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Affirm Holdings, Inc. (AFRM)

Profile

Full Name

Affirm Holdings, Inc.

Ticker

NASDAQ: AFRM

Exchange

NASDAQ

Sector

Technology

Industry

Software Infrastructure

Country

United States

IPO

January 13, 2021

Indexes

Not included

Website

https://www.affirm.com

Employees

2006

Key Details

Price

$81.41(-4.08%)

Market cap

Last Dividend

-

TTM Dividend yield

-

Annual revenue

$3.22B(+38.80% YoY)

Annual EPS

$0.00(0.00% YoY)

PE ratio

-

Next earnings date

Nov 6, 2025

Next ex-dividend date

N/A

Next split date

N/A

Quick Search

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    Analyst ratings

    Price

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    Current Price

    $81.41
    AFRM price is $81.41

    30-Day Relative Volume

    0.89
    AFRM 30-day relative volume is 0.89

    Price Performance

    Price Most recent change

    -4.08%
    AFRM price was down -4.08% on Sep 11, 2025

    Price YTD change

    +33.68%
    AFRM price is up +33.68% since January 1st

    Price 1-year change

    +95.04%
    AFRM price is up +95.04% year-on-year

    Price 3-year change

    +203.88%
    AFRM price is up +203.88% over the past 3 years

    Price Range

    Price All-time high

    $176.65
    AFRM price is currently -53.91% below its historical high of $176.65

    Price 3-year low

    $8.62
    AFRM price is currently +844.43% above its 3-year low

    Capitalization

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    Market cap

    Market cap

    $26.51B
    AFRM market capitalization is $26.51 billion

    Market cap 3-year change

    +242.34%
    AFRM market capitalization is up +242.34% over the past 3 years

    Market cap All-time high

    $47.36B
    AFRM market capitalization is currently -44.02% below its historical high of $47.36 billion

    Market cap sector rank

    90.1%
    AFRM market capitalization is higher than 90.1% of companies in Technology sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    +4.67%
    AFRM shares outstanding is up +4.67% year-on-year

    Shares Outstanding 3-Year Change

    +12.65%
    AFRM shares outstanding is up +12.65% over the past 3 years

    Technical Indicators

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    Beta

    2.45
    AFRM beta is 2.45

    200-day SMA

    $61.86
    AFRM price is currently +31.61% above its 200-day simple moving average

    50-day SMA

    $74.21
    AFRM price is currently +9.71% above its 50-day simple moving average

    RSI

    52.18
    AFRM 14-day relative strength index is 52.18

    Volume

    0.89
    AFRM 30-day relative volume is 0.89

    ATR

    $4.88
    AFRM average true range is $4.88

    10-day Historical Volatility

    85.12%
    AFRM 10-day historical volatility is 85.12%

    Dividend

    Income Statement

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    Revenue

    Revenue

    $3.22B
    AFRM annual revenue is $3.22 billion

    Revenue Analysts estimate

    $3.97B
    AFRM annual revenue is currently -18.74% lower than the consensus analysts' forecast

    Revenue 1-year change

    +38.8%
    AFRM annual revenue is up +38.8% year-on-year

    Revenue Sector rank

    82.96%
    AFRM annual revenue is higher than 82.96% of companies in Technology sector

    EPS

    EPS

    $0.00
    AFRM annual earnings per share is $0.00

    EPS Analysts estimate

    $2.47
    AFRM annual earnings per share is currently -100.00% lower than the consensus analysts' forecast

    EPS 1-year change

    0%
    AFRM annual earnings per share has remained unchanged year-on-year

    EPS Sector rank

    60.55%
    AFRM annual earnings per share is higher than 60.55% of companies in Technology sector

    Profit

    Gross profit

    $2.77B
    AFRM annual gross profit is $2.77 billion

    Gross margin

    85.80%
    AFRM annual gross profit margin is 85.80%

    Operating profit

    $580.26M
    AFRM annual operating income is $580.26 million

    Operating margin

    18.00%
    AFRM annual operating profit margin is 18.00%

    Net income

    $52.19M
    AFRM annual net profit is $52.19 million

    Net margin

    1.62%
    AFRM annual net profit margin is 1.62%

    Expenses

    Total expenses

    $3.17B
    AFRM annual total expenses is $3.17 billion

    Operating expenses

    $2.19B
    AFRM annual total operating expenses is $2.19 billion

    Cost of goods sold

    $457.85M
    AFRM annual cost of goods sold is $457.85 million

    Selling, general & administrative expenses

    $0.00
    AFRM annual SGA is $0.00

    Depreciation and amortization

    $225.08M
    AFRM annual depreciation & amortization is $225.08 million

    Interest expense

    $0.00
    AFRM annual interest expense is $0.00

    Income tax

    $9.28M
    AFRM annual income tax is $9.28 million

    EBIT & EBITDA

    EBIT

    $580.26M
    AFRM annual earnings before interest & taxes is $580.26 million

    EBITDA

    $805.33M
    AFRM annual EBITDA is $805.33 million

    Balance Sheet

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    Assets

    Total assets

    $11.15B
    AFRM annual total assets is $11.15 billion

    Non current assets

    $8.32B
    AFRM annual long term assets is $8.32 billion

    Current assets

    $2.84B
    AFRM annual total current assets is $2.84 billion

    Cash and cash equivalents

    $2.41B
    AFRM annual cash & cash equivalents is $2.41 billion

    Accounts receivable

    $426.18M
    AFRM annual accounts receivable is $426.18 million

    Inventory

    $0.00
    AFRM annual inventory is $0.00

    Liabilities

    Total liabilities

    $8.09B
    AFRM annual total liabilities is $8.09 billion

    Long term liabilities

    $7.65B
    AFRM annual total long term liabilities is $7.65 billion

    Current liabilities

    $432.37M
    AFRM annual total current liabilities is $432.37 million

    Accounts payable

    $82.82M
    AFRM annual accounts payable is $82.82 million

    Debt

    Total debt

    $7.64B
    AFRM annual total debt is $7.64 billion

    Total debt 1-year change

    +18.39%
    AFRM annual total debt is up +18.39% year-on-year

    Long term debt

    $7.44B
    AFRM annual long term debt is $7.44 billion

    Short term debt

    $199.76M
    AFRM annual short term debt is $199.76 million

    Equity & Capital

    Shareholders equity

    $3.07B
    AFRM annual stockholders equity is $3.07 billion

    Book value

    $3.07B
    AFRM annual book value is $3.07 billion

    Retained earnings

    -$3.06B
    AFRM annual retained earnings is -$3.06 billion

    Working capital

    $2.40B
    AFRM annual working capital is $2.40 billion

    Cash Flow Statement

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    Cashflow Activities

    Cash from operations

    $793.91M
    AFRM annual cash flow from operations is $793.91 million

    Cash from operations 1-year change

    +76.37%
    AFRM annual cash flow from operations is up +76.37% year-on-year

    Cash from investing

    -$1.08B
    AFRM annual cash flow from investing activities is -$1.08 billion

    Cash from investing 1-year change

    +18.27%
    AFRM annual cash flow from investing activities is up +18.27% year-on-year

    Cash from financing

    $751.42M
    AFRM annual cash flow from financing activities is $751.42 million

    Cash from financing 1-year change

    -17.71%
    AFRM annual cash flow from financing activities is down -17.71% year-on-year

    CAPEX

    CAPEX

    $192.19M
    AFRM annual capital expenditures is $192.19 million

    CAPEX 1-year change

    +20.65%
    AFRM annual capital expenditures is up +20.65% year-on-year

    Free Cash Flow

    Free cash flow

    $601.72M
    AFRM annual free cash flow is $601.72 million

    Free cash flow 1-year change

    +106.89%
    AFRM annual free cash flow is up +106.89% year-on-year

    Profitability Ratios

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    Margins

    Gross margin

    85.80%
    AFRM annual gross profit margin is 85.80%

    Operating margin

    18.00%
    AFRM annual operating profit margin is 18.00%

    Net margin

    1.62%
    AFRM annual net profit margin is 1.62%

    ROA & ROE

    ROA

    0.50%
    AFRM annual return on assets is 0.50%

    ROE

    1.80%
    AFRM annual return on equity is 1.80%

    Valuation

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    PE Ratio

    PE ratio

    -
    AFRM price to earnings ratio value is unknown

    PE ratio Sector rank

    -
    AFRM price to earnings ratio is unknown

    PB Ratio

    PB ratio

    8.64
    AFRM price to book ratio is 8.64

    PB ratio Sector rank

    81.23%
    AFRM price to book ratio is higher than 81.23% of companies in Technology sector

    PS Ratio

    PS ratio

    8.22
    AFRM price to sales ratio is 8.22

    PS ratio Sector rank

    78.15%
    AFRM price to sales ratio is higher than 78.15% of companies in Technology sector

    Enterprise value

    Enterprise value

    $31.74B
    AFRM enterprise value is $31.74 billion

    Enterprise value Sector rank

    91.15%
    AFRM enterprise value is higher than 91.15% of companies in Technology sector

    EV/EBITDA

    EV/EBITDA

    39.42
    AFRM EV/EBITDA is 39.42

    EV/EBITDA Sector rank

    86.12%
    AFRM EV/EBITDA is higher than 86.12% of companies in Technology sector

    Financial Health

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    Liquidity

    Current ratio

    6.56
    AFRM annual current ratio is 6.56

    Quick ratio

    6.56
    AFRM annual quick ratio is 6.56

    Leverage

    Debt to equity

    2.49
    AFRM annual debt to equity ratio is 2.49

    Interest coverage ratio

    -
    AFRM annual interest coverage ratio value is unknown

    Risk & Stability

    Piotroski F-Score

    6
    AFRM piotroski f-score is 6

    Altman Z-Score

    2.30
    AFRM altman z-score is 2.30

    Analyst ratings

    Recent major analysts updates

    Sep 2, 25 Mizuho
    Outperform
    Aug 29, 25 UBS
    Neutral
    Aug 29, 25 RBC Capital
    Sector Perform
    Aug 29, 25 Morgan Stanley
    Equal-Weight
    Aug 29, 25 JP Morgan
    Overweight
    Aug 29, 25 JMP Securities
    Market Outperform
    Aug 29, 25 Evercore ISI Group
    Outperform
    Aug 29, 25 B of A Securities
    Buy
    Aug 26, 25 Morgan Stanley
    Equal-Weight
    Aug 26, 25 Jefferies
    Buy

    Institutional Ownership

    Screeners with AFRM included

    Growing Shares Outstanding
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    Best performing stocks last month
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    Stocks below analysts price target
    Technology sector
    • What is the ticker symbol for Affirm Holdings, Inc.?
    • Does Affirm Holdings, Inc. pay dividends?
    • What sector is Affirm Holdings, Inc. in?
    • What industry is Affirm Holdings, Inc. in?
    • What country is Affirm Holdings, Inc. based in?
    • When did Affirm Holdings, Inc. go public?
    • Is Affirm Holdings, Inc. in the S&P 500?
    • Is Affirm Holdings, Inc. in the NASDAQ 100?
    • Is Affirm Holdings, Inc. in the Dow Jones?
    • When was Affirm Holdings, Inc.'s last earnings report?
    • When does Affirm Holdings, Inc. report earnings?

    What is the ticker symbol for Affirm Holdings, Inc.?

    The ticker symbol for Affirm Holdings, Inc. is NASDAQ:AFRM

    Does Affirm Holdings, Inc. pay dividends?

    No, Affirm Holdings, Inc. does not pay dividends

    What sector is Affirm Holdings, Inc. in?

    Affirm Holdings, Inc. is in the Technology sector

    What industry is Affirm Holdings, Inc. in?

    Affirm Holdings, Inc. is in the Software Infrastructure industry

    What country is Affirm Holdings, Inc. based in?

    Affirm Holdings, Inc. is headquartered in United States

    When did Affirm Holdings, Inc. go public?

    Affirm Holdings, Inc.'s initial public offering (IPO) was on January 13, 2021

    Is Affirm Holdings, Inc. in the S&P 500?

    No, Affirm Holdings, Inc. is not included in the S&P 500 index

    Is Affirm Holdings, Inc. in the NASDAQ 100?

    No, Affirm Holdings, Inc. is not included in the NASDAQ 100 index

    Is Affirm Holdings, Inc. in the Dow Jones?

    No, Affirm Holdings, Inc. is not included in the Dow Jones index

    When was Affirm Holdings, Inc.'s last earnings report?

    Affirm Holdings, Inc.'s most recent earnings report was on August 28, 2025

    When does Affirm Holdings, Inc. report earnings?

    The next expected earnings date for Affirm Holdings, Inc. is November 6, 2025
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