Affirm Holdings, Inc. (AFRM) Stock Analysis

Company Overview

Affirm Holdings, Inc. (AFRM) carries a market capitalisation of $24.41B. The company sits in the Financial Services sector, in the Credit Services industry. The company reports 2,358 employees.

The most recent close on file for AFRM is $72.35, dated September 4, 2026. That is −$1.95 (−2.62%) against the previous close. Over the past 52 weeks the price has ranged from $42.10 to $92.56. The latest close sits 71.87% above that 52-week low.

Financial Health

The most recent full year on file, fiscal 2025, shows revenue of $3.22B. That is +38.80% against the prior fiscal year, when revenue was $2.32B. Net income for the same year was $52.19M. The reported profit margin is 45.29%. That is 35.3 percentage points above the Credit Services median of 9.99%. Earnings per share on a trailing basis come to 5.53.

Across the 4 fiscal years on file, revenue moves from $1.35B in 2022 to $3.22B in 2025. Of those 4 years, 1 report positive net income.

Valuation Assessment

On trailing earnings, the shares are priced at 13.08 times earnings. That is 4.89% above the Credit Services median of 12.47. On forward earnings the ratio is 14.74. The PEG ratio, which sets the P/E against expected earnings growth, reads 0.73. The price-to-sales ratio is 5.73. On price-to-sales that is 3.5 times the Credit Services median of 1.64. The medians here are taken across 60 Credit Services companies that report the metric.

Beta against the wider market is reported at 3.61. Annualized volatility over the trailing 5 years is 93.9%. The trailing one-year price return is −19.31%. Across 5 years the annualized return works out at −4.91%.

Growth & Income

The record shows no dividend for AFRM.

So far in 2026 the price is −2.79%. The strongest complete calendar year on file is 2023 at +408.17%; the weakest is 2022 at −90.38%. Of the 5 complete calendar years on file, 4 finished higher.