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AFRM

Affirm Holdings, Inc.
$84.58 +0.73 (+0.87%) At close · Jul 2
Market Cap
$32.23B
Shares
334,898,565

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$84.58 Open$84.56 Day$82.55–86.55 52W$42.10–100.00 Avg vol 30d4.7M Short int18.5M · 5.5% float · 4.2d Short vol41% Last earningsMay 7, 2026 DataJan 2021–Jul 2026 Filing10-Q · May 7
Equibles Rating blended score · not investment advice
Overall
Buy
Technical · trend & momentum Buy
50 / 200-day cross no cross
+ Price vs 200-day avg +27% above
+ Price vs 50-day avg +22% above
RSI (14) 68 · neutral
+ MACD trend positive
52-week position 73% · mid-range
Sentiment · smart money Bullish
Trend (MA cross) 50d $69 › 200d $66 — 50d above 200d
+ Institutional flow 4 of 599 funds reported for Jun 30 · net +2.2K sh shares
Insider flow Net -$240.0K over 90 days · 100% sells
+ Short interest 5.52% of float · ▼ -2.2% MoM · 4.2 days cover
Volume signal Volume near normal
Institution breadth 599 holders — mid 3-yr range
Fundamentals Excellent
+ Revenue growth +39% Y/Y
+ EPS growth +109% Y/Y
+ Free cash flow $601.7M
+ Buyback $350.0M authorized
Balance sheet net debt $6.3B

Blended from price, positioning & fundamentals · daily-close · not investment advice.

Up next
Next earnings call
Aug 6, 2026 Est · unconfirmed · in 4 wks
FQ1-27 quarter ends
~Sep 30, 2026 Est
filed May 7, 2026
AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Technicals

      trend & momentum for long-term holders Buy
      0 · 3 · 3
      50 / 200-day cross
      no cross Neutral
      Price vs 200-day avg
      +27% above Bullish
      Price vs 50-day avg
      +22% above Bullish
      RSI (14)
      68 · neutral Neutral
      MACD trend
      positive Bullish
      52-week position
      73% · mid-range Neutral
      Market signals — smart money & positioning
      Bullish · 2 of 6
      Trend (MA cross) No cross
      50d $69 › 200d $66 — 50d above 200d
      Institutional flow Accumulating
      4 of 599 funds reported for Jun 30 · net +2.2K sh shares
      Insider flow Distributing
      Net -$240.0K over 90 days · 100% sells
      Short interest Falling
      5.52% of float · ▼ -2.2% MoM · 4.2 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Steady
      599 holders — mid 3-yr range
      Price context
      position in its 52-week range
      52-wk low $42 Now $85 · 73% 52-wk high $100
      vs 200-day avg +27% vs 50-day avg +22%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from its earnings releases, calls, and filings
      Metric Latest Period YoY
      Active cardholders 4.4M FQ3'26
      Active consumers 26.8M FQ3'26
      Active merchant count 515K FQ3'26
      Affirm Card GMV $2.1B FQ3'26
      Average funding costs 5.8% FQ3'26
      Card GMV $2.1B FQ3'26
      RLTC as a % of GMV non-GAAP 4.3% FQ3'26
      Total transactions 45M FQ3'26
      Transactions per active consumer 6.7 FQ3'26

      Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file

      Versus peers

      Credit Services — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      AFRM
      Affirm Holdings, Inc.
      this stock
      $32.23B +13.6% +38.8% 5.5%
      V
      Visa Inc.
      $744.30B +3.5% +12.3% 1.2%
      MA
      Mastercard Inc
      $480.15B -5.4% +16.4% 31.5 0.8%
      AXP
      American Express Co
      $240.15B -4.7% +13.4% 22.0 1.8%
      COF
      Capital One Financial Corp
      $127.64B -15.0% +36.6% 52.3 1.8%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Accumulating
      Holders
      599
      % held
      73.8%
      Reported
      4 of 599
      Top holder
      Capital Research Global I…
      Held Float
      View
      Held by Funds
      Fund positions
      448
      View
      Short & Settlement
      Short Interest Falling
      Shares short
      18.5M
      Days to cover
      4.2d
      Change
      -414.5K sh
      View
      Short Volume
      Short vol %
      41%
      As of
      Jul 2, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      13.2K
      Value
      $876.5K
      As of
      Jun 12, 2026
      View
      Off-Exchange
      Off-exchange %
      57.7%
      Week of
      Jun 8, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$240.0K
      Buyers / Sellers
      0 / 1
      Buyers Sellers
      View
      Congressional Trades Buy
      Member
      Daniel Goldman
      Amount
      $1.0K–$15.0K
      Traded
      Apr 10, 2023
      View
      Financials
      Financials
      Revenue (FY)
      $3.2B
      Net income (FY)
      $52.2M
      EPS diluted
      $0.15
      View
      Buybacks
      Authorized
      $350.0M
      View
      Filings
      SEC Filings
      Latest
      8-K
      Filed
      Jun 25, 2026
      This year
      6
      View
      Proposed Sales
      Value
      $7.7M
      Shares
      100.0K
      Filed
      Jun 26, 2026
      View
      Earnings & Events
      Earnings Calls
      Last call
      Jun 4, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      AFRM +10.1% +27.6% +3.6% +3.7% +13.6%
      SPY +1.4% -1.3% +8.0% -0.3% +9.2%
      vs SPY +8.6% +28.9% -4.4% +4.0% +4.4%

      Capital returns

      Buyback program · as of Dec 31, 2024
      Authorized
      $350.00M
      Spent (derived)
      Remaining

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 1820953 CUSIP 00827B106 13F (30d) 38 filings 9 filers Visit website Investor relations