AFRM · Affirm Holdings, Inc.

Track AFRM — free

$70.77 +0.34 (+0.48%) At close · Oct 2

Russell 1000 member Rebalance outlook locked

Market Cap

$23.01B

337.42M

Volume · Oct 2 2.52M Avg daily vol (3M) 4.23M

Up next

Next earnings call

Nov 26, 2026 Est · unconfirmed · in 7 wks

Latest filing: 10-K

filed Aug 27, 2026

Q4 2026 earnings call transcript

call held Aug 27, 2026

Metrics snapshot

Useful current figures from the complete screener profile.

View all 115 metrics

Revenue (TTM)

$4.26B

Trailing 12 months

Net income (TTM)

$1.93B

Trailing 12 months

Revenue growth YoY

+33.0%

Year over year

Operating margin

9.8%

Trailing 12 months

P / E (TTM)

12.8

Trailing earnings · reciprocal yield 7.8%

FCF yield

4.3%

TTM · current market cap

Return on invested capital

—

Trailing 12 months

Net cash

−$8.16B

Latest balance sheet

Dividend yield

—

Trailing 12 months

Shares change YoY

+1.1%

Year over year · more shares

Price change (1Y)

-8.6%

Trailing year

Short interest

4.8%

Latest settlement · 3.6 days to cover

View all 115 metrics

Equibles Rating

blended score · not investment advice

Overall

Neutral

SellHoldBuy

Technical Buy Momentum Neutral Sentiment Bearish Fundamentals Strong Quant / Vol Very High

Market backdrop VIX 15.3 · calm Equity put/call 0.58

Technical

price trend

Buy

50 / 200-day cross No cross

Price vs 200-day avg +6%

above

Price vs 50-day avg −3%

below

RSI (14) 48

neutral

MACD trend Positive

52-week position 65%

mid-range

Volume (OBV) Confirms

volume backs price

Momentum

relative strength

Neutral

1-month return −5%

trailing

6-month return +36%

trailing

YTD return −5%

this year

Relative strength +24%

vs S&P · 6-mo

Sentiment

smart money

Bearish

Trend (MA cross) No cross

50d $73 › 200d $67 — 50d above 200d

Institutional flow Distributing

3 of 677 funds reported for Sep 30 · net -962 sh shares

Insider flow Distributing

Net -$3.8M over 90 days · 100% sells

Short interest Rising

4.83% of float · ▲ +3.9% MoM · 3.6 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

677 holders — near 3-yr high, broad support

Squeeze score 58

elevated · 0–100

Fundamentals

Strong

Revenue growth +32%

Y/Y

EPS growth +3587%

Y/Y

Free cash flow $992.6M

Valuation P/E 12.3

in line

Buyback $176.0M

authorized

Balance sheet $8.2B

net debt

Quant / Vol

risk profile

Very High

Volatility 59%

annualized · 1-yr

Max drawdown −49%

past year

ATR 4.7%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Guidance & track record

what management promised — and delivered

Beat or met 8 of last 8

Latest guidance · from the Earnings Call filed Aug 27, 2026

Revenue less transaction costs · fiscal year 2027 Initiated 4.16%

Prior guidance period ended · from the 8-K filed May 7, 2026

GMV · Fiscal Q4 2026 $13.15B – $13.45B

GMV · Fiscal 2026 $49.27B – $49.57B

Revenue · Fiscal Q4 2026 $1.08B – $1.11B

Revenue · Fiscal 2026 $4.18B – $4.21B

Revenue Less Transaction Costs · Fiscal Q4 2026 $535M – $550M

Revenue Less Transaction Costs · Fiscal 2026 $2.03B – $2.05B

Operating Margin · Fiscal Q4 2026 9.5% – 11.5%

Operating Margin · Fiscal 2026 8.9% – 9.4%

Adjusted Operating Margin · Fiscal Q4 2026 27.5% – 29.5%

Guided vs delivered · last 8 settled

Revenue Fiscal Q4 2026

guided $1.08B – $1.11B

guided $1.08B – $1.11B $1.17B Beat +6.5%

Revenue Fiscal 2026

guided $4.18B – $4.21B

guided $4.18B – $4.21B $4.26B Beat +1.7%

Revenue Fiscal Q4 2024

guided $585M – $605M

guided $585M – $605M $659.19M Beat +10.8%

Revenue Fiscal Q3 2024

guided $325M – $335M

guided $325M – $335M $576.16M Beat +74.6%

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Buy

0 · 5 · 2

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+6% Bullish

Price vs 50-day avg

−3% Neutral

RSI (14)

48 Neutral

MACD trend

Positive Bullish

52-week position

65% Neutral

Volume (OBV)

Confirms Neutral

Market signals — smart money & positioning

Bearish · 3 of 6

Trend (MA cross) No cross

50d $73 › 200d $67 — 50d above 200d

Institutional flow Distributing

3 of 677 funds reported for Sep 30 · net -962 sh shares

Insider flow Distributing

Net -$3.8M over 90 days · 100% sells

Short interest Rising

4.83% of float · ▲ +3.9% MoM · 3.6 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

677 holders — near 3-yr high, broad support

Price context

position in its 52-week range

Range low $43 Now $71 · 65% Range high $86

vs 200-day avg +6% vs 50-day avg -3%

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

Key metrics

the company's own KPIs, from written earnings releases and filings

Metric	Latest	Period	YoY
0% APR installment loans as a percentage of total GMV	14%	fiscal year ended June 30, 2026 filing	—
0% APR installment loans purchased	6.3B	the year ended June 30, 2026 filing	—
Average balance of loans held for investment	1.7B	the year ended June 30, 2026 filing	—
Average total funding debt from warehouses and securitizations	7.5B	the year ended June 30, 2026 filing	—
Average total platform portfolio	4.6B	the year ended June 30, 2026 filing	—
Average unpaid principal balance of loans held by third-party investors and off-balance sheet se	9.1B	the year ended June 30, 2026 filing	—
Current period net charge-offs	-611.61M	the year ended June 30, 2026 filing	—
Directly originated loans	9.5B	the year ended June 30, 2026 filing	—
GMV	$50.2B	fiscal year ended June 30, 2026 filing	—
interest-bearing monthly installment loans as a percentage of total GMV	70%	fiscal year ended June 30, 2026 filing	—
loans sold with retained servicing rights (unpaid principal balance)	$21.9B	fiscal 2026 filing	—
Pay-in-X as a percentage of total GMV	16%	fiscal year ended June 30, 2026 filing	—
Payment volume	12.3B	the year ended June 30, 2026 filing	—
Provision for credit losses	777.98M	the year ended June 30, 2026 filing	—
remaining unpaid principal balance of serviced loans	$10B	fiscal 2026 filing	—
servicing income	$173.1M	fiscal 2026 filing	+43.5%

Total volume of loans purchased from originating bank partners	40.2B	the year ended June 30, 2026 filing	—
transactions driven by repeat consumers	96%	fiscal year ended June 30, 2026 filing	—
transactions initiated through mobile app and website channels as well as Affirm Card	25%	fiscal year ended June 30, 2026 filing	—

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

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	$23.01B	-4.9%	+32.2%	12.3	4.8%
V Visa Inc.	$655.56B	+2.8%	-4.9%	—	1.0%
MA Mastercard Inc	$497.27B	-3.3%	+16.4%	31.2	0.8%
AXP American Express Co	$206.24B	-18.2%	+13.4%	18.5	1.6%
COF Capital One Financial Corp	$119.78B	-19.7%	+36.6%	11.7	1.6%

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 Reducing

Holders

677

% held: 82.0%
Reported: 3 of 677
Top holder: Capital Research Global I…

Held Float

View

Held by Funds

Fund positions

497

View

Short & Settlement

Short Interest Rising

Shares short

16.3M

Days to cover: 3.6d
Change: +615.4K sh

View

Short Volume

Short vol %

43%

As of: Oct 2, 2026

Short Total

View

Fails to Deliver

FTD shares

486

Value: $35.2K
As of: Sep 8, 2026

View

Off-Exchange

Off-exchange %

53.8%

Week of: Aug 24, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net selling

Net (90d)

-$3.8M

Buyers / Sellers: 0 / 1

Buyers Sellers

View

Congressional Trades Buy

Member

Daniel Goldman

Amount: $1.0K–$15.0K
Traded: Apr 10, 2023

View

Financials

Revenue (FY)

$4.3B

Net income (FY): $1.9B
EPS diluted: $5.53

View

Buybacks

Authorized

$176.0M

View

Filings

SEC Filings

Latest

Investor Event Transcript

Filed: Sep 8, 2026
This year: 12

View

Proposed Sales

Value

$1.9M

Shares: 27.0K
Filed: Sep 14, 2026

View

Earnings & Events

Webcasts

Last webcast

Sep 8, 2026

View

Performance

	5D	20D	120D	MTD	YTD
AFRM	-1.1%	-4.8%	+36.2%	+2.2%	-4.9%
SPY	-0.2%	-0.5%	+12.2%	+0.9%	+12.9%
vs SPY	-0.8%	-4.3%	+24.0%	+1.3%	-17.8%

Capital returns

Buyback program · as of Dec 17, 2025

Authorized

$176.00M

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) 17 filings 13 filers Visit website Investor relations

AFRM · Affirm Holdings, Inc.

Price & Indicators

Up next

Metrics snapshot

Equibles Rating

Guidance & track record

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns