by 3.4 percentage points Trailed |
| 3M | AFRM: down 11.1% S&P 500: down 4.1% | AFRM trailed the S&P 500 by 7.0 percentage points Trailed |
| YTD | AFRM: down 8.5% S&P 500: up 8.7% | AFRM trailed the S&P 500 by 17.2 percentage points Trailed |
| 1Y | AFRM: up 3.3% S&P 500: up 10.9% | AFRM trailed the S&P 500 by 7.6 percentage points Trailed |
| Long term | ||
| 3Y | AFRM: up 213.7% S&P 500: up 75.0% +46.4% vs +20.5% a year | AFRM beat the S&P 500 by 138.7 percentage points Beat |
| 5Y | AFRM: down 58.5% S&P 500: up 67.8% −16.1% vs +10.9% a year | AFRM trailed the S&P 500 by 126.3 percentage points Trailed |
$10,000 invested in AFRM 5 years ago (Nov 5, 2021) would be worth about $4,147 at the close on , with dividends reinvested. The same amount in the S&P 500 would be worth about $16,782.
AFRM beat the S&P 500 in 1 of 6 periods.
| Period | AFRM and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | AFRM: down 9.0% S&P 500: down 5.6% | AFRM trailed the S&P 500 by 3.4 percentage points Trailed |
| 3M | AFRM: down 11.1% S&P 500: down 4.3% | AFRM trailed the S&P 500 by 6.8 percentage points Trailed |
| YTD | AFRM: down 8.5% S&P 500: up 7.8% | AFRM trailed the S&P 500 by 16.3 percentage points Trailed |
| 1Y | AFRM: up 3.3% S&P 500: up 9.7% | AFRM trailed the S&P 500 by 6.4 percentage points Trailed |
| Long term | ||
| 3Y | AFRM: up 213.7% S&P 500: up 68.8% +46.4% vs +19.1% a year | AFRM beat the S&P 500 by 144.9 percentage points Beat |
| 5Y | AFRM: down 58.5% S&P 500: up 56.9% −16.1% vs +9.4% a year | AFRM trailed the S&P 500 by 115.4 percentage points Trailed |
$10,000 invested in AFRM 5 years ago (Nov 5, 2021) would be worth about $4,147 at the close on , not counting dividends. The same amount in the S&P 500 would be worth about $15,694.
All-time high
$168.52
Closing high on . Now 59.6% below that record.
Split-adjusted daily closes since Jan 13, 2021.
Stock splits
AFRM hasn’t split since its price history begins in 2021.
Valuation
Financials
Reported results, not forecasts. From company filings via Tiingo; the latest report is Q4 FY26, the quarter ended Jun 30, 2026. “Last 12 months” means the four quarters from Jul 1, 2025 to Jun 30, 2026, and balance-sheet figures are as of Jun 30, 2026.
Revenue and net income
Last 12 months, with the change from the 12 months before
- Revenue
- $4.26Bup 32.2%
- Net income
- $1.93Bup 3,597.9%
- Diluted EPS
- $5.53up 4,153.8%
Data table
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| Q1 FY25 (Sep 30, 2024) | $698.48M | −$100.22M | −$0.31 |
| Q2 FY25 (Dec 31, 2024) | $866.38M | $80.36M | $0.23 |
| Q3 FY25 (Mar 31, 2025) | $783.14M | $2.80M | $0.01 |
| Q4 FY25 (Jun 30, 2025) | $876.42M | $69.24M | $0.20 |
| Q1 FY26 (Sep 30, 2025) | $933.34M | $80.69M | $0.23 |
| Q2 FY26 (Dec 31, 2025) | $1.12B | $129.59M | $0.37 |
| Q3 FY26 (Mar 31, 2026) | $1.04B | $102.90M | $0.30 |
| Q4 FY26 (Jun 30, 2026) | $1.17B | $1.62B | $4.63 |
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| FY22 (Jun 30, 2022) | $1.35B | −$707.42M | −$2.51 |
| FY23 (Jun 30, 2023) | $1.59B | −$985.35M | −$3.34 |
| FY24 (Jun 30, 2024) | $2.32B | −$517.76M | −$1.67 |
| FY25 (Jun 30, 2025) | $3.22B | $52.19M | $0.15 |
| FY26 (Jun 30, 2026) | $4.26B | $1.93B | $5.53 |
Margins
- Gross 48.9%
- Operating 9.8%
- Net 45.3%
The percentages above the chart cover the last 12 months; the lines show each quarter. What margins tell you
Cash flow
- $992.63MLast 12 months
Cash from operations minus capital spending: the cash left after the business maintains and grows its assets.
FCF = Operating cash flow − Capital spendingFree cash flow - Operating cash flow$1.23BLast 12 months
- Capital spending$238.35MLast 12 months
- 23.3%Last 12 months
Free cash flow as a share of revenue, both over the last 12 months.
Shareholder returns
- $158.93MLast 12 months
Cash spent repurchasing shares, net of shares issued. Buybacks shrink the share count, so each remaining share owns more of the company.
- Dividends paid$0.00Last 12 months
- Total returned$0.00Last 12 months
0% of free cash flow
Balance sheet
- Not reportedAs of Jun 30, 2026
Cash plus short- and long-term marketable securities on the Jun 30, 2026 balance sheet.
- Total debt$9.99BAs of Jun 30, 2026
- 1.82As of Jun 30, 2026
Total debt divided by shareholders’ equity on the Jun 30, 2026 balance sheet: a measure of financial leverage.
D/E = Total debt ÷ Shareholders’ equityDebt-to-equity ratio
Financial strength
- 47.9%Last 12 months
Over the last 12 months, Affirm Holdings’s net income was 47.9% of its shareholders’ equity (averaged over the last four quarter-ends). It describes the past year, not an expected return.
ROE = Net income (last 12 months) ÷ Average equityReturn on equity - 14.5%Last 12 months
Over the last 12 months, Affirm Holdings’s net income was 14.5% of its total assets (averaged over the last four quarter-ends): what the business earned on everything it owns.
ROA = Net income (last 12 months) ÷ Average total assets
About Affirm Holdings Inc - Class A
Affirm’s mission is to deliver honest financial products that improve lives. With that in mind, we are building the next generation platform for digital and mobile-first commerce, making it easier for consumers to spend responsibly and with confidence, easier for merchants to convert sales and grow, and easier for commerce to thrive.
- Sector
- Financial Services
- Industry
- Credit Services
- Headquarters
- California, USA
- SEC filings
- EDGAR (opens in a new tab)
- Exchange
- Nasdaq
- Asset type
- Common stock
- Price history since
AFRM news
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AFRM stock FAQ
What is AFRM stock’s price today?
Affirm Holdings (AFRM) traded at $68.11 at the close on , down $1.55 (2.23%) from the previous close of $69.66. Over the past 52 weeks it has traded between $42.10 and $90.44.
If you invested $1,000 in AFRM 5 years ago, how much would you have now?
With dividends reinvested, $1,000 invested in AFRM on would be worth about $415 at the close on , a total return of −58.5%. The same $1,000 would be worth $1,033 if invested one year ago. Past performance doesn’t predict future returns.
What is AFRM’s P/E ratio?
AFRM trades at 12.3 times its diluted earnings over the four quarters to ($5.53 per share), at the close. (How the P/E ratio works.)
How much revenue does Affirm Holdings make?
Affirm Holdings reported $4.3 billion of revenue over the four quarters to , up 32.2% from the twelve months before. In its latest quarter (Q4 FY26, ended ) revenue was $1.2 billion, up 33.0% from a year earlier.
Is Affirm Holdings profitable?
Yes. Affirm Holdings earned $1.9 billion of net income over the four quarters to , a net margin of 45.3%, and its operating margin was 9.8% (what margins tell you).
What are AFRM’s earnings per share?
AFRM’s diluted earnings per share were $5.53 over the four quarters to , compared with $0.13 in the twelve months before. The latest quarter (Q4 FY26) brought $4.63 per share, against $0.20 a year earlier (how EPS works).
Does AFRM pay a dividend?
Affirm Holdings hasn’t paid a dividend in the last twelve months.
What is AFRM’s 52-week high and low?
Over the past 52 weeks AFRM has traded as low as $42.10 and as high as $90.44. At $68.11 at the close on , it is 24.7% below that high and 61.8% above the low.
What is AFRM’s all-time high?
AFRM’s highest closing price was $168.52 on , adjusted for stock splits. At $68.11 at the close on , it is 59.6% below that record.
Has AFRM stock ever split?
No. AFRM hasn’t split since its price history begins in 2021.
How has AFRM stock performed?
Including dividends and measured to the close on , AFRM has returned −8.5% so far this year and +3.3% over the past year, and −58.5% over five years (−16.1% a year). Over the same periods the S&P 500, measured by SPY, returned +8.7%, +10.9% and +67.8%. Past performance doesn’t predict future returns.
What sector and industry is Affirm Holdings in?
Affirm Holdings is in the Financial Services sector and the Credit Services industry, and is headquartered in California, USA.
What exchange does AFRM trade on?
Affirm Holdings trades on the Nasdaq under the ticker symbol AFRM. Its price history on this dashboard begins on .
Member SIPC.Low CommissionsLearn More (opens in a new tab)Sponsored. Affiliate link: I may earn a commission. The inclusion of Interactive Brokers’ (IBKR) name, logo or weblink is present pursuant to an advertising arrangement only. IBKR is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.
About this data. Data sourced by Tiingo (opens in a new tab). The live price is Tiingo’s real-time price, based on IEX trades and quotes; intraday charts show IEX trades, and volume figures are consolidated totals for completed sessions. Prices are split-adjusted, and total returns assume dividends are reinvested. Financials come from company filings and can lag new reports. Times are Eastern.
This page is for education, not investment advice. Past performance doesn't predict future returns. Logos provided by Logo.dev (opens in a new tab).
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