Affirm Holdings, Inc. (AFRM)Financial Services | Credit Services | San Francisco, United States | NasdaqGS
75.92 USD
+5.41
(7.673%)
⇧
(Oct. 15, 2026, 4 p.m.
EDT)
|
Hot Take ↕ | Oct. 10, 2026, 4:26 a.m. EDT
Affirm is a high-risk, high-reward turnaround play that has successfully navigated its post-2022 crash. The fundamentals are the strongest signal here: revenue is growing at 33% and returns on equity are nearing 45%, proving the business model works. While the balance sheet carries high leverage, the cash flow is robust enough to sustain operations. Long-term investors should view this as a solid buy, acknowledging the four-year price history but focusing on the three-year recovery. Short-term investors face a volatile environment with a beta of 3.8; the options market is pricing in a battle at the $80 level, with heavy hedging on the downside. Do not expect dividends, and be prepared for wild swings. |
| Model | MAE |
|---|---|
| AutoARIMA ✓ | 0.040308 |
| AutoETS | 0.040321 |
| AutoTheta | 0.041159 |
| MSTL | 0.042408 |
Forecast horizon: 45 days | Selected: AutoARIMA
| Forecast Reliability | |
|---|---|
| Score | 40% |
| H-stat | 1.57 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.373 |
| Excess Kurtosis | -1.02 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 182.77 |
| Revenue per Share | 12.714 |
| Market Cap | 25,617,020,928 |
| Trailing P/E | 13.73 |
| Forward P/E | 15.14 |
| Beta | 3.82 |
| Profit Margins | 45.29% |
| Website | https://www.affirm.com |
As of Oct. 10, 2026, 4:26 a.m. EDT: Implied volatility is elevated across the board, signaling uncertainty. Call open interest clusters heavily at the $80 to $85 strikes, creating a resistance wall, while significant put open interest sits below $70, indicating downside protection is being purchased. Deep out-of-the-money strikes show inflated premiums, suggesting speculative bets on tail events.
| Attribute | Value |
|---|---|
| 52 Week Change | 0.11811483 |
| Address1 | 221 Main Street |
| Address2 | Floor 6 |
| All Time High | 176.65 |
| All Time Low | 8.62 |
| Ask | 81.44 |
| Ask Size | 2 |
| Audit Risk | 1 |
| Average Analyst Rating | 1.6 - Buy |
| Average Daily Volume10 Day | 4,332,310 |
| Average Daily Volume3 Month | 4,347,142 |
| Average Volume | 4,347,142 |
| Average Volume10Days | 4,332,310 |
| Beta | 3.817 |
| Bid | 75.69 |
| Bid Size | 1 |
| Board Risk | 8 |
| Book Value | 16.264 |
| City | San Francisco |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 7 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 75.92 |
| Current Ratio | 11.976 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,790,726,400 |
| Day High | 76.17 |
| Day Low | 68.39 |
| Debt To Equity | 182.77 |
| Display Name | Affirm |
| Dividend Yield | 0.0 |
| Earnings Call Timestamp End | 1,793,908,800 |
| Earnings Call Timestamp Start | 1,793,908,800 |
| Earnings Growth | 21.869 |
| Earnings Quarterly Growth | 22.347 |
| Earnings Timestamp | 1,793,908,800 |
| 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 | 45.912 |
| Enterprise To Revenue | 7.965 |
| Enterprise Value | 33,937,928,192 |
| Eps Current Year | 3.85097 |
| Eps Forward | 5.01587 |
| Eps Trailing Twelve Months | 5.53 |
| Esg Populated | 0 |
| Exchange | NMS |
| Exchange Data Delayed By | 15 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 73.7636 |
| Fifty Day Average Change | 2.156395 |
| Fifty Day Average Change Percent | 0.029233862 |
| Fifty Two Week Change Percent | 11.811483 |
| Fifty Two Week High | 90.44 |
| Fifty Two Week High Change | -14.520004 |
| Fifty Two Week High Change Percent | -0.16054848 |
| Fifty Two Week Low | 42.095 |
| Fifty Two Week Low Change | 33.824997 |
| Fifty Two Week Low Change Percent | 0.8035395 |
| Fifty Two Week Range | 42.095 - 90.44 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,610,548,200,000 |
| Float Shares | 283,815,141 |
| Forward Eps | 5.01587 |
| Forward P E | 15.135958 |
| Free Cashflow | 478,676,736 |
| Full Exchange Name | NasdaqGS |
| Full Time Employees | 2,358 |
| Fullday Change | -0.4399948 |
| Fullday Change Percent | -0.5795506 |
| Fullday Price | 75.48 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,790,812,800 |
| Gross Margins | 0.4893 |
| Gross Profits | 2,084,964,992 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.04316 |
| Held Percent Institutions | 0.88627 |
| 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 | 0 |
| 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 | 25,617,020,928 |
| Market State | PRE |
| 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 | 22,975,013,320 |
| Number Of Analyst Opinions | 32 |
| Open | 68.5 |
| Operating Cashflow | 1,230,973,952 |
| Operating Margins | 0.1263 |
| Overall Risk | 8 |
| Payout Ratio | 0.0 |
| Peg Ratio | 7.99 |
| Phone | 415 960 1518 |
| Pre Market Change | -0.4399948 |
| Pre Market Change Percent | -0.5795506 |
| Pre Market Price | 75.48 |
| Pre Market Time | 1,792,151,014 |
| Previous Close | 70.51 |
| Price Eps Current Year | 19.714514 |
| Price Hint | 2 |
| Price To Book | 4.6679783 |
| Price To Sales Trailing12 Months | 6.011858 |
| Profit Margins | 0.45289 |
| Quick Ratio | 8.364 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 1.58824 |
| Region | US |
| Regular Market Change | 5.41 |
| Regular Market Change Percent | 7.67266 |
| Regular Market Day High | 76.17 |
| Regular Market Day Low | 68.39 |
| Regular Market Day Range | 68.39 - 76.17 |
| Regular Market Open | 68.5 |
| Regular Market Previous Close | 70.51 |
| Regular Market Price | 75.92 |
| Regular Market Time | 1,792,094,401 |
| Regular Market Volume | 5,916,513 |
| Return On Assets | 0.019340001 |
| Return On Equity | 0.45126 |
| Revenue Growth | 0.33 |
| Revenue Per Share | 12.714 |
| Sand P52 Week Change | 0.16207206 |
| 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 | 0.053000003 |
| Shares Short | 17,882,143 |
| Shares Short Previous Month Date | 1,788,134,400 |
| Shares Short Prior Month | 15,666,710 |
| Short Name | Affirm Holdings, Inc. |
| Short Percent Of Float | 0.060700003 |
| Short Ratio | 3.79 |
| Source Interval | 15 |
| State | CA |
| Symbol | AFRM |
| Target High Price | 115.0 |
| Target Low Price | 66.0 |
| Target Mean Price | 98.59375 |
| Target Median Price | 100.0 |
| Total Cash | 1,701,895,040 |
| Total Cash Per Share | 5.044 |
| Total Debt | 10,022,802,432 |
| Total Revenue | 4,261,082,112 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 5.53 |
| Trailing P E | 13.728751 |
| Trailing Peg Ratio | 8.2617 |
| Triggerable | 1 |
| Two Hundred Day Average | 66.81435 |
| Two Hundred Day Average Change | 9.105652 |
| Two Hundred Day Average Change Percent | 0.13628289 |
| Type Disp | Equity |
| Volume | 5,916,513 |
| Website | https://www.affirm.com |
| Zip | 94,105 |