affirm holdings inc. - AFRM
AFRM
Close Chg Chg %
71.81 2.95 4.11%
Closed Market
74.76
+2.95 (4.11%)
Volume: 5.62M
Last Updated:
Jan 16, 2026, 4:00 PM EDT
Company Overview: affirm holdings inc. - AFRM
AFRM Key Data
| Open $72.11 | Day Range 72.05 - 75.90 |
| 52 Week Range 30.90 - 100.00 | Market Cap $24.68B |
| Shares Outstanding 330.07M | Public Float 276.36M |
| Beta 3.57 | Rev. Per Employee N/A |
| P/E Ratio 109.04 | EPS $0.72 |
| Yield 0.00% | Dividend N/A |
| EX-DIVIDEND DATE | SHORT INTEREST N/A |
| AVERAGE VOLUME 4.63M |
AFRM Performance
| 1 Week | -8.61% | ||
| 1 Month | -1.92% | ||
| 3 Months | 10.10% | ||
| 1 Year | 28.92% | ||
| 5 Years | -36.10% |
AFRM Analyst Ratings
- Sell
- Under
- Hold
- Over
- Buy
Number of Ratings
30
Full Ratings ➔
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- Income Statement
- Balance Sheet
- Cash Flow Statement
Annual Financials for Affirm Holdings Inc. - AFRM
Collapse All in section
| All values USD millions. | 2022 | 2023 | 2024 | 2025 | 5-year trend |
|---|---|---|---|---|---|
Sales/Revenue
| 1.35B | 1.59B | 2.32B | 3.22B | |
Sales Growth
| +55.01% | +17.69% | +46.29% | +38.80% | |
Cost of Goods Sold (COGS) incl D&A
| 157.81M | 257.34M | 343.25M | 457.85M | |
COGS excluding D&A
| - | - | - | - | - |
Depreciation & Amortization Expense
| 52.72M | 134.63M | 169.04M | 225.08M | |
Depreciation
| 29.22M | 82.13M | 148.24M | 223.78M | |
Amortization of Intangibles
| 23.50M | 52.50M | 20.80M | 1.30M | |
COGS Growth
| +68.30% | +63.07% | +33.38% | +33.39% | |
Gross Income
| 1.19B | 1.33B | 1.98B | 2.77B | |
Gross Income Growth
| +53.40% | +11.68% | +48.78% | +39.74% | |
Gross Profit Margin
| +88.30% | +83.79% | +85.22% | +85.80% |
| 2022 | 2023 | 2024 | 2025 | 5-year trend | |
|---|---|---|---|---|---|
SG&A Expense
| 1.78B | 2.17B | 2.06B | 2.19B | |
Research & Development
| 418.64M | 615.82M | 501.86M | 589.72M | |
Other SG&A
| 1.36B | 1.55B | 1.56B | 1.60B | |
SGA Growth
| +112.19% | +21.63% | -4.93% | +6.01% | |
Other Operating Expense
| - | - | - | - | - |
Unusual Expense
| 67.43M | 170.80M | 181.19M | 160.26M | |
EBIT after Unusual Expense
| (659.50M) | (1.01B) | (263.87M) | 420.00M | |
Non Operating Income/Expense
| 4.37M | 203.24M | 97.33M | 66.92M | |
Non-Operating Interest Income
| - | - | - | - | - |
Equity in Earnings of Affiliates
| - | - | - | - | - |
Interest Expense
| 69.69M | 183.01M | 349.00M | 425.45M | |
Interest Expense Growth
| +32.25% | +162.60% | +90.70% | +21.91% | |
Gross Interest Expense
| 69.69M | 183.01M | 349.00M | 425.45M | |
Interest Capitalized
| - | - | - | - | - |
Pretax Income
| (724.83M) | (989.25M) | (515.53M) | 61.47M | |
Pretax Income Growth
| -67.29% | -36.48% | +47.89% | +111.92% | |
Pretax Margin
| -53.72% | -62.30% | -22.19% | +1.91% | |
Income Tax
| (17.41M) | (3.90M) | 2.23M | 9.28M | |
Income Tax - Current - Domestic
| 145.00K | 759.00K | 1.44M | 1.74M | |
Income Tax - Current - Foreign
| 230.00K | 408.00K | 392.00K | 425.00K | |
Income Tax - Deferred - Domestic
| 394.00K | 386.00K | 472.00K | (73.00K) | |
Income Tax - Deferred - Foreign
| (18.18M) | (5.45M) | (76.00K) | 7.19M | |
Income Tax Credits
| - | - | - | - | - |
Equity in Earnings of Affiliates
| - | - | - | - | - |
Other After Tax Income (Expense)
| - | - | - | - | - |
Consolidated Net Income
| (707.42M) | (985.35M) | (517.76M) | 52.19M | |
Minority Interest Expense
| - | - | - | - | - |
Net Income
| (707.42M) | (985.35M) | (517.76M) | 52.19M | |
Net Income Growth
| -64.16% | -39.29% | +47.45% | +110.08% | |
Net Margin Growth
| -52.43% | -62.05% | -22.29% | +1.62% | |
Extraordinaries & Discontinued Operations
| - | - | - | - | - |
Discontinued Operations
| - | - | - | - | - |
Net Income After Extraordinaries
| (707.42M) | (985.35M) | (517.76M) | 52.19M | |
Preferred Dividends
| - | - | - | - | - |
Net Income Available to Common
| (707.42M) | (985.35M) | (517.76M) | 52.19M | |
EPS (Basic)
| -2.5112 | -3.3363 | -1.671 | 0.1616 | |
EPS (Basic) Growth
| -56.97% | -32.86% | +49.91% | +109.67% | |
Basic Shares Outstanding
| 281.70M | 295.34M | 309.86M | 322.85M | |
EPS (Diluted)
| -2.5112 | -3.3363 | -1.671 | 0.153 | |
EPS (Diluted) Growth
| -56.97% | -32.86% | +49.91% | +109.16% | |
Diluted Shares Outstanding
| 281.70M | 295.34M | 309.86M | 341.02M | |
EBITDA
| (539.35M) | (704.04M) | 86.36M | 805.33M | |
EBITDA Growth
| -1,130.02% | -30.53% | +112.27% | +832.48% | |
EBITDA Margin
| -39.97% | -44.34% | +3.72% | +24.98% |
Snapshot
| Average Recommendation | OVERWEIGHT | Average Target Price | 94.591 | |
| Number of Ratings | 30 | Current Quarters Estimate | 0.16 | |
| FY Report Date | 03 / 2026 | Current Year's Estimate | 0.978 | |
| Last Quarter’s Earnings | 0.265 | Median PE on CY Estimate | N/A | |
| Year Ago Earnings | 0.15 | Next Fiscal Year Estimate | 1.602 | |
| Median PE on Next FY Estimate | N/A |
Earnings Per Share
| This Quarter | Next Quarter | This Fiscal | Next Fiscal | |
|---|---|---|---|---|
| # of Estimates | 20 | 20 | 24 | 23 |
| Mean Estimate | 0.16 | 0.30 | 0.98 | 1.60 |
| High Estimates | 0.25 | 0.41 | 1.66 | 2.35 |
| Low Estimate | 0.02 | 0.22 | 0.72 | 1.09 |
| Coefficient of Variance | 35.62 | 18.26 | 19.78 | 15.99 |
Analysts Recommendations
| Current | 1 Month Ago | 3 Months Ago | |
|---|---|---|---|
| BUY | 20 | 21 | 20 |
| OVERWEIGHT | 1 | 1 | 2 |
| HOLD | 8 | 8 | 7 |
| UNDERWEIGHT | 1 | 1 | 1 |
| SELL | 0 | 0 | 0 |
| MEAN | Overweight | Overweight | Overweight |
SEC Filings for Affirm Holdings Inc. - AFRM
| Filing Date | Type | Category | Amended |
|---|---|---|---|
| No results | |||
Insider Actions for Affirm Holdings Inc. - AFRM
| Date | Name | Shares | Transaction | Value |
|---|---|---|---|---|
| Jan 7, 2026 | Katherine Elizabeth Adkins Chief Legal Officer | 132,088 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 | 0.00 |
| Jan 7, 2026 | Michael Alan Linford Chief Operating Officer | 18,686 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 | 0.00 |
| Jan 7, 2026 | Michael Alan Linford Chief Operating Officer | 58,562 | Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $74.43 per share | 4,358,769.66 |
| Jan 7, 2026 | Michael Alan Linford Chief Operating Officer | 59,315 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 | 0.00 |
| Jan 7, 2026 | Libor Michalek President; Director | 206,460 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 | 0.00 |
| Jan 7, 2026 | Libor Michalek President; Director | 205,500 | Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $74.43 per share | 15,295,365.00 |
| Jan 7, 2026 | Libor Michalek President; Director | 18,686 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 | 0.00 |
| Jan 7, 2026 | Katherine Elizabeth Adkins Chief Legal Officer | 131,224 | Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $74.43 per share | 9,767,002.32 |
| Jan 7, 2026 | Katherine Elizabeth Adkins Chief Legal Officer | N/A | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 | 0.00 |
| Jan 7, 2026 | Katherine Elizabeth Adkins Chief Legal Officer | 11,212 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 | 0.00 |
| Jul 10, 2025 | Robert W. O'Hare Chief Financial Officer | N/A | Open market or private sale of non-derivative or derivative security Non-derivative transaction at $70.03 per share | 0.00 |
| Jul 10, 2025 | Katherine Elizabeth Adkins Chief Legal Officer | 53,748 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 | 0.00 |
| Apr 4, 2025 | Libor Michalek President; Director | 8,449 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 | 0.00 |
| Apr 4, 2025 | Michael Alan Linford Chief Operating Officer | 39,706 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 | 0.00 |
| Apr 4, 2025 | Robert W. O'Hare Chief Financial Officer | 3,803 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 | 0.00 |
| Apr 4, 2025 | Robert W. O'Hare Chief Financial Officer | 10,789 | Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $45.51 per share | 491,007.39 |
| Apr 4, 2025 | Keith Rabois Director | 45,432 | Open market or private sale of non-derivative or derivative security Non-derivative transaction at $46.35 per share | 2,105,773.20 |
| Apr 4, 2025 | Keith Rabois Director | 46,932 | Open market or private sale of non-derivative or derivative security Non-derivative transaction at $45.56 per share | 2,138,221.92 |
| Apr 4, 2025 | Keith Rabois Director | 56,920 | Open market or private sale of non-derivative or derivative security Non-derivative transaction at $44.77 per share | 2,548,308.40 |
| Mar 21, 2025 | Noel B. Watson Director | 40,262 | Open market or private sale of non-derivative or derivative security Non-derivative transaction at $45.73 per share | 1,841,181.26 |
Affirm Holdings Inc. in the News
CFPB tightens rules for buy now, pay later lenders
The Consumer Financial Protection Bureau says "buy now, pay later" lenders are credit card providers and is applying additional regulations for the lenders to follow.
Rejected for a buy now, pay later plan? It might not be your fault
Klarna and Affirm surged in popularity during the pandemic’s online shopping boom, as buyers used them to finance big purchases such as designer bags and daily expenses.
Affirm is ‘bringing consumers their spending power back’ amid economic ‘turbulence’: CEO
Affirm co-founder and CEO Max Levchin argues consumers need more access to credit and purchasing power amid decades-high inflation and the Fed's rate hikes.
Consumer Financial Protection Bureau probes 'buy now, pay later' credit
The CFPB has launched an investigation into companies that offer "buy now, pay later" credit
Buy now, pay later is the new layaway: What are the pros and cons?
When Walmart announced it was ending its layaway program for the majority of its store categories in favor of a buy now, pay later format, social media users expressed their confusion and sadness with nostalgic tweets. Retail experts and financial lending providers aren’t surprised by the shift.
'Buy now, pay later' becomes popular in time for the holiday season
As Americans shop for the holidays, they will likely see a swarm of offers to get their gifts now but pay for them later in fixed monthly installments.