Affirm Holdings, Inc. (AFRM)Financial Services | Credit Services | San Francisco, United States | NasdaqGS
77.76 USD
+0.27
(0.348%)
⇧
(Aug. 28, 2026, 4 p.m.
EDT)
After hours: 77.40 -0.36 (-0.360%) ⇩ (Aug. 28, 2026, 7:59 p.m. EDT) |
Hot Take ↕ | Aug. 22, 2026, 3:54 a.m. EDT
Affirm is showing signs of a robust recovery, trading well above its 200-day average while analysts upgrade the name to Top Pick. The business fundamentals are compelling with revenue growing over 30 percent annually, though the high debt-to-equity ratio remains a structural drag. The options market is pricing in a bounce toward the 95 to 100 strike range, aligning with the positive earnings momentum. While the valuation is stretched on a trailing basis, the forward multiple reflects the growth story. Investors should watch the debt load closely, but the current trajectory supports a bullish stance on the near term. |
| Model | MAE |
|---|---|
| AutoTheta ✓ | 0.070907 |
| MSTL | 0.071232 |
| AutoETS | 0.072792 |
| AutoARIMA | 0.073069 |
Forecast horizon: 45 days | Selected: AutoTheta
| Forecast Reliability | |
|---|---|
| Score | 40% |
| H-stat | 0.24 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.397 |
| Excess Kurtosis | -0.95 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 182.238 |
| Revenue per Share | 12.714 |
| Market Cap | 26,237,876,224 |
| Trailing P/E | 14.01 |
| Forward P/E | 16.11 |
| Profit Margins | 45.29% |
| Website | https://www.affirm.com |
As of Aug. 22, 2026, 3:54 a.m. EDT: Speculators are positioning for a range between 75 and 100, with significant call open interest walls at 95 and 100 strikes indicating upside targets. Put activity clusters around the current price level at 75 and 77, creating a support floor. Implied volatility remains moderate at the money, suggesting a preference for directional bets over hedging.
| Attribute | Value |
|---|---|
| 52 Week Change | -0.057528555 |
| Address1 | 221 Main Street |
| Address2 | Floor 6 |
| All Time High | 176.65 |
| All Time Low | 8.62 |
| Ask | 95.2 |
| Ask Size | 1 |
| Audit Risk | 1 |
| Average Analyst Rating | 1.7 - Buy |
| Average Daily Volume10 Day | 3,345,050 |
| Average Daily Volume3 Month | 3,836,445 |
| Average Volume | 3,836,445 |
| Average Volume10Days | 3,345,050 |
| Bid | 74.34 |
| Bid Size | 2 |
| Board Risk | 8 |
| Book Value | 11.299 |
| City | San Francisco |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 8 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 77.76 |
| Current Ratio | 8.69 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,786,665,600 |
| Day High | 90.44 |
| Day Low | 77.59 |
| Debt To Equity | 182.238 |
| Display Name | Affirm |
| Earnings Call Timestamp End | 1,787,860,800 |
| Earnings Call Timestamp Start | 1,787,860,800 |
| Earnings Growth | 21.869 |
| Earnings Quarterly Growth | 22.347 |
| Earnings Timestamp | 1,787,860,800 |
| Earnings Timestamp End | 1,793,908,800 |
| Earnings Timestamp Start | 1,793,908,800 |
| Ebitda | 739,193,984 |
| Ebitda Margins | 0.17347999 |
| Enterprise To Ebitda | 46.81 |
| Enterprise To Revenue | 8.12 |
| Enterprise Value | 34,601,455,616 |
| Eps Current Year | 4.63 |
| Eps Forward | 4.82697 |
| Eps Trailing Twelve Months | 5.55 |
| Esg Populated | 0 |
| Exchange | NMS |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 77.0935 |
| Fifty Day Average Change | 0.6665039 |
| Fifty Day Average Change Percent | 0.008645397 |
| Fifty Two Week Change Percent | -5.7528553 |
| Fifty Two Week High | 93.2 |
| Fifty Two Week High Change | -15.439995 |
| Fifty Two Week High Change Percent | -0.16566518 |
| Fifty Two Week Low | 42.095 |
| Fifty Two Week Low Change | 35.665 |
| Fifty Two Week Low Change Percent | 0.8472503 |
| Fifty Two Week Range | 42.095 - 93.2 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,610,548,200,000 |
| Float Shares | 283,366,371 |
| Forward Eps | 4.82697 |
| Forward P E | 16.109486 |
| Free Cashflow | 319,311,616 |
| Full Exchange Name | NasdaqGS |
| Fullday Change | 0.270004 |
| Fullday Change Percent | 0.348438 |
| Fullday Price | 77.4 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,785,542,400 |
| Gross Margins | 0.4893 |
| Gross Profits | 2,084,964,992 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.04315 |
| Held Percent Institutions | 0.91850996 |
| Implied Shares Outstanding | 337,421,256 |
| Industry | Credit Services |
| Industry Disp | Credit Services |
| Industry Key | credit-services |
| Ipo Expected Date | 2,021-01-13 |
| Is Earnings Date Estimate | 1 |
| Language | en-US |
| Last Fiscal Year End | 1,782,777,600 |
| Long Business Summary | 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. |
| Long Name | Affirm Holdings, Inc. |
| Market | us_market |
| Market Cap | 26,237,876,224 |
| Market State | CLOSED |
| Max Age | 86,400 |
| Message Board Id | finmb_695381746 |
| Most Recent Quarter | 1,782,777,600 |
| Net Income To Common | 1,929,793,024 |
| Next Fiscal Year End | 1,814,313,600 |
| Non Diluted Market Cap | 25,951,289,801 |
| Number Of Analyst Opinions | 30 |
| Open | 85.884 |
| Operating Cashflow | 1,230,973,952 |
| Operating Margins | 0.1263 |
| Overall Risk | 8 |
| Payout Ratio | 0.0 |
| Peg Ratio | 0.75 |
| Phone | 415 960 1518 |
| Post Market Change | -0.3600006 |
| Post Market Change Percent | -0.46296373 |
| Post Market Price | 77.4 |
| Post Market Time | 1,787,961,586 |
| Previous Close | 77.49 |
| Price Eps Current Year | 16.794817 |
| Price Hint | 2 |
| Price To Book | 6.8820252 |
| Price To Sales Trailing12 Months | 6.157562 |
| Profit Margins | 0.45289 |
| Quick Ratio | 6.122 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 1.67647 |
| Region | US |
| Regular Market Change | 0.270004 |
| Regular Market Change Percent | 0.348438 |
| Regular Market Day High | 90.44 |
| Regular Market Day Low | 77.59 |
| Regular Market Day Range | 77.59 - 90.44 |
| Regular Market Open | 85.884 |
| Regular Market Previous Close | 77.49 |
| Regular Market Price | 77.76 |
| Regular Market Time | 1,787,947,201 |
| Regular Market Volume | 29,014,196 |
| Return On Assets | 0.019340001 |
| Return On Equity | 0.45126 |
| Revenue Growth | 0.33 |
| Revenue Per Share | 12.714 |
| Sand P52 Week Change | 0.20504117 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 10 |
| Shares Outstanding | 296,881,962 |
| Shares Percent Shares Out | 0.0432 |
| Shares Short | 14,461,742 |
| Shares Short Previous Month Date | 1,784,073,600 |
| Shares Short Prior Month | 16,725,898 |
| Short Name | Affirm Holdings, Inc. |
| Short Percent Of Float | 0.0496 |
| Short Ratio | 4.44 |
| Source Interval | 15 |
| State | CA |
| Symbol | AFRM |
| Target High Price | 117.0 |
| Target Low Price | 55.1 |
| Target Mean Price | 92.47 |
| Target Median Price | 90.0 |
| Total Cash | 1,630,038,016 |
| Total Cash Per Share | 4.831 |
| Total Debt | 9,993,615,360 |
| Total Revenue | 4,261,082,112 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 5.55 |
| Trailing P E | 14.010811 |
| Trailing Peg Ratio | 0.7571 |
| Triggerable | 1 |
| Two Hundred Day Average | 66.509224 |
| Two Hundred Day Average Change | 11.250778 |
| Two Hundred Day Average Change Percent | 0.16916117 |
| Type Disp | Equity |
| Volume | 29,014,196 |
| Website | https://www.affirm.com |
| Zip | 94,105 |