Affirm Holdings, Inc.
AFRM
NASDAQ·Financial Services·Financial - Credit Services·Mkt cap $24.2B
$72.35
▼ -2.62%
P/E
12.74
Mkt Cap
$24.2B
52-Wk Range
$42.10–$92.56
52-Week Range
$42.10 - $92.56
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Down 15.8% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Flexible payment terms
- Transparent pricing model
- Broad merchant network
- Technology-driven consumer experience
Bear Case
2 risks
- Very high volatility (beta 3.6). Expect 3x market swings. Position size accordingly.
- Extreme premium - high expectations embedded
Growth
Strong growth ahead
E-commerce expansion
Value
Extreme premium - high expectations embedded
Momentum
Strong
+10.5% over 3m
Quality
Excellent
Excellent business quality
Dividend
None
No dividend
Smart-money signal
Who's buying AFRM right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Nov 5, 2026
AUG 27, 2026
Reported EPS of $4.62 vs $0.35 consensus (+1230.3% surprise). Revenue of $1.2B vs $1.1B expected (+5.3%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+1230.3%
Revenue trend · last 8Q
—
+47%
+36%
+33%
+34%
+30%
+33%
+24%
Q1 24
Q2 24
Q3 25
Q4 25
Q1 25
Q2 25
Q3 26
Q4 26
$698.5M
$866.4M
$783.1M
$876.4M
$933.3M
$1.1B
$1.0B
$1.1B
Margins · last 8Q
Gross
69.4%
Operating
24.3%
Profit
148.4%
Wall Street consensus
25 analysts · 88% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
88%
Hold
12%
Sell
0%
Median Price Target
$100.00
▲ +38.2% vs $72.35
Latest: Scotiabank · Sep 2, 2026
1 analyst covering
vs Industry
How AFRM stacks vs Financial - Credit Services
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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