Affirm Holdings, Inc. (AFRM) Stock Price & Analysis

Affirm Holdings, Inc. (AFRM) closed at USD 72.4 on Thursday, October 22, 2026, down 1.51% on the day. The US market is currently closed (pre-market); this is not a live price.

The prior close was USD 73.51; the Oct 22, 2026 session ranged USD 71.4–74.71 on volume of 3,769,282 shares. Market capitalization is $24.43B, with a 52-week range of USD 42.1–90.44 (NMS). Source: Nexqual, retrieved October 23, 2026 at 09:55 UTC.

Also available as compact Markdown for AI agents: nexqual.com/AFRM.md

Key facts (AFRM)

• Last four reported quarters (through Jun 30, 2026): revenue $4.26B, net income $1.93B (45.3% margin) (SEC filings).
• Valuation: P/E 12.7x (avg 233.3x at the last 2 fiscal year-ends).
• 2 of 80 tracked superinvestors hold AFRM (13F, Q2 2026): 0 new, 1 added, 1 reduced, 0 unchanged.
• Insider open-market sales, last ~7 months: 10 Form 4 filings, $32.2M; 2 not under a Rule 10b5-1 plan ($3.8M); 2 by opportunistic insiders (0 outside 10b5-1 plans), 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
• Analysts: Buy (mean 2.03 on a 1–5 scale) (34 analysts), mean target USD 98.59 (range 66–115).
• Total return with dividends: 1Y -4.2% vs S&P 500 +14.9%; 5Y -53.4% vs S&P 500 +80.3%.
• Next earnings: 2026-11-05, EPS estimate USD 0.86, revenue estimate $1.21B.

Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (AFRM)

Fiscal years end Jun. EPS is split-adjusted.

Valuation (price ÷ last four quarters, through Jun 30, 2026) (AFRM)

P/E 12.7x · P/S 5.7x · P/FCF 24.6x · P/B 4.5x · FCF yield 4.06% · Earnings yield 7.90%

P/E at fiscal year-ends: Jun 2026 14.7x, Jun 2025 451.8x.

Superinvestors (SEC 13F-HR, Q2 2026) (AFRM)

2 of 80 tracked investors hold AFRM. Each row is the investor's latest 13F; change is vs their prior-quarter share count.

Insider sales (SEC Form 4, open-market, last ~7 months) (AFRM)

8 of 10 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.

% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).

Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

Analysts (AFRM)

Consensus Buy (mean 2.03 on a 1–5 scale), 34 analysts; mean target USD 98.59 (low 66, high 115).

Rating changes, last 120 days:

Total return (dividends reinvested) (AFRM)

AFRM revenue by product line (quarter ended Jun 30, 2026)

AFRM revenue by region (fiscal year ended Jun 30, 2026)

As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).

AFRM suppliers, customers and competitors (named in its 10-K)

Quoted from the company's 10-K filed Aug 27, 2026.

Companies that name AFRM in their SEC reports

AFRM analyst estimates and revisions

AFRM options: expected move

Options price a move of about ±14.5% (±$10.48) by Nov 6, 2026, which includes earnings on Nov 5, 2026; the earnings reaction alone is priced at about ±10.3%. Over the last 8 reports the stock moved ±8.3% on average.

30-day implied volatility 72.7% vs 57.1% realized over the last 30 trading days. Put/call ratio (volume) 0.81. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.

Key Statistics (as of October 23, 2026 at 09:55 UTC)

Technical Analysis (AFRM)

Nexqual's technical model rates AFRM "SELL" based on 1 bullish and 4 bearish signals across 127 daily candles, as of October 23, 2026 at 09:55 UTC.

Analyst Ratings (AFRM)

Wall Street analysts rate AFRM "Buy" based on 34 analysts, with a mean price target of USD 98.59 (range USD 66–115), per Nexqual as of October 23, 2026 at 09:55 UTC.

Earnings (AFRM)

Recent Earnings History

Source: Nexqual, October 23, 2026 at 09:55 UTC.

Financials & Fundamentals (AFRM)

Source: Nexqual, October 23, 2026 at 09:55 UTC.

Financial Health Score (AFRM)

Nexqual rates Affirm Holdings, Inc.'s overall financial health "Strong" across five dimensions, as of October 23, 2026 at 09:55 UTC.

Ownership (AFRM)

Source: Nexqual, October 23, 2026 at 09:55 UTC.

Leadership (AFRM)

Affirm Holdings, Inc. is led by Max Roth Levchin, Founder, CEO & Chairman, per Nexqual as of October 23, 2026 at 09:55 UTC.

Major Backers & Investors (AFRM)

Notable institutional backers of Affirm Holdings, Inc. include Capital Group, Morgan Stanley, Growth Fund of America, according to Nexqual as of October 23, 2026 at 09:55 UTC.

Active Investors

Index Funds (Passive)

Source: Nexqual, October 23, 2026 at 09:55 UTC.

From Affirm Holdings, Inc.'s Latest SEC 10-K Filing (filed 2026-08-27)

Key Strengths & Strategy (as disclosed to the SEC)

• Our proprietary technology's ability to price and assess risk at a transaction level provides a unique advantage compared to legacy payment and credit systems.
• By utilizing our unique risk model predicated on sophisticated machine learning algorithms, proprietary data, and product-level underwriting, we can serve consumers across the credit spectrum and price risk across transaction types.
• We have developed and currently operate an enterprise-wide AML program designed to prevent our network from being used to facilitate money laundering, terrorist financing, and other financial crimes, and to enable us to comply with all applicable anti-money laundering and anti-terrorism financing laws and regulations, including the Bank Secrecy Act and the Patriot Act.
• Our proprietary risk model has consistently outperformed traditional credit models, enabling us to better help eligible consumers finance their purchases.

Partnerships

• We are subject to compliance obligations related to U.S. anti-money laundering ("AML") laws and regulations both directly through our subsidiary Affirm Payments, a registered money services business and licensed money transmitter, and through our partnership with our originating bank partners.
• Through the Affirm App and in partnership with Cross River Bank, we offer an FDIC-insured, high-yield savings account, with no minimum deposit requirements or fees.

Legal & Regulatory Risks (Item 1A, quoted)

• We are required to comply with constantly changing international, federal, state, and local laws and regulations that regulate, among other things, the terms of the loans that we and our originating bank partners originate and the associated fees that may be charged.
• New laws or regulations could also require us to incur significant expenses and devote significant management attention to ensure compliance.
• We have applied to establish Affirm Bank as an industrial loan company to be chartered in the State of Nevada, and there can be no assurance that our application will be approved, or that we will realize the expected benefits of obtaining a bank charter and federal deposit insurance.
• The highly regulated environment in which our originating bank partners operate could have an adverse effect on our business, results of operations, financial condition, and future prospects.

Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.

Peers & Related Stocks

Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 09:55 UTC. This page is informational and not investment advice.

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