AFRM · Affirm Holdings, Inc.
Price & Indicators
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AI Brief
TL;DR.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders BuyIllustrative 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 |
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| Active Cardholders | 4.4M | FQ3'26 | — |
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| Active consumers | 26.8M | FQ3'26 | — |
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| Active merchant count | 515K | FQ3'26 | — |
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| Adjusted Operating Income non-GAAP | $103M | FQ3'26 | — |
| Affirm Card GMV | $2.1B | FQ3'26 | — |
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| Average funding costs | 5.8% | FQ3'26 | — |
| Card attach rate | 17% | FQ3'26 | — |
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| Direct-to-Consumer GMV | $3.7B | FQ3'26 | — |
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| Gross Merchandise Volume (GMV) | $11.6B | FQ3'26 | — |
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| RLTC | $498M | FQ3'26 | — |
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| RLTC as a % of GMV | 4.3% | FQ3'26 | — |
| Total transactions | 45M | FQ3'26 | — |
| Transactions per active consumer | 6.7 | FQ3'26 | — |
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| Revenue as a percentage of GMV | 8.14% | FQ2'26 | — |
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| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
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AFRM
this stock
Affirm Holdings, Inc.
|
$24.64B | +3.9% | +38.8% | 65.7 | 4.6% |
|
V
Visa Inc.
|
$649.98B | +4.2% | -4.9% | — | 1.2% |
|
MA
Mastercard Inc
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$502.58B | +0.5% | +16.4% | 31.6 | 1.0% |
|
AXP
American Express Co
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$228.61B | -8.1% | +13.4% | 20.6 | 1.8% |
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COF
Capital One Financial Corp
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$138.96B | -8.9% | +36.6% | — | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| AFRM | +5.4% | +4.6% | +53.4% | +8.1% | +3.9% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | +5.8% | +1.7% | +41.8% | +5.2% | -8.9% |
Capital returns
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.