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AFRM:NASDAQ
Affirm Holdings Inc
$77.66
+8.12%
(+5.83) 1D
$78.26
+0.78% (+0.60)
After hours
Closed: Jun 24, 4:00:02 PM GMT-4  ·   USD
All symbols
SymbolPriceChange% Change
Generating top insights for AFRM...
Open
$72.76
High
$79.97
Low
$72.24
Mkt. cap
26.01B
Avg. vol.
4.89M
Volume
0.00
P/E ratio
72.48
52-wk high
$100.00
52-wk low
$42.10
EPS
$1.07
Beta
3.70
Shares outstanding
294.36M
No. of employees
2K
Open
$72.76
High
$79.97
Low
$72.24
Mkt. cap
26.01B
Avg. vol.
4.89M
Volume
0.00
P/E ratio
72.48
52-wk high
$100.00
52-wk low
$42.10
EPS
$1.07
Beta
3.70
Shares outstanding
294.36M
No. of employees
2K
News stories
From sources across the web
Profile
Affirm Holdings, Inc. is an American financial technology company and a point-of-sale lender. Founded in 2012 by PayPal co-founder Max Levchin, it is the largest U.S. based buy now, pay later financier. As of 2025, Affirm reports nearly 27 million users and processing $37 billion in annual payments. Affirm offers unsecured installment loans at the point-of-sale through various methods. These include payment links at online checkout, payment options at self-checkout kiosks, integration into third-party digital wallets, and virtual or physical cards. The company generates revenue by applying a service fee to sellers, charging interest to borrowers, or both, and does not charge a late fee. Affirm also offers a savings account and a debit card. The lender says its loan underwriting involves evaluating transactions by considering credit scores and other pertinent factors, while also incorporating machine learning. Affirm's services are available in the U.S., Canada and the U.K. Wikipedia
About Affirm Holdings Inc
CEOMax Levchin
Employees2.21K
FoundedJan 1, 2012
HeadquartersSan Francisco, California, United States
SectorFinancial services
Websiteaffirm.com
Analyst Ratings
Based on 23 analysts giving stock ratings to AFRM in the past 3 months
Strong Buy
Buy
18
Hold
5
Sell
0
12 month forecast
Based on 23 Wall Street analysts offering 12 month price targets for AFRM in the last 3 months.
Highest
Current $77.66
$100.00 (+28.77%)
Average
$85.05 (+9.52%)
Lowest
$70.00 (-9.86%)
Analyst
Recommendation
Action
Price Target
Projected
Date
Dan Dolev
Mizuho Securities
Buy
Maintained
-
-
06/23/2026
Vincent Caintic
BTIG
Hold
Maintained
-
-
06/17/2026
Jason Kupferberg
Wells Fargo
Buy
Maintained
$89.00
+14.6%
06/15/2026
Andrew Jeffrey
William Blair
Buy
Maintained
-
-
06/04/2026
Matthew Coad
Truist Financial
Buy
Maintained
$80.00
+3%
05/28/2026
Ken Shih
DBS
Buy
Maintained
$88.00
+13.3%
05/21/2026
Adam Frisch
Evercore ISI
Buy
Maintained
$90.00
+15.9%
05/13/2026
Will Nance
Goldman Sachs
Buy
Maintained
$90.00
+15.9%
05/13/2026
Chris Krueger CFA
TD Cowen
Buy
Maintained
$90.00
+15.9%
05/13/2026
Ramsey El Assal
Cantor Fitzgerald
Buy
Reiterated
$80.00
+3%
05/12/2026
Daniel Perlin
RBC Capital
Hold
Maintained
$80.00
+3%
05/12/2026
Kyle Peterson
Needham
Buy
Reiterated
$90.00
+15.9%
05/13/2026
James Faucette
Morgan Stanley
Buy
Maintained
$79.00
+1.7%
05/13/2026
Bryan Keane
Citi
Buy
Maintained
$100.00
+28.8%
05/13/2026
Timothy Chiodo
UBS
Hold
Maintained
$82.00
+5.6%
05/11/2026
Matthew O'Neill
Bank of America Securities
Buy
Reiterated
$88.00
+13.3%
05/11/2026
David Koning
Robert W. Baird
Hold
Maintained
$70.00
-9.9%
05/08/2026
Andrew Bauch
BMO Capital
Buy
Reiterated
$78.00
+0.4%
05/08/2026
James Friedman
Susquehanna
Buy
Maintained
$100.00
+28.8%
05/07/2026
Rayna Kumar
Oppenheimer
Buy
Reiterated
$87.00
+12%
05/08/2026
Reginald Smith
J.P. Morgan
Buy
Reiterated
$80.00
+3%
05/08/2026
Kyle Joseph
Stephens
Hold
Maintained
$75.00
-3.4%
05/08/2026
Hoang Nguyen
TD Cowen
Buy
Reiterated
$90.00
+15.9%
05/08/2026
Unknown Analyst
BMO Capital
Buy
Initiated
$75.00
-3.4%
04/22/2026
David Scharf
Citizens JMP
Buy
Maintained
$85.00
+9.5%
04/17/2026
Moshe Orenbuch
TD Cowen
Buy
Maintained
$80.00
+3%
03/31/2026
Tristan Gerra
Robert W. Baird
Hold
Initiated
$55.00
-29.2%
02/23/2026
Harry Bartlett
Rothschild & Co Redburn
Buy
Maintained
$107.00
+37.8%
01/28/2026
Last report
May 7, 2026
Fiscal period
Q3 2026
EPS / Est. (USD)
$0.62 / $0.73
-15.04%miss
Revenue / Est. (USD)
1.04B / 995.20M
+4.38%beat
Fiscal Q3 2026 earnings call
Waiting for the earnings call
At a glance
Insights from the latest news and reports
Previous reportsAll values in USD
Loading Previous Earnings...
Income statement
Revenue
Net income
All values in USD
Jun 2025
Sep 2025
Dec 2025
Mar 2026
Revenue
876.42M
933.34M
1.12B
1.04B
Cost of goods sold
451.34M
478.14M
580.52M
540.56M
Cost of revenue
451.34M
478.14M
580.52M
540.56M
Research and development expenses
154.60M
168.11M
184.87M
191.62M
Total research and development expenses
-
-
-
-
Selling, general, and admin expenses
213.21M
223.43M
240.00M
218.16M
Operating expense
367.81M
391.54M
424.88M
409.78M
Total operating expenses
819.15M
869.68M
1.01B
950.34M
Operating income
57.26M
63.66M
117.63M
88.43M
Other non operating income
17.82M
20.58M
18.32M
21.61M
EBT including unusual items
71.58M
83.02M
133.24M
107.38M
EBT excluding unusual items
72.38M
81.52M
133.24M
107.38M
Income tax expense
2.34M
2.33M
3.65M
4.48M
Effective tax rate
3.26%
2.80%
2.74%
4.17%
Other operating expenses
-
-
-
-
Net income
69.24M
80.69M
129.59M
102.90M
Net profit margin
7.90%
8.65%
11.54%
9.91%
Earnings per share
0.53
0.61
0.72
0.62
Interest and investment income
-
-
-
-
Interest expense
-2.70M
-2.71M
-2.71M
-2.66M
Net interest expenses
-2.70M
-2.71M
-2.71M
-2.66M
Depreciation and amortization charges
-
-
-
-
EBITDA
129.23M
137.05M
197.98M
166.51M
Gain or loss from assets sale
-116.88M
-119.05M
-185.23M
-127.20M
Insider transactions
Insider transactions data is drawn from third-party sources. Learn more
Insider
Position
Type
Date
Shares
Amount
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