AFRM
Affirm Holdings, Inc.
Price Chart
Latest Quote
$71.86
+2.38 (+3.42%)
Current Price
| Previous Close | $69.49 |
| Open | $71.47 |
| Day High | $72.59 |
| Day Low | $70.31 |
| Volume | 852,433 |
Stock Information
| Shares Outstanding | 296.88M |
| Total Debt | $10.02B |
| Cash Equivalents | $1.70B |
| Revenue | $4.26B |
| Net Income | $1.93B |
| Sector | Financial Services |
| Industry | Credit Services |
| Market Cap | $24.52B |
| P/E Ratio | 13.14 |
| EPS (TTM) | $5.53 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $31.77B |
| Sales | $4.26B |
| Income | $1.93B |
| Book/sh | $16.26 |
| Cash/sh | $5.73 |
| Employees | 2K |
Financial Ratios
| Quick Ratio | 8.36 |
| Current Ratio | 11.98 |
| Debt/Eq | 182.77 |
| EPS Growth TTM | 2234.70% |
Returns & Margins
| ROA | 1.93% |
| ROE | 45.13% |
| Gross Margin | 48.93% |
| Operating Margin | 12.63% |
| Profit Margin | 45.29% |
Ownership
| Insider Ownership | 4.30% |
| Institutional Ownership | 87.88% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 14.49 |
| PEG | 7.88 |
| P/S | 5.76 |
| P/B | 4.47 |
Analyst Data
| Recommendation | buy |
| Target Price | $98.33 |
Technical Indicators
| SMA20 | $73.75 |
| SMA50 | $73.17 |
| SMA200 | $66.54 |
| RSI | 45.98 |
| ATR | 3.9884 |
| Shares Float | 283.76M |
| Short Float | 6.07% |
| Short Ratio | 3.79 |
| Volatility | 3.82 |
| Rel Volume | 0.96 |
Performance History
| Week | -1.58% |
| Month | +8.14% |
| Quarter | +3.67% |
| 6 Months | +15.07% |
| YTD | -1.82% |
| Year | -3.59% |
| 3 Years | +298.25% |
| 5 Years | -53.22% |
| 10 Years | -24.58% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-10-27 | $72.68 | 3,573,068 |
| 2026-10-26 | $69.49 | 2,457,900 |
| 2026-10-23 | $70.08 | 2,326,500 |
| 2026-10-22 | $72.40 | 3,769,200 |
| 2026-10-21 | $73.51 | 3,578,600 |
| 2026-10-20 | $73.85 | 2,514,800 |
| 2026-10-19 | $72.80 | 2,109,900 |
| 2026-10-16 | $74.01 | 3,633,500 |
| 2026-10-15 | $75.92 | 5,918,300 |
| 2026-10-14 | $70.51 | 7,992,600 |
| 2026-10-13 | $77.89 | 2,979,300 |
| 2026-10-12 | $78.63 | 2,910,900 |
| 2026-10-09 | $80.70 | 5,476,500 |
| 2026-10-08 | $77.15 | 5,223,300 |
| 2026-10-07 | $75.31 | 3,241,500 |
| 2026-10-06 | $74.88 | 2,802,100 |
| 2026-10-05 | $74.75 | 4,259,200 |
| 2026-10-02 | $70.77 | 2,519,400 |
| 2026-10-01 | $70.43 | 4,031,200 |
| 2026-09-30 | $69.23 | 2,811,800 |
| 2026-09-29 | $69.30 | 3,490,500 |
| 2026-09-28 | $67.21 | 3,679,500 |
About Affirm Holdings, Inc.
Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. Its platform offers pay-over-time solutions at checkout for both consumers and merchants. The company's commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time. It has active merchants covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies with an omni-channel presence. The company's merchants represent a range of industries, including electronics; equipment and auto; fashion and beauty; general merchandise; home and lifestyle services; sporting goods and outdoors; and travel and ticketing. Affirm Holdings, Inc. was founded in 2012 and is headquartered in San Francisco, California.
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Income Statement (Annual)
| Metric | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 |
|---|---|---|---|---|
| Revenue | ||||
| Reconciled Cost Of Revenue | $1,360,732,000 | $1,047,572,000 | $845,106,000 | $873,161,000 |
| Cost Of Revenue | $1,360,732,000 | $1,047,572,000 | $845,106,000 | $873,161,000 |
| Total Revenue | $4,261,083,000 | $3,224,412,000 | $2,322,999,000 | $1,587,985,000 |
| Operating Revenue | $4,261,083,000 | $3,224,412,000 | $2,322,999,000 | $1,587,985,000 |
| Expenses | ||||
| Interest Expense | $454,016,000 | $425,451,000 | $344,253,000 | $183,013,000 |
| Total Expenses | $3,390,089,000 | $2,886,419,000 | $2,587,825,000 | $2,569,964,000 |
| Other Income Expense | $75,750,000 | $148,921,000 | $93,552,000 | $175,747,000 |
| Other Non Operating Income Expenses | $75,750,000 | $148,737,000 | $100,320,000 | $211,617,000 |
| Net Non Operating Interest Income Expense | $-454,016,000 | $-425,451,000 | $-344,253,000 | $-183,013,000 |
| Interest Expense Non Operating | $454,016,000 | $425,451,000 | $344,253,000 | $183,013,000 |
| Operating Expense | $2,029,357,000 | $1,838,847,000 | $1,742,719,000 | $1,696,803,000 |
| Other Operating Expenses | $311,864,000 | $242,264,000 | $180,395,000 | $140,265,000 |
| Selling And Marketing Expense | $342,531,000 | $434,847,000 | $576,405,000 | $638,280,000 |
| General And Administrative Expense | $578,312,000 | $545,053,000 | $525,291,000 | $586,398,000 |
| Total Other Finance Cost | - | - | - | - |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $1,929,793,000 | $52,186,000 | $-517,757,000 | $-985,345,000 |
| Net Interest Income | $-454,016,000 | $-425,451,000 | $-344,253,000 | $-183,013,000 |
| Normalized Income | $1,929,793,000 | $52,029,232 | $-512,723,638 | $-949,618,480 |
| Net Income From Continuing And Discontinued Operation | $1,929,793,000 | $52,186,000 | $-517,757,000 | $-985,345,000 |
| Total Operating Income As Reported | $416,977,000 | $-87,273,000 | $-615,847,000 | $-1,200,862,000 |
| Net Income Common Stockholders | $1,929,793,000 | $52,186,000 | $-517,757,000 | $-985,345,000 |
| Net Income | $1,929,793,000 | $52,186,000 | $-517,757,000 | $-985,345,000 |
| Net Income Including Noncontrolling Interests | $1,929,793,000 | $52,186,000 | $-517,757,000 | $-985,345,000 |
| Net Income Continuous Operations | $1,929,793,000 | $52,186,000 | $-517,757,000 | $-985,345,000 |
| Pretax Income | $492,727,000 | $61,464,000 | $-515,527,000 | $-989,245,000 |
| Special Income Charges | $0 | $184,000 | $-6,768,000 | $-35,870,000 |
| Operating Income | $870,994,000 | $337,993,000 | $-264,826,000 | $-981,979,000 |
| Gross Profit | $2,900,351,000 | $2,176,840,000 | $1,477,893,000 | $714,824,000 |
| Per Share | ||||
| Diluted EPS | - | $0.15 | $-1.67 | $-3.34 |
| Basic EPS | - | $0.16 | $-1.67 | $-3.34 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $27,232 | $-1,734,638 | $-143,480 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Normalized EBITDA (Bullshit earnings) | $1,250,076,000 | $711,807,000 | $4,538,000 | $-635,728,000 |
| Total Unusual Items | $0 | $184,000 | $-6,768,000 | $-35,870,000 |
| Total Unusual Items Excluding Goodwill | $0 | $184,000 | $-6,768,000 | $-35,870,000 |
| Reconciled Depreciation | $303,333,000 | $225,076,000 | $169,044,000 | $134,634,000 |
| EBITDA (Bullshit earnings) | $1,250,076,000 | $711,991,000 | $-2,230,000 | $-671,598,000 |
| EBIT | $946,743,000 | $486,915,000 | $-171,274,000 | $-806,232,000 |
| Diluted NI Availto Com Stockholders | $1,929,793,000 | $52,186,000 | $-517,757,000 | $-985,345,000 |
| Tax Provision | $-1,437,067,000 | $9,279,000 | $2,230,000 | $-3,900,000 |
| Restructuring And Mergern Acquisition | $0 | $-184,000 | $6,768,000 | $35,870,000 |
| Provision For Doubtful Accounts | $796,650,000 | $616,683,000 | $460,628,000 | $331,860,000 |
| Selling General And Administration | $920,843,000 | $979,900,000 | $1,101,696,000 | $1,224,678,000 |
| Other Gand A | $578,312,000 | $545,053,000 | $525,291,000 | $586,398,000 |
| Diluted Average Shares | - | $341,023,566 | $309,857,129 | $295,343,466 |
| Basic Average Shares | - | $322,851,873 | $309,857,129 | $295,343,466 |
| Otherunder Preferred Stock Dividend | - | - | - | - |
Fetched: 2026-10-26
Balance Sheet (Annual)
| Metric | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $4,932,956,000 | $2,521,918,000 | $2,185,048,000 | $1,957,178,000 |
| Total Assets | $15,790,148,000 | $11,154,929,000 | $9,519,619,000 | $8,155,615,000 |
| Total Non Current Assets | $3,016,353,000 | $1,400,082,000 | $1,310,112,000 | $1,256,250,000 |
| Other Non Current Assets | $215,089,000 | $161,202,000 | $202,200,000 | $241,952,000 |
| Non Current Deferred Assets | $1,467,036,000 | $13,929,000 | $21,206,000 | $23,270,000 |
| Non Current Deferred Taxes Assets | $1,467,036,000 | $13,929,000 | $21,206,000 | $23,270,000 |
| Financial Assets | $34,151,000 | $45,823,000 | $17,207,000 | $50,545,000 |
| Investmentin Financial Assets | $40,396,000 | $40,277,000 | $73,009,000 | $43,172,000 |
| Goodwill And Other Intangible Assets | $550,868,000 | $547,091,000 | $546,941,000 | $577,005,000 |
| Other Intangible Assets | $26,416,000 | $12,935,000 | $13,502,000 | $34,434,000 |
| Current Assets | $12,773,798,000 | $9,754,845,000 | $8,209,507,000 | $6,899,365,000 |
| Assets Held For Sale Current | $1,000 | $0 | $36,000 | $76,000 |
| Restricted Cash | $803,005,000 | $401,968,000 | $282,293,000 | $367,917,000 |
| Prepaid Assets | $86,315,000 | $72,214,000 | $50,194,000 | $49,962,000 |
| Receivables | $9,281,797,000 | $7,054,783,000 | $5,732,250,000 | $4,414,730,000 |
| Loans Receivable | $8,997,447,000 | $6,628,606,000 | $5,360,959,000 | $4,198,431,000 |
| Accounts Receivable | $284,350,000 | $426,177,000 | $353,028,000 | $199,085,000 |
| Allowance For Doubtful Accounts Receivable | $-22,700,000 | $-18,800,000 | $-14,900,000 | $-12,900,000 |
| Gross Accounts Receivable | $307,050,000 | $444,977,000 | $367,928,000 | $211,985,000 |
| Cash Cash Equivalents And Short Term Investments | $2,602,680,000 | $2,225,880,000 | $2,144,734,000 | $2,066,680,000 |
| Cash And Cash Equivalents | $1,630,038,000 | $1,354,455,000 | $1,013,106,000 | $892,027,000 |
| Other Receivables | - | $3,771,000 | $18,263,000 | $17,214,000 |
| Notes Receivable | - | - | - | - |
| Debt | ||||
| Net Debt | $8,363,577,000 | $6,466,908,000 | $5,561,749,000 | $4,506,422,000 |
| Total Debt | $10,022,802,000 | $7,853,306,000 | $6,614,348,000 | $5,451,006,000 |
| Long Term Debt And Capital Lease Obligation | $10,022,802,000 | $7,853,306,000 | $6,614,348,000 | $5,451,006,000 |
| Long Term Debt | $9,993,615,000 | $7,821,363,000 | $6,574,855,000 | $5,398,449,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $10,306,324,000 | $8,085,920,000 | $6,787,630,000 | $5,621,432,000 |
| Total Non Current Liabilities Net Minority Interest | $10,074,365,000 | $7,905,822,000 | $6,662,671,000 | $5,528,628,000 |
| Other Non Current Liabilities | $51,563,000 | $52,516,000 | $30,680,000 | $24,355,000 |
| Current Liabilities | $231,959,000 | $180,098,000 | $124,959,000 | $92,804,000 |
| Payables And Accrued Expenses | $231,959,000 | $180,098,000 | $124,959,000 | $92,804,000 |
| Interest Payable | $28,568,000 | $24,465,000 | $24,327,000 | $13,498,000 |
| Payables | $84,647,000 | $82,820,000 | $41,019,000 | $28,602,000 |
| Accounts Payable | $84,647,000 | $82,820,000 | $41,019,000 | $28,602,000 |
| Derivative Product Liabilities | - | $2,787,000 | $17,643,000 | $53,267,000 |
| Other Current Liabilities | - | - | - | $53,267,000 |
| Non Current Deferred Liabilities | - | - | - | - |
| Equity | ||||
| Common Stock Equity | $5,483,824,000 | $3,069,009,000 | $2,731,989,000 | $2,534,183,000 |
| Total Equity Gross Minority Interest | $5,483,824,000 | $3,069,009,000 | $2,731,989,000 | $2,534,183,000 |
| Stockholders Equity | $5,483,824,000 | $3,069,009,000 | $2,731,989,000 | $2,534,183,000 |
| Gains Losses Not Affecting Retained Earnings | $-36,368,000 | $-15,069,000 | $-21,565,000 | $-15,423,000 |
| Other Equity Adjustments | $-36,368,000 | $-15,069,000 | $-21,565,000 | $-15,423,000 |
| Retained Earnings | $-1,127,025,000 | $-3,056,818,000 | $-3,109,004,000 | $-2,591,247,000 |
| Preferred Securities Outside Stock Equity | - | - | - | - |
| Other | ||||
| Ordinary Shares Number | $337,175,699 | $325,112,799 | $311,053,031 | $296,846,217 |
| Share Issued | $337,175,699 | $325,112,799 | $311,053,031 | $296,846,217 |
| Tangible Book Value | $4,932,956,000 | $2,521,918,000 | $2,185,048,000 | $1,957,178,000 |
| Invested Capital | $15,477,439,000 | $10,890,372,000 | $9,306,844,000 | $7,932,632,000 |
| Working Capital | $12,541,839,000 | $9,574,747,000 | $8,084,548,000 | $6,806,561,000 |
| Capital Lease Obligations | $29,187,000 | $31,943,000 | $39,493,000 | $52,557,000 |
| Total Capitalization | $15,477,439,000 | $10,890,372,000 | $9,306,844,000 | $7,932,632,000 |
| Additional Paid In Capital | $6,647,214,000 | $6,140,893,000 | $5,862,555,000 | $5,140,850,000 |
| Capital Stock | $3,000 | $3,000 | $3,000 | $3,000 |
| Common Stock | $3,000 | $3,000 | $3,000 | $3,000 |
| Long Term Capital Lease Obligation | $29,187,000 | $31,943,000 | $39,493,000 | $52,557,000 |
| Current Accrued Expenses | $147,312,000 | $97,278,000 | $83,940,000 | $64,202,000 |
| Investments And Advances | $40,396,000 | $40,277,000 | $73,009,000 | $43,172,000 |
| Available For Sale Securities | $40,396,000 | $40,277,000 | $73,009,000 | $43,172,000 |
| Goodwill | $524,452,000 | $534,156,000 | $533,439,000 | $542,571,000 |
| Net PPE | $708,813,000 | $591,760,000 | $449,549,000 | $320,306,000 |
| Accumulated Depreciation | $-716,659,000 | $-455,315,000 | $-242,206,000 | $-124,070,000 |
| Gross PPE | $1,425,472,000 | $1,047,075,000 | $691,755,000 | $444,376,000 |
| Leases | $17,525,000 | $21,990,000 | $21,023,000 | $20,214,000 |
| Other Properties | $22,978,000 | $19,124,000 | $21,863,000 | $30,171,000 |
| Machinery Furniture Equipment | $1,384,969,000 | $1,005,961,000 | $648,869,000 | $393,991,000 |
| Properties | $0 | $0 | $0 | $0 |
| Other Short Term Investments | $972,642,000 | $871,425,000 | $1,131,628,000 | $1,174,653,000 |
| Other Investments | - | - | - | - |
Fetched: 2026-10-26
Cash Flow Statement (Annual)
| Metric | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $992,628,000 | $601,720,000 | $290,842,000 | $-108,594,000 |
| Operating Activities | ||||
| Operating Cash Flow | $1,230,974,000 | $793,909,000 | $450,138,000 | $12,181,000 |
| Cash Flow From Continuing Operating Activities | $1,230,973,000 | $793,910,000 | $450,138,000 | $12,181,000 |
| Operating Gains Losses | $190,741,000 | $189,144,000 | $394,076,000 | $332,093,000 |
| Investing Activities | ||||
| Capital Expenditure | $-238,346,000 | $-192,189,000 | $-159,296,000 | $-120,775,000 |
| Investing Cash Flow | $-2,553,427,000 | $-1,083,064,000 | $-1,325,149,000 | $-1,653,070,000 |
| Cash Flow From Continuing Investing Activities | $-2,553,427,000 | $-1,083,065,000 | $-1,325,149,000 | $-1,653,070,000 |
| Net Other Investing Changes | $-2,324,936,000 | $-1,282,766,000 | $-1,316,719,000 | $-1,971,592,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $0 | $-250,000,000 | $0 | $-109,000 |
| Financing Cash Flow | $2,009,688,000 | $751,425,000 | $913,149,000 | $1,349,945,000 |
| Cash Flow From Continuing Financing Activities | $2,009,687,000 | $751,425,000 | $913,149,000 | $1,349,945,000 |
| Net Other Financing Charges | $-386,438,000 | $-1,365,900,000 | $-280,032,000 | $-302,855,000 |
| Net Common Stock Issuance | $0 | $-250,000,000 | $0 | $-109,000 |
| Issuance Of Capital Stock | - | - | - | $0 |
| Net Preferred Stock Issuance | - | - | - | $0 |
| Preferred Stock Issuance | - | - | - | $0 |
| Common Stock Issuance | - | - | - | $0 |
| Other | ||||
| Repayment Of Debt | $-38,668,734,000 | $-22,287,609,000 | $-13,829,388,000 | $-6,407,830,000 |
| Issuance Of Debt | $40,905,930,000 | $24,594,242,000 | $14,989,444,000 | $8,044,971,000 |
| Interest Paid Supplemental Data | $426,175,000 | $404,377,000 | $318,235,000 | $163,191,000 |
| Income Tax Paid Supplemental Data | $6,618,000 | $2,736,000 | $1,187,000 | $808,000 |
| End Cash Position | $2,433,043,000 | $1,756,423,000 | $1,295,399,000 | $1,259,944,000 |
| Beginning Cash Position | $1,756,423,000 | $1,295,399,000 | $1,259,944,000 | $1,550,807,000 |
| Effect Of Exchange Rate Changes | $-10,615,000 | $-1,245,000 | $-2,683,000 | $81,000 |
| Changes In Cash | $687,235,000 | $462,269,000 | $38,138,000 | $-290,944,000 |
| Proceeds From Stock Option Exercised | $158,930,000 | $60,692,000 | $33,125,000 | $15,768,000 |
| Common Stock Payments | $0 | $-250,000,000 | $0 | $-109,000 |
| Net Issuance Payments Of Debt | $2,237,196,000 | $2,306,633,000 | $1,160,056,000 | $1,637,141,000 |
| Net Long Term Debt Issuance | $2,237,196,000 | $2,306,633,000 | $1,160,056,000 | $1,637,141,000 |
| Long Term Debt Payments | $-38,668,734,000 | $-22,287,609,000 | $-13,829,388,000 | $-6,407,830,000 |
| Long Term Debt Issuance | $40,905,930,000 | $24,594,242,000 | $14,989,444,000 | $8,044,971,000 |
| Net Investment Purchase And Sale | $9,855,000 | $391,891,000 | $150,866,000 | $455,348,000 |
| Sale Of Investment | $1,002,775,000 | $1,215,777,000 | $1,136,937,000 | $1,537,495,000 |
| Purchase Of Investment | $-992,920,000 | $-823,886,000 | $-986,071,000 | $-1,082,147,000 |
| Net PPE Purchase And Sale | $-238,346,000 | $-192,189,000 | $-159,296,000 | $-120,775,000 |
| Purchase Of PPE | $-238,346,000 | $-192,189,000 | $-159,296,000 | $-120,775,000 |
| Change In Working Capital | $88,135,000 | $-56,940,000 | $-62,352,000 | $-134,975,000 |
| Change In Other Current Assets | $-50,111,000 | $-19,288,000 | $31,228,000 | $-14,466,000 |
| Change In Payables And Accrued Expense | $5,643,000 | $47,300,000 | $74,177,000 | $-52,819,000 |
| Change In Accrued Expense | $15,958,000 | $-46,557,000 | $-44,031,000 | $-30,250,000 |
| Change In Interest Payable | $5,166,000 | $2,386,000 | $11,138,000 | $7,915,000 |
| Change In Payable | $-10,315,000 | $93,857,000 | $118,208,000 | $-22,569,000 |
| Change In Account Payable | $1,827,000 | $41,801,000 | $12,417,000 | $-5,038,000 |
| Change In Receivables | $132,603,000 | $-84,952,000 | $-167,757,000 | $-67,690,000 |
| Changes In Account Receivables | $132,603,000 | $-84,952,000 | $-167,757,000 | $-67,690,000 |
| Other Non Cash Items | $-891,711,000 | $-516,755,000 | $-315,965,000 | $-82,979,000 |
| Stock Based Compensation | $304,671,000 | $321,433,000 | $344,511,000 | $451,709,000 |
| Provisionand Write Offof Assets | $796,650,000 | $616,683,000 | $460,628,000 | $331,860,000 |
| Asset Impairment Charge | $0 | $0 | $752,000 | $1,244,000 |
| Amortization Of Securities | $-35,421,000 | $-44,031,000 | $-22,799,000 | $-36,060,000 |
| Deferred Tax | $-1,455,217,000 | $7,113,000 | $0 | - |
| Deferred Income Tax | $-1,455,217,000 | $7,113,000 | $0 | - |
| Depreciation Amortization Depletion | $303,333,000 | $225,076,000 | $169,044,000 | $134,634,000 |
| Depreciation And Amortization | $303,333,000 | $225,076,000 | $169,044,000 | $134,634,000 |
| Gain Loss On Investment Securities | $192,278,000 | $271,562,000 | $406,714,000 | $421,934,000 |
| Net Income From Continuing Operations | $1,929,793,000 | $52,186,000 | $-517,757,000 | $-985,345,000 |
| Net Business Purchase And Sale | - | $0 | $0 | $-16,051,000 |
| Purchase Of Business | - | $0 | $0 | $-16,051,000 |
| Net Intangibles Purchase And Sale | - | - | $0 | $0 |
| Purchase Of Intangibles | - | - | $0 | $0 |
| Preferred Stock Payments | - | - | - | $0 |
Fetched: 2026-10-26