Affirm Holdings Inc (AFRM)
Nasdaq Market Open
Affirm Holdings, Inc. is a financial technology company best known for its buy now, pay later platform, which lets consumers split purchases into scheduled payments at the point of sale. Founded in 2012 by Max Levchin and other co-founders, the company positions itself as a more transparent alternative to traditional credit cards, with upfront repayment terms and no compounding interest or late fees on its core consumer products.
Affirm works with merchants across online and in-store retail, including categories such as electronics, travel, home goods, apparel, fitness, and services. Its platform offers both merchant-subsidised, zero-interest instalment plans and interest-bearing loans that are underwritten on a transaction-by-transaction basis. The interest-bearing side accounts for the larger share of transaction volume and is an important driver of revenue.
The company earns money from several sources, including merchant fees, interest income, servicing income, and revenue associated with its consumer financial products. Affirm also offers the Affirm Card, a debit-linked product that extends its instalment-payment capabilities beyond partner merchant checkouts.
Affirm operates primarily in the United States, while also serving markets such as Canada and the United Kingdom. Its business depends on consumer spending trends, merchant adoption, funding costs, credit performance, and regulatory scrutiny of instalment lending. For investors, AFRM represents exposure to the intersection of digital payments, consumer credit, e-commerce, and embedded finance, with growth potential tied to both retail partnerships and the broader acceptance of point-of-sale financing.
Last updated
- Market Cap
- $25,736,954,720
- P/E
- 67.3
- P/FCF
- 32.71
- P/S
- 18.88
- Enterprise Value
- $32,887,452,720
- Sector
- Financials
- Industry
- Personal Credit Institutions
- Address
- 650 CALIFORNIA STREET, SAN FRANCISCO, CA, 94108
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- Market Cap
Market cap is the total value of a company's shares, calculated by multiplying the stock price by the number of shares outstanding.
- $25,736,954,720
- Enterprise Value
Enterprise value is the total value of a company, including its market cap, debt, and cash.
- $32,887,452,720
- P/E
P/E ratio compares a company's share price to its earnings per share.
- 67.3
- P/B
P/B ratio compares a company's share price to its book value per share.
- 6.8
- P/S
P/S ratio compares a company's share price to its revenue per share.
- 18.88
- EV / EBITDA
EV/EBITDA measures a company's value compared to its earnings before interest, taxes, depreciation, and amortization.
- -20.23
- EV / Sales
EV/Sales measures a company's value compared to its total revenue.
- 24.13
- EPS
- 1.14
- Dividend Yield
Dividend yield shows how much a company pays in dividends each year compared to its share price.
- 0%
- P/FCF
Price-to-free-cash-flow ratio compares a company's share price to the cash it generates after expenses and investments.
- 32.71
- P/CF
P/CF ratio compares a company's share price to the cash flow it generates from its operations.
- 25.5
- Free Cash Flow
Free cash flow is the cash a company has left after covering operating costs and capital expenses.
- $786,854,000
- ROE
ROE measures how effectively a company uses shareholders' equity to generate profit.
- 10.11%
- ROA
ROA measures how effectively a company uses its assets to generate profit.
- 2.91%
- Debt / Equity
Debt-to-equity ratio compares a company's total debt to its shareholders' equity.
- 2.35
- Current Ratio
Current ratio measures a company's ability to pay short-term debts using its short-term assets.
- 4.04
- Quick Ratio
Quick ratio measures a company's ability to pay short-term debts using cash and other easily available assets.
- 4.04
- Cash
Cash ratio measures a company's ability to cover short-term debts using only cash and cash equivalents.
- 3.56
- Avg Volume
Average volume shows the average number of shares traded over the last 30 trading days, helping indicate liquidity.
- $4,777,467
- Fundamentals Snapshot Price
Fundamentals snapshot price is the stock price used when calculating the company's financial ratios and metrics.
- 76.85
Income Statement
| Line Item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 |
|---|---|---|---|---|---|
| Revenue | 1.04B | 1.12B | 933.34M | 876.42M | 783.13M |
| Gross profit | 684.86M | 779.57M | 631.42M | 593.47M | 512.12M |
| Operating income | 202.19M | 117.63M | 63.66M | 58.06M | -8.39M |
| EBITDA | 296.2M | 320.55M | 258.38M | 241.49M | 172.44M |
| Net income | 102.9M | 129.59M | 80.69M | 69.24M | 2.8M |
| Basic EPS | — | — | — | — | — |
| Diluted EPS | — | — | — | — | — |
Balance Sheet
| Line Item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 |
|---|---|---|---|---|---|
| Total assets | 13.14B | 12.96B | 11.48B | 11.15B | 10.44B |
| Total liabilities | 9.36B | 9.41B | 8.18B | 8.09B | 7.56B |
| Total equity | 3.78B | 3.55B | 3.3B | 3.07B | 2.87B |
| Cash & equivalents | 2.47B | 1.53B | 1.43B | 1.35B | 1.35B |
| Current assets | 2.71B | 11.47B | 2.51B | 9.76B | 9.08B |
| Current liabilities | 3.78M | 171.41M | 171.65M | 180.1M | 143.93M |
Cash Flow
| Line Item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 |
|---|---|---|---|---|---|
| Operating cash flow | 386.76M | 173.74M | 374.57M | 74.64M | 210.39M |
| Investing cash flow | 149.19M | -1.36B | -139.61M | -454.51M | 35.52M |
| Financing cash flow | -152.63M | 1.19B | 110.09M | 387.26M | -245.56M |
| Change in cash | 379.73M | -3.04M | 341.19M | 20.46M | -1.2M |
- EODHD filings mapper does not expose edgar_index parity from the SDK/API yet.
- EODHD filings mapper does not expose ten_k_section parity from the SDK/API yet.
- EODHD filings mapper does not expose eight_k_text parity from the SDK/API yet.
- EODHD filings mapper does not expose form_3 parity from the SDK/API yet.
| Kind | Filing | Date | Link |
|---|---|---|---|
| form 4 | Form 4 — Noel Bertram Watson | View Filing | |
| form 4 | Form 4 — Max R Levchin | View Filing | |
| form 4 | Form 4 — Robert O'hare | View Filing | |
| form 4 | Form 4 — Robert O'hare | View Filing | |
| form 4 | Form 4 — Max R Levchin | View Filing | |
| form 4 | Form 4 — Siphelele Jiyane | View Filing | |
| form 4 | Form 4 — Siphelele Jiyane | View Filing | |
| form 4 | Form 4 — Robert O'hare | View Filing | |
| form 4 | Form 4 — Christa S Quarles | View Filing | |
| form 4 | Form 4 — Katherine Adkins | View Filing | |
| form 4 | Form 4 — Siphelele Jiyane | View Filing | |
| form 4 | Form 4 — Max R Levchin | View Filing | |
| form 4 | Form 4 — Max R Levchin | View Filing | |
| form 4 | Form 4 — Robert O'hare | View Filing | |
| form 4 | Form 4 — Michael Linford | View Filing | |
| form 4 | Form 4 — Max R Levchin | View Filing | |
| form 4 | Form 4 — Michael Linford | View Filing | |
| form 4 | Form 4 — Robert O'hare | View Filing | |
| form 4 | Form 4 — Katherine Adkins | View Filing | |
| form 4 | Form 4 — Katherine Adkins | View Filing | |
| form 4 | Form 4 — Katherine Adkins | View Filing | |
| form 4 | Form 4 — Siphelele Jiyane | View Filing | |
| form 4 | Form 4 — Katherine Adkins | View Filing | |
| form 4 | Form 4 — Robert O'hare | View Filing |
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