affirm holdings inc. - AFRM

AFRM

Close Chg Chg %
87.35 -1.47 -1.68%

Closed Market

85.88

-1.47 (1.68%)

Volume: 6.40M

Last Updated:

Sep 8, 2025, 4:00 PM EDT

Company Overview: affirm holdings inc. - AFRM

AFRM Key Data

Open

$87.57

Day Range

85.76 - 88.53

52 Week Range

30.90 - 100.00

Market Cap

$28.18B

Shares Outstanding

322.60M

Public Float

268.62M

Beta

3.65

Rev. Per Employee

N/A

P/E Ratio

570.92

EPS

$0.15

Yield

0.00%

Dividend

N/A

EX-DIVIDEND DATE

SHORT INTEREST

N/A

AVERAGE VOLUME

9.61M

 

AFRM Performance

1 Week
 
-1.25%
 
1 Month
 
20.77%
 
3 Months
 
48.25%
 
1 Year
 
127.24%
 
5 Years
 
N/A
 

AFRM Analyst Ratings

  • Sell
  • Under
  • Hold
  • Over
  • Buy
Number of Ratings 26
Full Ratings ➔

About affirm holdings inc. - AFRM

Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce. Its platform consists of three core elements: a point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. The company was founded by Max R. Levchin in 2012 and is headquartered in San Francisco, CA.

AFRM At a Glance

Affirm Holdings, Inc.
650 California Street
San Francisco, California 94108
Phone 1-415-960-1518 Revenue 3.22B
Industry Finance/Rental/Leasing Net Income 52.19M
Sector Finance 2025 Sales Growth 38.804%
Fiscal Year-end 06 / 2026 Employees 2,206
View SEC Filings

AFRM Valuation

P/E Current 586.013
P/E Ratio (with extraordinary items) N/A
P/E Ratio (without extraordinary items) 451.895
Price to Sales Ratio 7.312
Price to Book Ratio 7.324
Price to Cash Flow Ratio 29.699
Enterprise Value to EBITDA 35.775
Enterprise Value to Sales 8.935
Total Debt to Enterprise Value 0.265

AFRM Efficiency

Revenue/Employee 1,461,655.485
Income Per Employee 23,656.392
Receivables Turnover 7.566
Total Asset Turnover 0.312

AFRM Liquidity

Current Ratio 6.557
Quick Ratio 6.557
Cash Ratio 5.571

AFRM Profitability

Gross Margin 85.801
Operating Margin 17.996
Pretax Margin 1.906
Net Margin 1.618
Return on Assets 0.505
Return on Equity 1.799
Return on Total Capital 0.487
Return on Invested Capital 0.539

AFRM Capital Structure

Total Debt to Total Equity 248.993
Total Debt to Total Capital 71.346
Total Debt to Total Assets 68.504
Long-Term Debt to Equity 242.484
Long-Term Debt to Total Capital 69.481
  • 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 93.95
Number of Ratings 26 Current Quarters Estimate 0.106
FY Report Date 09 / 2025 Current Year's Estimate 0.921
Last Quarter’s Earnings 0.20 Median PE on CY Estimate N/A
Year Ago Earnings 0.15 Next Fiscal Year Estimate 1.522
Median PE on Next FY Estimate N/A

Earnings Per Share

This Quarter Next Quarter This Fiscal Next Fiscal
# of Estimates 16 17 20 18
Mean Estimate 0.11 0.26 0.92 1.52
High Estimates 0.19 0.47 1.50 2.06
Low Estimate 0.02 0.15 0.59 0.71
Coefficient of Variance 46.62 35.32 24.43 25.36

Analysts Recommendations

Current 1 Month Ago 3 Months Ago
BUY 16 17 16
OVERWEIGHT 1 1 2
HOLD 9 9 7
UNDERWEIGHT 0 0 0
SELL 0 0 0
MEAN Overweight Overweight Overweight

Insider Actions for Affirm Holdings Inc. - AFRM

Date Name Shares Transaction Value
Jul 10, 2025 Katherine Elizabeth Adkins Chief Legal Officer 169,569 Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 Non-derivative transaction at $22.3 per share 3,781,388.70
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 N/A Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 0.00
Jul 10, 2025 Katherine Elizabeth Adkins Chief Legal Officer 112,467 Open market or private sale of non-derivative or derivative security Non-derivative transaction at $70.27 per share 7,903,056.09
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
Jul 10, 2025 Katherine Elizabeth Adkins Chief Legal Officer 140,467 Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 Non-derivative transaction at $8.8 per share 1,236,109.60
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
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 Libor Michalek President; Director 39,706 Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 0.00
Apr 4, 2025 Libor Michalek President; Director 175,860 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 8,003,388.60
Apr 4, 2025 Libor Michalek President; Director 181,170 Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 0.00
Apr 4, 2025 Michael Alan Linford Chief Operating Officer 100,690 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 4,582,401.90
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 Michael Alan Linford Chief Operating Officer 6,613 Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 0.00
Apr 4, 2025 Michael Alan Linford Chief Operating Officer 104,004 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
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

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