NASDAQ · Software - Infrastructure

Affirm Holdings, Inc. (AFRM) Stock

$80.70 +4.60% NASDAQ: AFRM Technology

Valuation

MetricValue
Price$80.70
Market Cap$27.03B
P/E Ratio12.14
P/B Ratio4.28
P/S Ratio5.55
EPS (TTM)$0.15
52-Week High$90.44
52-Week Low$42.09
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE47.91%
ROA12.22%
ROCE4.17%
Gross Margin48.37%
Operating Margin8.51%
Net Margin46.11%
Debt/Equity1.79
Current Ratio13.54

Annual Financials (USD)

Metric20222023202420252026
Revenue$1.3B$1.6B$2.3B$3.2B$3.9B
Operating Profit$-866.0M$-1.2B$-616.0M$-87.0M$871.0M
Net Profit$-707.0M$-985.0M$-518.0M$52.0M$1.9B
EPS$-2.51$-3.34$-1.67$0.15$5.53
Op Margin-64.2%-75.6%-26.5%-2.7%22.1%

Balance Sheet (USD)

Metric20222023202420252026
Total Assets$7.0B$8.2B$9.5B$11.2B$15.8B
Total Liabilities$4.4B$5.6B$6.8B$8.1B$10.3B
Cash$1.3B$892.0M$1.0B$1.4B$2.4B
Borrowings$4.1B$5.5B$6.6B$7.9B$9.8B

Latest News

Mastercard vs. Affirm: Which Fintech Stock Has More Room to Run? Zacks · Jul 22, 2026 CoreWeave upgraded, IBM initiated: Wall Street's top analyst calls The Fly · Jul 22, 2026 Bernstein initiates Affirm at Outperform, says "optionalities abound" Investing.com · Jul 22, 2026 Bernstein Initiates Affirm Holdings at Outperform MT Newswires · Jul 22, 2026 PayPal Says a $53 Billion Takeover Offer from Stripe Undervalues It. How to Play PYPL Stock Here. Barchart · Jul 21, 2026

Cash Flow (USD)

Metric20222023202420252026
Operating Cash Flow$-162.0M$12.0M$450.0M$794.0M$1.2B
Investing Cash Flow$-2.1B$-1.8B$-1.5B$-1.3B$-2.8B
Financing Cash Flow$-125.0M$-81.0M$-183.0M$-542.0M$-325.0M
Net Cash Flow$-142.0M$-291.0M$35.0M$461.0M$677.0M
Free Cash Flow$-274.0M$-109.0M$291.0M$602.0M$993.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.00
EV / EBITDA24.48
FCF Yield4.28%
Quick Ratio12.73
Interest Coverage1.43
Return 1Y4.18%
Return 3Y309.64%
Return 5Y-43.30%

Ownership

Insiders Held4.35%
Institutions Held87.29%
Institutions Float Held91.25%
Institutional HolderSharesReport Date
Capital Research Global Investors24,592,0332026-03-31
Capital World Investors22,512,9232026-03-31
Morgan Stanley21,715,9822026-03-31
Blackrock Inc.18,732,4932026-03-31
FMR, LLC17,294,3812026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ALLYAlly Financial Inc. $37.59 -0.63% 8.84 $11.43B 3.17%
BFHBread Financial Holdings, Inc. $100.58 -0.15% 7.50 $4.06B 0.94%
COFCapital One Financial Corporation $199.26 -0.07% 12.39 $122.24B 1.60%
EDNMFEdenred S.A. $25.20 +0.00% 13.31 $5.82B 6.07%
PRGPROG Holdings, Inc. $30.48 -1.36% 8.46 $1.21B 1.80%

About Affirm Holdings, Inc.

Affirm Holdings, Inc. is led by CEO Max Rafailovych Levchin, employs 2,006 people, headquartered in San Francisco, US, publicly traded since 2021.

Affirm Holdings, Inc. (AFRM) stock trades at $80.70 with a market capitalization of $27.03B. The stock is valued at a price-to-earnings (P/E) ratio of 12.14, price-to-book of 4.28, price-to-sales of 5.55. Over the past 52 weeks the stock has ranged between $42.09 and $90.44, and currently trades 10.8% below its 52-week high.

On profitability, Affirm Holdings, Inc. generates a return on equity (ROE) of 47.91% — well above the market average, a sign of a high-quality business, return on capital employed of 4.17%, an operating margin of 8.51%, a net profit margin of 46.11%.

In its most recent fiscal year, Affirm Holdings, Inc. reported annual revenue of $3.9B, net profit of $1.9B, revenue has compounded at 35.3% a year over the last five years.

The balance sheet shows a debt-to-equity ratio of 1.79, a current ratio of 13.54, total assets of $15.8B, $2.4B in cash and equivalents.

AFRM has a beta of 3.61 (more volatile than the overall market).

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