AFRM logo

AFFIRM HOLDINGS INC

AFRMNASDAQ
πŸ† #506 by market capEarnings Nov 4πŸ’³Fintech
$68.29β–² $1.10 (+1.61%)
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24hβ–² 1.6%
7dβ–Ό 4.8%
14dβ–Ό 5.2%
30dβ–Ό 12.2%
ytdβ–Ό 8.4%
1yβ–Ό 10.8%
🏦Market Cap
$22.87B
Mid Cap
πŸ“ˆRevenue Growth (YoY)
+22.5%
Healthy
πŸ“ŠGross Margin
68.2%
High
πŸ’΅FCF Margin
23.7%
Strong
βš–οΈP/S Ratio
5.7x
Fair
Otter Score
76
Good

Trading Snapshot

Day Range
$67.49 – $68.73
52-Week Range
$42.10 – $90.44
Volume
$3.84B
Avg Volume
$2.68B
Shares Outstanding
334.9M
Next Earnings
Nov 17, 2026

Fundamentals Snapshot

Annual Revenue
$3.95B
Last Q Revenue
$1.09B
P/E Ratio
12.5
P/S Ratio
5.7x
EPS (TTM)
$5.69
Dividend Yield
0.00%
Dilution (1yr)
+0.1%

Why Investors Own AFRM

  • βœ“High-growth profile β€” revenue up +25.5% YoY with expanding Fintech exposure.
  • βœ“Healthy economics β€” 73% gross margin and 8% free-cash-flow margin.
  • βœ“Expanding take-rate and new products grow revenue per user.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

AFRM logo

AFFIRM HOLDINGS INC

AFRM
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$3.9Bβ–² +22.5% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
69.1%β–² +2.4% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$871Mβ–Ό βˆ’1097.9% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$993Mβ–² +65.0% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
349.7Mβ–² +0.1% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$7.4Bβ–² +$264M YoY
StockOtter Β· stockotter.space

About AFFIRM HOLDINGS INC

Affirm Holdings, Inc. provides a digital and mobile-first commerce platform that operates across the United States and Canada. This platform offers consumers a point-of-sale financing solution, delivers various tools for merchants, and includes a dedicated mobile application for users. Leveraging its payment network and partnerships with originating banks, the company enables customers to spread the cost of their purchases over time, with payment terms ranging from a single month up to forty-eight months. By June 30, 2021, approximately 29,000 merchants had integrated Affirm's services, representing a diverse array of businesses from small enterprises and large corporations to direct-to-consumer brands and traditional physical stores. These businesses span numerous industries, including sporting goods, home furnishings, travel, apparel, accessories, consumer electronics, and jewelry. Affirm was founded in 2012 and is based in San Francisco, California.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
76/100

Analyst Ratings

β“˜
Consensus
Buy
41 analysts
Strong Buy9
Buy22
Hold10
Sell0
Strong Sell0
Ratings as of Sep 2026

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