AFRM · Affirm Holdings, Inc. Class A

NASDAQ NMS - GLOBAL MARKET - Real Time Price • USD

Affirm Holdings Inc (AFRM)

NASDAQ NMS - GLOBAL MARKET Financial Services
Move probability → Options chain →
$73.46 -0.43 (-0.58%)
● At close: October 21 at 4:00:00 PM EDT
$73.00 -0.51 (-0.69%)
🌆 After-Hours: 7:36:45 PM EDT
DAY'S RANGE $73.46
$73.44 $75.61
52-WEEK RANGE $73.46
$42.09 $90.44

What's happening

Deterministic template sentences filled in from the same sourced figures shown elsewhere on this page -- not an AI-written summary, no live model call.

Key Statistics

Market Cap$25.31B
P/E (TTM1)12.91
EPS2 (TTM)$5.52
Div Yield—
Beta33.78
Volume168,488
Open74.58
Prev Close73.89
Bid / Ask70.63 / 78.14
Next Earnings 2026-11-05

Analyst Recommendations

Strong buy 10 Buy 25 Hold 7 Sell 0 Strong sell 0

Aggregate ratings for 2026-10-01 (42 analysts polled by Finnhub) — consensus count.

Performance Overview (Trailing returns vs S&P 500 benchmark)

YTD RETURN
AFRM +1.64%
vs S&P 500 -11.14%
1-YEAR RETURN
AFRM +4.95%
vs S&P 500 -9.61%
6-MONTH RETURN
AFRM +25.50%
3-MONTH RETURN
AFRM +1.24%

Valuation Measures & Ratios

Enterprise Value4$33.08B
Forward P/E532.85
PEG Ratio6-1.14
Price / Sales (TTM1)5.85
Price / Book74.98
EV4 / Revenue7.76
EV4 / EBITDA45.83
Profit Margin45.29%
Operating Margin9.82%
Return on Equity (ROE8)47.91%
Return on Assets (ROA9)14.46%
Avg Volume (3M)4,271,560
Quarterly history (5 periods)
Measure Mar '26Dec '25Sep '25Mar '25Dec '24
Market cap $15.71B $26.11B $25.64B $12.67B $21.27B
P/E 49.70 88.97 402.91 -83.90 -66.34
Price/Sales 4.05 7.04 7.81 4.33 7.79
Price/Book 4.15 7.36 7.77 4.41 7.64
EV/Revenue 5.89 9.06 9.74 6.31 10.02
EV/EBITDA 42.58 79.24 220.73 — —
ROE 8.35% 8.27% 1.93% -5.25% -11.51%
ROA 2.40% 2.26% 0.55% -1.45% -3.06%

Trailing-twelve-month ratios computed from SEC EDGAR quarterly figures and historical daily close prices (Alpaca). Diluted shares are derived from Net income ÷ EPS (diluted) for each quarter, not separately reported. Forward P/E/PEG unavailable (no free data source).

Glossary — what these abbreviations mean
1. TTM
Trailing twelve months — the sum of the last four reported quarters, not a calendar year or the single latest quarter.
2. EPS
Earnings per share — net income divided by diluted shares outstanding.
3. Beta
A stock's historical volatility relative to the overall market. Above 1 means it has moved more than the market; below 1, less.
4. EV (Enterprise Value)
Market cap plus total debt minus cash — roughly what it would cost to buy the whole company, debt included.
5. Forward P/E
Price divided by analysts' estimated earnings for the next 12 months, instead of trailing actual earnings.
6. PEG Ratio
P/E divided by expected earnings growth rate. A lower number can indicate a stock is cheap relative to how fast it's expected to grow.
7. Price / Book
Share price divided by book value (assets minus liabilities) per share.
8. ROE
Return on equity — net income divided by shareholders' equity, a measure of how efficiently a company turns equity into profit.
9. ROA
Return on assets — net income divided by total assets, a measure of how efficiently a company turns assets into profit.
10. MRQ
Most recent quarter — the single latest reported period, as opposed to TTM. The Financials section's "Quarterly" view below shows MRQ-style figures.
11. YoY
Year over year — percent change versus the same period one year earlier, used for growth figures like those on Compare cards and the Screener.

Short Interest

Shares Short17,882,143
Change from Prior Settlement+9.83%
% of Float—
Days to Cover (Short Ratio)4.42

Source: FINRA Rule 4560 consolidated short interest, settlement date 2026-09-30. Reported bi-monthly with a reporting lag — not real-time.

Quotes and the 1-day extended-hours chart: Yahoo Finance. Longer historical charts: Alpaca (IEX feed) — real-time but IEX-only volume (~2.5% of consolidated market volume). Fundamentals + earnings: Finnhub.

Price history

Events

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Technical signal summary

Calculating from the latest year of daily price history…

Calculating…
Show Technical Analysis Breakdown ▾ 10 Indicators

Not investment advice — read several signals together.

Indicators None active

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Starter sets
Trend
Oscillators
Volume/volatility
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History limited by data provider; markers are heuristics, not signals.

Peer and sector context

No reviewed peer group is available for this symbol.

Balanced evidence

A deterministic summary of sourced facts—not an AI verdict.

Potential strengths

Potential concerns

  • Latest SEC filing is Form 4, filed 2026-10-14; review it for current changes and risks. SEC EDGAR ↗

Rule-based facts only; absence from either side is not evidence, and this is not a recommendation.

Financials

Income statement

Line item Mar '26Dec '25Sep '25Mar '25Dec '24Sep '24Mar '24Dec '23
Revenue $1.04B $1.12B $933.3M $783.1M $866.4M $698.5M $576.2M $591.1M
Operating income $88.4M $117.6M $63.7M -$8.4M -$4.3M -$132.6M -$160.8M -$172.2M
Net income $102.9M $129.6M $80.7M $2.8M $80.4M -$100.2M -$133.9M -$166.9M
EPS (diluted) $0.30 $0.37 $0.23 $0.01 $0.23 $-0.31 $-0.43 $-0.54
EPS (basic) $0.31 $0.39 $0.24 $0.01 $0.25 $-0.31 $-0.43 $-0.54
Operating margin $9 $10 $7 -$1 -$0 -$19 -$28 -$29

Balance sheet

Line item Jun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24
Total assets $15.79B $13.14B $12.96B $11.48B $11.15B $10.44B $10.48B $10.14B
Total liabilities $10.31B $9.36B $9.41B $8.18B $8.09B $7.56B $7.70B $7.30B
Stockholders' equity $5.48B $3.78B $3.55B $3.30B $3.07B $2.87B $2.79B $2.84B
Cash & equivalents $1.63B $1.72B $1.53B $1.43B $1.35B $1.35B $1.20B $1.05B
Property, plant & equipment $685.8M $668.3M $639.9M $613.9M $572.6M $543.3M $506.3M $473.0M
Goodwill $524.5M $529.3M $533.4M $529.9M $534.2M $522.3M $521.7M $536.7M

Cash flow

Line item Jun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24
Operating cash flow $296.2M $386.5M $173.7M $374.6M $74.6M $210.4M $312.0M $196.9M
Investing cash flow -$1.20B $149.4M -$1.36B -$139.6M -$454.5M $35.5M -$89.1M -$575.0M
Financing cash flow $865.6M -$152.6M $1.19B $110.1M $387.3M -$245.6M $144.1M $465.6M
Free cash flow $229.3M $325.1M $118.0M $320.2M $23.5M $157.4M $268.1M $152.7M
Capital expenditures $66.9M $61.4M $55.7M $54.4M $51.1M $53.0M $43.9M $44.2M
Depreciation & amortization $87.3M $75.1M $75.6M $65.3M $64.0M $59.5M $54.9M $46.7M

Source: SEC EDGAR XBRL filings (10-Q/10-K), as originally tagged by the company. Quarterly cash flow is reconstructed by de-cumulating fiscal-year-to-date figures (how cash flow is tagged in 10-Qs); other quarterly lines are reported directly.

Institutional holders

SEC Form 13F filers holding AFRM as of the latest reported quarter. 13F only covers investment managers with $100M+ in assets — this is not a complete ownership picture, and does not include insiders (see Recent SEC filings below) or non-13F-eligible holders.

Source: Business Quant SEC Form 13F · report period 2026-06-30 · 31 filers

Held by These Filers62.8%
Shares Outstanding335,155,421
FilerSharesValue% OutQtr ChangeFiled
Capital Research Global Investors 26,000,572 $2.12B 7.76% +5.7% 2026-08-07
Capital World Investors 23,115,136 $1.89B 6.90% +2.7% 2026-08-07
Morgan Stanley 23,000,269 $1.88B 6.86% +5.9% 2026-08-11
BlackRock, Inc. 19,613,537 $1.60B 5.85% +4.7% 2026-08-07
FMR LLC 17,581,656 $1.43B 5.25% +1.7% 2026-08-13
Jpmorgan Chase & Co 16,722,922 $1.37B 4.99% +215.7% 2026-08-12
VANGUARD CAPITAL MANAGEMENT LLC 12,320,890 $1.00B 3.68% +1.4% 2026-06-30
VANGUARD PORTFOLIO MANAGEMENT LLC 11,886,405 $969.3M 3.55% +2.5% 2026-06-30
State Street Corp 6,349,214 $517.8M 1.89% +5.3% 2026-08-07
BAILLIE GIFFORD & CO 5,856,569 $477.6M 1.75% +10.5% 2026-08-06
GEODE CAPITAL MANAGEMENT, LLC 5,712,491 $464.7M 1.70% +3.4% 2026-08-12
Winslow Capital Management, LLC 4,577,562 $373.3M 1.37% +0.0% 2026-08-13
Durable Capital Partners LP 4,425,406 $360.9M 1.32% -21.7% 2026-08-14
NORGES BANK 3,681,211 $300.2M 1.10% +0.0% 2026-08-12
Bank Of America Corp /De/ 2,840,260 $231.6M 0.85% +2.4% 2026-08-14
UBS Group AG 2,511,220 $204.8M 0.75% +9.1% 2026-08-13
D1 Capital Partners L.P. 1,908,511 $155.6M 0.57% -1.5% 2026-08-14
VANGUARD FIDUCIARY TRUST CO 1,875,338 $152.9M 0.56% +3.4% 2026-06-30
Northern Trust Corp 1,814,431 $148.0M 0.54% +3.0% 2026-08-12
Sei Investments Co 1,705,507 $139.1M 0.51% +672.4% 2026-08-14
CHARLES SCHWAB INVESTMENT MANAGEMENT INC 1,656,971 $135.1M 0.49% +12.8% 2026-08-14
Sixth Street Partners Management Company, L.P. 1,656,971 $135.1M 0.49% +0.0% 2026-08-13
DIMENSIONAL FUND ADVISORS LP 1,601,389 $130.6M 0.48% +1.7% 2026-08-11
Spyglass Capital Management LLC 1,537,840 $125.4M 0.46% -7.5% 2026-08-14
1832 Asset Management L.P. 1,534,400 $125.1M 0.46% +0.0% 2026-08-13

Insider activity

Directors, officers, and 10%+ owners' reported transactions from SEC Form 4. A filing reports a transaction; it does not by itself explain why it happened.

Source: SEC EDGAR Form 4 filings · checked 25 most recent filings · covers 2026-07-01 to 2026-10-09

Recent transactions

  • Insiders have net sold 303,749 shares over the last 182 days, across 0 purchases and 12 sales.
  • Most recent: O'Hare Robert (Chief Financial Officer) — Option exercise of 17,023 shares on 2026-10-09.

Deterministic template sentences filled in from the SEC Form 4 figures in the tables below -- not an AI-written summary, no live model call.

Insider purchases & sales, last 6 months

Purchases (open market)0 sh(0 txns)
Sales (open market)303,749 sh(12 txns)
Net Shares-303,749

Counts only open-market purchases (code P) and sales (code S) — grants, option exercises, tax withholding, and gifts are excluded since they aren't a market buy/sell decision.

Insider roster

NameTitleMost Recent TransactionDateShares
O'Hare RobertChief Financial OfficerOption exercise2026-10-0917,023
Jiyane SipheleleChief Accounting OfficerOpen market sale2026-09-1426,980
Adkins KatherineChief Legal OfficerOption exercise2026-09-034,404
Michalek LiborPresidentOption exercise2026-09-0111,364
Linford MichaelPresidentOption exercise2026-09-0111,719
Watson Noel BertramDirectorOpen market sale2026-08-122,000
Reses Jacqueline DDirectorGrant / award2026-07-01655
GALANTI RICHARD ADirectorGrant / award2026-07-01655
Liew JeremyDirectorGrant / award2026-07-01655
Quarles Christa SDirectorGrant / award2026-07-01655
Schneider Ryan M.DirectorGrant / award2026-07-01655

Recent transactions

DateInsiderTitleTransactionSharesPrice
2026-10-09O'Hare RobertChief Financial OfficerOption exercise 17,023$17.19
2026-10-09O'Hare RobertChief Financial OfficerOption exercise 1,866$41.80
2026-10-09O'Hare RobertChief Financial OfficerOption exercise 10,239$22.30
2026-10-09O'Hare RobertChief Financial OfficerOption exercise 21,836$23.35
2026-10-09O'Hare RobertChief Financial OfficerOption exercise 8,991$44.06
2026-10-09O'Hare RobertChief Financial OfficerOption exercise 5,636$57.59
2026-10-09O'Hare RobertChief Financial OfficerOpen market sale 65,591$80.02
2026-09-14Jiyane SipheleleChief Accounting OfficerOpen market sale 26,980$72.19
2026-09-04Jiyane SipheleleChief Accounting OfficerOpen market sale 25,000$72.41
2026-09-03Adkins KatherineChief Legal OfficerOption exercise 4,404$22.30
2026-09-03Adkins KatherineChief Legal OfficerOption exercise 37,260$23.35
2026-09-03Adkins KatherineChief Legal OfficerOpen market sale 41,664$75.53
2026-09-02O'Hare RobertChief Financial OfficerOpen market sale 5,886$74.02
2026-09-01Adkins KatherineChief Legal OfficerOption exercise 10,594$0.00
2026-09-01Adkins KatherineChief Legal OfficerTax withholding 4,795$69.94
2026-09-01Adkins KatherineChief Legal OfficerOption exercise 41,664$22.30
2026-09-01Adkins KatherineChief Legal OfficerOpen market sale 23,765$70.13
2026-09-01Adkins KatherineChief Legal OfficerOpen market sale 15,599$71.00
2026-09-01Adkins KatherineChief Legal OfficerOpen market sale 2,300$71.87
2026-09-01O'Hare RobertChief Financial OfficerOption exercise 11,987$0.00
2026-09-01O'Hare RobertChief Financial OfficerTax withholding 6,101$69.94
2026-09-01O'Hare RobertChief Financial OfficerOpen market sale 15,545$71.59
2026-09-01O'Hare RobertChief Financial OfficerOpen market sale 200$72.51
2026-09-01Michalek LiborPresidentOption exercise 11,364$0.00
2026-09-01Michalek LiborPresidentTax withholding 5,784$69.94
2026-09-01Linford MichaelPresidentOption exercise 11,719$0.00
2026-09-01Linford MichaelPresidentTax withholding 4,662$69.94
2026-09-01Jiyane SipheleleChief Accounting OfficerOption exercise 9,038$0.00
2026-09-01Jiyane SipheleleChief Accounting OfficerTax withholding 3,558$69.94
2026-08-28Linford MichaelChief Operating OfficerOption exercise 79,219$5.39
2026-08-28Linford MichaelChief Operating OfficerOpen market sale 79,219$90.01
2026-08-12Watson Noel BertramDirectorOpen market sale 2,000$77.86
2026-08-01Adkins KatherineChief Legal OfficerOption exercise 1,401$0.00
2026-08-01Adkins KatherineChief Legal OfficerTax withholding 634$71.51
2026-08-01Michalek LiborPresidentOption exercise 2,335$0.00
2026-08-01Michalek LiborPresidentTax withholding 1,189$71.51
2026-08-01Linford MichaelChief Operating OfficerOption exercise 2,335$0.00
2026-08-01Linford MichaelChief Operating OfficerTax withholding 970$71.51
2026-07-01Reses Jacqueline DDirectorGrant / award 655$0.00
2026-07-01GALANTI RICHARD ADirectorGrant / award 655$0.00
2026-07-01Liew JeremyDirectorGrant / award 655$0.00
2026-07-01Michalek LiborPresidentOption exercise 2,336$0.00
2026-07-01Michalek LiborPresidentTax withholding 1,189$83.85
2026-07-01Quarles Christa SDirectorGrant / award 655$0.00
2026-07-01Schneider Ryan M.DirectorGrant / award 655$0.00
2026-07-01Schneider Ryan M.DirectorGrant / award 3,100$0.00
2026-07-01Linford MichaelChief Operating OfficerOption exercise 2,336$0.00
2026-07-01Linford MichaelChief Operating OfficerTax withholding 972$83.85
2026-07-01Adkins KatherineChief Legal OfficerOption exercise 1,402$0.00
2026-07-01Adkins KatherineChief Legal OfficerTax withholding 635$83.85

Recent SEC filings

Official company reports and insider transaction filings. Form 4 reports a transaction; it does not by itself explain why it happened.

Source: SEC EDGAR submissions · updated 2026-10-21 23:51 UTC

FiledFormReport periodOfficial filing
2026-10-1442026-10-09 View on SEC.gov →
2026-09-1842026-09-16 View on SEC.gov →
2026-09-1842026-09-16 View on SEC.gov →
2026-09-1842026-09-16 View on SEC.gov →
2026-09-1842026-09-16 View on SEC.gov →
2026-09-1642026-09-14 View on SEC.gov →
2026-09-0942026-09-04 View on SEC.gov →
2026-09-0342026-09-01 View on SEC.gov →
2026-09-0342026-09-01 View on SEC.gov →
2026-09-0342026-09-01 View on SEC.gov →
2026-09-0342026-09-01 View on SEC.gov →
2026-09-0342026-09-01 View on SEC.gov →

Headlines about AFRM (Affirm Holdings, Inc. Class A). Links open the publisher — we don’t host full articles.

SEC filings ↓

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