AFRM
Neutral signalScored 2026-10-20 Drivers: Congress, fundamentals. Insiders: neutral. Moteurs : Congrès, fondamentaux. Initiés : neutre.
Research, not advice.
À propos
Affirm Holdings, Inc.
- Nom
- Affirm Holdings, Inc.
- Secteur
- Financial Services
- Industrie
- Financial - Credit Services
- Bourse
- NASDAQ
- Capitalisation
- $21.0B
- Employés
- 2,358
- PDG
- Max Rafailovych Levchin
- Site web
- https://www.affirm.com
- Marché
- ALLYBFHCOFEDNMFPRGPYPL
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.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 2 000 titres (~155 720,00 $ US)
- Insiders
- Watson Noel Bertram
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$20,055,117
Avg sell (VWAP, 90d window) $80.59 vs last close $69.49 (-13.8%)
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
$16,297,181 of that total is under a Rule 10b5-1 plan. It is shown here and left out of the score.
- Last activity
- 2026-08-12
- Liquidity
- Liquid $257,006,562/day · 20d vol
- Last synced
-
2026-10-26 21:10:04
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-10-09 | O'Hare Robert | Sell · S · 10b5-1 | 65,591 | $80.02 | $5,248,592 | Form 4 |
| 2026-09-14 | Jiyane Siphelele | Sell · S | 26,980 | $72.19 | $1,947,686 | Form 4 |
| 2026-09-04 | Jiyane Siphelele | Sell · S | 25,000 | $72.41 | $1,810,250 | Form 4 |
| 2026-09-03 | Adkins Katherine | Sell · S · 10b5-1 | 41,664 | $75.53 | $3,146,882 | Form 4 |
| 2026-09-02 | O'Hare Robert | Sell · S · 10b5-1 | 5,886 | $74.02 | $435,682 | Form 4 |
| 2026-09-01 | Adkins Katherine | Sell · S · 10b5-1 | 2,300 | $71.87 | $165,301 | Form 4 |
| 2026-09-01 | O'Hare Robert | Sell · S · 10b5-1 | 200 | $72.51 | $14,502 | Form 4 |
| 2026-08-28 | Linford Michael | Sell · S · 10b5-1 | 79,219 | $90.01 | $7,130,502 | Form 4 |
| 2026-08-12 | Watson Noel Bertram | Sell · S · 10b5-1 | 2,000 | $77.86 | $155,720 | Form 4 |
Sales marked 10b5-1 are scheduled in advance and don't count toward the Quorum score. Les ventes marquées 10b5-1 sont planifiées à l'avance et ne pèsent pas dans le score Quorum.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2023-04-10 | Daniel Goldman | Purchase | $1,001 - $15,000 |
| 2022-03-04 | Thomas Suozzi | Sale (Full) | $1,001 - $15,000 |
| 2022-02-11 | Josh Gottheimer | Sale (Full) | $1,001 - $15,000 |
| 2021-12-28 | Josh Gottheimer | Sale (Partial) | $1,001 - $15,000 |
| 2021-10-13 | Thomas Suozzi | Purchase | $15,001 - $50,000 |
| 2021-10-12 | Josh Gottheimer | Purchase | $1,001 - $15,000 |
Signal
Neutral signalScored 2026-10-20 Drivers: Congress, fundamentals. Insiders: neutral. Moteurs : Congrès, fondamentaux. Initiés : neutre.
Affirm's strong financial turnaround (90 liquidity, 85 fundamental trend) is materially offset by a near-absent catalyst score of 15, with insider selling, zero buys, and macro headwinds from rising yields actively…
The first sentence of the analysis written for AFRM on 2026-10-20 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Unavailable or mixed. – Insider: neutral. All sales (≈ $156K) were pre-planned Rule 10b5-1 trades, excluded from the score. No open-market buys or discretionary sales. – Initiés : neutre. Toutes les ventes (≈ $156K) sont sous plan 10b5-1 préétabli, exclues du score. Aucun achat ni vente discrétionnaire.
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Congress Unavailable or mixed. 1 purchase disclosure year to date, a thin reading
- Timing Unavailable or mixed. Weekly bias is flat
- Financial indicators Supports a bullish reading. Current ratio 12.73 · operating margin 22%
Suggested stop 65.76, nearest stored support minus 0.5 ATR(5.4% under the last close). Reward/risk to the next stored resistance is 0.48. Wait — that reward/risk is under 2. Research, not advice. Not an order.
Recent news
- 2026-10-19 Affirm Holdings (AFRM) Stock Falls Amid Market Uptick: What Investors Need to Know In the latest trading session, Affirm Holdings (AFRM) closed at $72.8, marking a -1.63% move from the previous day.
- 2026-10-16 Wall Street Analysts Believe Affirm Holdings (AFRM) Could Rally 29%: Here''s is How to Trade The consensus price target hints at a 29% upside potential for Affirm Holdings (AFRM). While empirical research shows that this sought-after metric is hardly effective, an upward trend in earnings estimate revisions could mean that the stock will witness an upside in the near term.
- 2026-10-16 Investors Heavily Search Affirm Holdings, Inc. (AFRM): Here is What You Need to Know Affirm Holdings (AFRM) has received quite a bit of attention from Zacks.com users lately. Therefore, it is wise to be aware of the facts that can impact the stock''s prospects.
- 2026-10-15 Affirm Holdings, Inc. (NASDAQ:AFRM) Stock Rated “Moderate Buy” by Wall Street Analysts Shares of Affirm Holdings, Inc. (NASDAQ: AFRM - Get Free Report) have been given an average recommendation of "Moderate Buy" by the thirty-two brokerages that are covering the stock, MarketBeat reports. Eight equities research analysts have rated the stock with a hold recommendation and twenty-four have issued a buy recommendation on the company. The average 12
- 2026-10-14 Affirm stock slips after US inflation data: here''s why it may fall to $60 soon Affirm''s stock fell more than 11.5% on Wednesday to its lowest level since October 1, leaving it down 25% from its high for the year. The selloff extended after strong US inflation data pushed bond yields higher.
- 2026-10-14 Affirm Falls 10% as Inflation Print Lifts Yields; Klarna Drops 3%, PayPal Barely Budges A hotter-than-expected inflation report lifted long-term Treasury yields, and Affirm Holdings (NASDAQ:AFRM | AFRM Price Prediction) stock is taking the biggest hit among buy now, pay later (BNPL) lenders. Affirm stock is at $69.99, down 10% in afternoon trading.
- 2026-10-14 SoFi Falls 6% Despite StoneX Buy Initiation as Rising Yields Hit Fintech; Affirm Drops 9%, Robinhood Slides 6% Rising long-term interest rates are overwhelming a fresh buy initiation from StoneX on SoFi Technologies (NASDAQ:SOFI | SOFI Price Prediction) and sending SoFi stock sharply lower. SoFi stock is at $14.
- 2026-10-13 Why Affirm Holdings (AFRM) Dipped More Than Broader Market Today In the latest trading session, Affirm Holdings (AFRM) closed at $77.82, marking a -1.03% move from the previous day.
- 2026-10-13 Why Investors Need to Take Advantage of These 2 Computer and Technology Stocks Now Investors looking for ways to find stocks that are set to beat quarterly earnings estimates should check out the Zacks Earnings ESP.
- 2026-10-12 Will Affirm Holdings (AFRM) Beat Estimates Again in Its Next Earnings Report? Affirm Holdings (AFRM) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.
Market snapshot
Financial ratios
| Metric | Trend | 2026-06-30 | 2025-06-30 | 2024-06-30 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 69.1% | 67.5% | 63.6% | 45.0% | 57.3% | |
| Ebit Margin | 24.0% | 15.1% | -7.4% | -50.8% | -48.6% | |
| Ebitda Margin | 31.6% | 22.1% | -0.1% | -42.3% | -44.6% | |
| Operating Profit Margin | 22.1% | -2.7% | -26.5% | -75.6% | -64.2% | |
| Pretax Profit Margin | 12.5% | 1.9% | -22.2% | -62.3% | -53.7% | |
| Continuous Operations Profit Margin | 48.9% | 1.6% | -22.3% | -62.1% | -52.4% | |
| Net Profit Margin | 48.9% | 1.6% | -22.3% | -62.1% | -52.4% | |
| Bottom Line Profit Margin | 48.9% | 1.6% | -22.3% | -62.1% | -52.4% | |
| Current Ratio | 12.728 | 54.185 | 65.698 | 74.343 | 53.015 | |
| Quick Ratio | 12.728 | 54.185 | 65.698 | 74.343 | 53.015 | |
| Solvency Ratio | 0.217 | 0.034 | -0.051 | -0.151 | -0.150 | |
| Cash Ratio | 10.726 | 7.521 | 8.108 | 9.612 | 11.722 | |
| Price To Earnings Ratio | 14.158 | 432.125 | -17.862 | -4.590 | -7.195 | |
| Price To Earnings Growth Ratio | 0.004 | -3.943 | 0.357 | -0.139 | -0.136 | |
| Forward Price To Earnings Growth Ratio | 0.004 | -3.943 | 0.357 | -0.139 | -0.136 | |
| Price To Earnings Diluted Ratio | 14.747 | 460.933 | -17.862 | -4.590 | -7.195 | |
| Price To Earnings Diluted Growth Ratio | 0.004 | -4.229 | 0.357 | -0.139 | -0.136 | |
| Price To Book Ratio | 4.984 | 7.273 | 3.383 | 1.787 | 1.943 | |
| Price To Sales Ratio | 6.921 | 6.923 | 3.979 | 2.851 | 3.771 | |
| Price To Free Cash Flow Ratio | 27.535 | 37.097 | 31.780 | -41.693 | -18.575 | |
| Price To Operating Cash Flow Ratio | 22.203 | 28.117 | 20.534 | 371.695 | -31.367 | |
| Debt To Assets Ratio | 0.622 | 0.704 | 0.695 | 0.668 | 0.594 | |
| Debt To Equity Ratio | 1.791 | 2.559 | 2.421 | 2.151 | 1.583 | |
| Debt To Capital Ratio | 0.642 | 0.719 | 0.708 | 0.683 | 0.613 | |
| Long Term Debt To Capital Ratio | 0.636 | 0.718 | 0.706 | 0.681 | 0.609 | |
| Financial Leverage Ratio | 2.879 | 3.635 | 3.485 | 3.218 | 2.664 | |
| Working Capital Turnover Ratio | 0.645 | 0.365 | 0.312 | 0.257 | 0.289 | |
| Operating Cash Flow Ratio | 5.427 | 4.408 | 3.602 | 0.131 | -1.515 | |
| Operating Cash Flow Sales Ratio | 0.312 | 0.246 | 0.194 | 0.008 | -0.120 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.806 | 0.758 | 0.646 | -8.915 | 1.689 | |
| Debt Service Coverage Ratio | 3.949 | 1.652 | -0.013 | -3.648 | -8.394 | |
| Interest Coverage Ratio | 1.920 | -0.205 | -1.789 | -6.562 | -12.426 | |
| Short Term Operating Cash Flow Coverage Ratio | 5.427 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.125 | 0.101 | 0.068 | 0.002 | -0.039 | |
| Capital Expenditure Coverage Ratio | 5.165 | 4.131 | 2.826 | 0.101 | -1.452 | |
| Dividend Paid And Capex Coverage Ratio | 5.165 | 4.131 | 2.826 | 0.101 | -1.452 | |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Enterprise Value Multiple | 27.785 | 40.479 | -6,656.628 | -13.530 | -13.241 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 69.1% | ▲1.6% | ▲8.6% |
| Ebit Margin | 24.0% | ▲8.9% | ▲37.5% |
| Ebitda Margin | 31.6% | ▲9.6% | ▲38.3% |
| Operating Profit Margin | 22.1% | ▲24.8% | ▲51.4% |
| Pretax Profit Margin | 12.5% | ▲10.6% | ▲37.2% |
| Continuous Operations Profit Margin | 48.9% | ▲47.2% | ▲66.1% |
| Net Profit Margin | 48.9% | ▲47.2% | ▲66.1% |
| Bottom Line Profit Margin | 48.9% | ▲47.2% | ▲66.1% |
| Current Ratio | 12.728 | ▼-41.457 | ▼-39.266 |
| Quick Ratio | 12.728 | ▼-41.457 | ▼-39.266 |
| Solvency Ratio | 0.217 | ▲0.182 | ▲0.237 |
| Cash Ratio | 10.726 | ▲3.206 | ▲1.189 |
| Price To Earnings Ratio | 14.158 | ▼-417.967 | ▼-69.169 |
| Price To Earnings Growth Ratio | 0.004 | ▲3.947 | ▲0.775 |
| Forward Price To Earnings Growth Ratio | 0.004 | ▲3.947 | ▲0.775 |
| Price To Earnings Diluted Ratio | 14.747 | ▼-446.187 | ▼-74.460 |
| Price To Earnings Diluted Growth Ratio | 0.004 | ▲4.234 | ▲0.833 |
| Price To Book Ratio | 4.984 | ▼-2.289 | ▲1.110 |
| Price To Sales Ratio | 6.921 | ▼-0.002 | ▲2.032 |
| Price To Free Cash Flow Ratio | 27.535 | ▼-9.562 | ▲20.306 |
| Price To Operating Cash Flow Ratio | 22.203 | ▼-5.913 | ▼-60.033 |
| Debt To Assets Ratio | 0.622 | ▼-0.082 | ▼-0.035 |
| Debt To Equity Ratio | 1.791 | ▼-0.768 | ▼-0.310 |
| Debt To Capital Ratio | 0.642 | ▼-0.077 | ▼-0.031 |
| Long Term Debt To Capital Ratio | 0.636 | ▼-0.082 | ▼-0.034 |
| Financial Leverage Ratio | 2.879 | ▼-0.755 | ▼-0.297 |
| Working Capital Turnover Ratio | 0.645 | ▲0.280 | ▲0.272 |
| Operating Cash Flow Ratio | 5.427 | ▲1.019 | ▲3.016 |
| Operating Cash Flow Sales Ratio | 0.312 | ▲0.066 | ▲0.184 |
| Free Cash Flow Operating Cash Flow Ratio | 0.806 | ▲0.049 | ▲1.810 |
| Debt Service Coverage Ratio | 3.949 | ▲2.297 | ▲5.239 |
| Interest Coverage Ratio | 1.920 | ▲2.125 | ▲5.732 |
| Short Term Operating Cash Flow Coverage Ratio | 5.427 | ▲5.427 | ▲4.342 |
| Operating Cash Flow Coverage Ratio | 0.125 | ▲0.024 | ▲0.074 |
| Capital Expenditure Coverage Ratio | 5.165 | ▲1.034 | ▲3.011 |
| Dividend Paid And Capex Coverage Ratio | 5.165 | ▲1.034 | ▲3.011 |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 |
| Enterprise Value Multiple | 27.785 | ▼-12.694 | ▲1350.812 |
Key metrics
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|---|
| Market cap | $27.33B | $22.32B | $9.24B | $4.53B | $5.09B | |
| Enterprise value | $34.72B | $28.82B | $14.84B | $9.09B | $7.98B | |
| EV / Sales | 8.79x | 8.94x | 6.39x | 5.72x | 5.91x | |
| EV / Op. cash flow | 28.21x | 36.30x | 32.98x | 745.97x | -49.18x | |
| EV / Free cash flow | 34.98x | 47.90x | 51.04x | -83.67x | -29.12x | |
| EV / EBITDA | 27.79x | 40.48x | -6656.63x | -13.53x | -13.24x | |
| Net debt / EBITDA | 5.91x | 9.13x | -2511.77x | -6.79x | -4.79x | |
| Current ratio | 12.73x | 54.19x | 65.70x | 74.34x | 53.02x | |
| Income quality | 0.64x | 15.21x | -0.87x | -0.01x | 0.23x | |
| Graham number | $46 | $6 | — | — | — | |
| Graham net-net | -$21 | -$2 | -$1 | -$1 | $1 | |
| Tax burden | 391.7% | 84.9% | 100.4% | 99.6% | 97.6% | |
| Interest burden | 52.1% | 12.6% | 301.0% | 122.7% | 110.6% | |
| Working capital | $2.66B | $9.58B | $8.08B | $6.81B | $5.57B | |
| Invested capital | $3.90B | $10.72B | $9.08B | $7.70B | $6.41B | |
| Return on assets | 12.2% | 0.5% | -5.4% | -12.1% | -10.1% | |
| Operating ROA | 6.5% | -0.8% | -7.0% | -15.9% | -14.6% | |
| Return on tangible assets | 12.7% | 0.5% | -5.8% | -13.0% | -11.1% | |
| Return on equity | 35.2% | 1.7% | -19.0% | -38.9% | -27.0% | |
| Return on invested capital | 15.6% | -0.7% | -6.6% | -14.8% | -12.3% | |
| Return on capital employed | 5.6% | -0.8% | -6.6% | -14.9% | -12.6% | |
| Earnings yield | 7.1% | 0.2% | -5.6% | -21.8% | -13.9% | |
| Free cash flow yield | 3.6% | 2.7% | 3.1% | -2.4% | -5.4% | |
| Capex / Op. cash flow | 19.4% | 24.2% | 35.4% | 991.5% | -68.9% | |
| Capex / Depreciation | 78.6% | 85.4% | 94.2% | 89.7% | 211.9% | |
| Capex / Sales | 6.0% | 6.0% | 6.9% | 7.6% | 8.3% | |
| SG&A / Sales | 23.3% | 30.4% | 47.4% | 77.1% | 82.3% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 7.7% | 10.0% | 14.8% | 28.4% | 29.0% | |
| Intangibles / Total assets | 3.5% | 4.9% | 5.7% | 7.1% | 8.9% | |
| Days sales outstanding | 26d | 799d | 901d | 1015d | 674d | |
| Days payables outstanding | 25d | 29d | 18d | 12d | 21d | |
| Operating cycle | 26d | 799d | 901d | 1015d | 674d | |
| Cash conversion cycle | 1d | 770d | 883d | 1003d | 653d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years