Affirm Holdings, Inc.
AFRMNasdaq
$76.07
↓ -4.7%Jul 17 close · end-of-day
Price
1Y↑ +13.2%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$26.5B
Enterprise Value
$33.6B
P/E
67.9
P/S
6.7
P/B
7.0
EV/EBITDA
55.3
PEG
—
FCF Yield
3.0%
Dividend Yield
—
Revenue (TTM)
$4.0B
Net Income (TTM)
$382.4M
Free Cash Flow (TTM)
$786.9M
Gross Margin
—
Operating Margin
8.3%
Net Margin
9.6%
ROE
10.1%
ROIC
2.9%
Debt / Equity
2.3
Net Cash
-$7.2B
Return 1Y
+9.5%
Company profile
Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce in the United States and Canada. The company's platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. As of June 30, 2021, the company had approximately 29,000 merchants integrated on its platform.
- CEO
- Max R. Levchin
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 2,550
- Headquarters
- California
- Website
- affirm.com
Management & directors
- Adkins KatherineChief Legal Officer
- Linford MichaelChief Operating Officer
- Michalek LiborPresident
- Jiyane SipheleleChief Accounting Officer
- O'Hare RobertChief Financial Officer
- Levchin Max RChief Executive Officer
Roles derived from SEC Form 4 filings.
Earnings
AFRM Q3 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue$1.0B↑ +32.6%
Diluted EPS$0.30↑ +2900.0%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| Revenue | $870.5M | $1.3B | $1.6B | $2.3B | $3.2B |
| Gross profit | — | — | — | — | — |
| Operating income | -$383.7M | -$866.0M | -$1.2B | -$615.8M | -$87.3M |
| Net income | -$441.0M | -$707.4M | -$985.3M | -$517.8M | $52.2M |
| Diluted EPS | -$2.94 | -$2.51 | -$3.34 | -$1.67 | $0.15 |
| Operating cash flow | -$193.1M | -$162.2M | $12.2M | $450.1M | $793.9M |
| Free cash flow | -$213.4M | -$248.5M | -$108.6M | $290.8M | $601.7M |
| Gross margin | — | — | — | — | — |
| Operating margin | -44.1% | -64.2% | -75.6% | -26.5% | -2.7% |
| Net margin | -50.7% | -52.4% | -62.1% | -22.3% | 1.6% |
| Line item | Q4 '24 | Q1 '24 | Q2 '24 | Q3 '25 | Q4 '25 | Q1 '25 | Q2 '25 | Q3 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $659.2M | $698.5M | $866.4M | $783.1M | $876.4M | $933.3M | $1.1B | $1.0B |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | -$73.5M | -$132.6M | -$4.3M | -$8.4M | $58.1M | $63.7M | $117.6M | $88.4M |
| Net income | -$45.1M | -$100.2M | $80.4M | $2.8M | $69.2M | $80.7M | $129.6M | $102.9M |
| Diluted EPS | -$0.13 | -$0.31 | $0.23 | $0.01 | $0.22 | $0.23 | $0.37 | $0.30 |
| Operating cash flow | $68.8M | $196.9M | $312.0M | $210.4M | $74.6M | $374.6M | $173.7M | $386.5M |
| Free cash flow | $30.5M | $152.7M | $268.1M | $157.4M | $23.5M | $320.2M | $118.0M | $325.1M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | -11.1% | -19.0% | -0.5% | -1.1% | 6.6% | 6.8% | 10.5% | 8.5% |
| Net margin | -6.8% | -14.3% | 9.3% | 0.4% | 7.9% | 8.6% | 11.5% | 9.9% |
Company news
Jul 15, 2026
- 5d agoIs Affirm Holdings (AFRM) Fully Valued Following Its Bed Bath And Beyond Checkout Deal?finance.yahoo.com
- 5d agoPayPal co-founder and Affirm CEO details his 'very high bar' for M&Afinance.yahoo.com
- 5d agoPayPal stock soars on report of buyout proposal from Stripe, Adventfinance.yahoo.com
- 5d agoHow Time Re-Rates Block Stock's Demanding Price Tagtrefis.com
- 5d ago3 Profitable Stocks Walking a Fine Linefinance.yahoo.com
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-07-01 | Michalek Libor· President | Tax withholding | 1,189 | $83.85 | $99,697.65 | filing |
| 2026-07-01 | Linford Michael· Chief Operating Officer | Tax withholding | 972 | $83.85 | $81,502.20 | filing |
| 2026-07-01 | Adkins Katherine· Chief Legal Officer | Tax withholding | 635 | $83.85 | $53,244.75 | filing |
| 2026-07-01 | Michalek Libor· President | Option exercise | 2,336 | $0.00 | $0.00 | filing |
| 2026-07-01 | Quarles Christa S | Award | 655 | $0.00 | $0.00 | filing |
| 2026-07-01 | Schneider Ryan M. | Award | 655 | $0.00 | $0.00 | filing |
| 2026-07-01 | Schneider Ryan M. | Award | 3,100 | $0.00 | $0.00 | filing |
| 2026-07-01 | Linford Michael· Chief Operating Officer | Option exercise | 2,336 | $0.00 | $0.00 | filing |
| 2026-07-01 | Adkins Katherine· Chief Legal Officer | Option exercise | 1,402 | $0.00 | $0.00 | filing |
| 2026-07-01 | Reses Jacqueline D | Award | 655 | $0.00 | $0.00 | filing |
| 2026-07-01 | GALANTI RICHARD A | Award | 655 | $0.00 | $0.00 | filing |
| 2026-07-01 | Liew Jeremy | Award | 655 | $0.00 | $0.00 | filing |
| 2026-06-26 | Linford Michael· Chief Operating Officer | Sale | 100,000 | $80.04 | $8.0M | filing |
| 2026-06-26 | Linford Michael· Chief Operating Officer | Option exercise | 100,000 | $5.39 | $539,000.00 | filing |
| 2026-06-01 | O'Hare Robert· Chief Financial Officer | Tax withholding | 8,355 | $72.91 | $609,163.05 | filing |
| 2026-06-01 | Michalek Libor· President | Tax withholding | 5,783 | $72.91 | $421,638.53 | filing |
| 2026-06-01 | Adkins Katherine· Chief Legal Officer | Tax withholding | 4,793 | $72.91 | $349,457.63 | filing |
| 2026-06-01 | Linford Michael· Chief Operating Officer | Tax withholding | 4,666 | $72.91 | $340,198.06 | filing |
| 2026-06-01 | Jiyane Siphelele· Chief Accounting Officer | Tax withholding | 4,546 | $72.91 | $331,448.86 | filing |
| 2026-06-01 | Michalek Libor· President | Option exercise | 11,363 | $0.00 | $0.00 | filing |
| 2026-06-01 | O'Hare Robert· Chief Financial Officer | Option exercise | 16,416 | $0.00 | $0.00 | filing |
| 2026-06-01 | Adkins Katherine· Chief Legal Officer | Option exercise | 10,590 | $0.00 | $0.00 | filing |
| 2026-06-01 | Linford Michael· Chief Operating Officer | Option exercise | 11,717 | $0.00 | $0.00 | filing |
| 2026-06-01 | Jiyane Siphelele· Chief Accounting Officer | Option exercise | 11,547 | $0.00 | $0.00 | filing |
| 2026-05-13 | Watson Noel Bertram | Sale | 2,000 | $65.00 | $130,000.00 | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.