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StockVS

NASDAQ · Credit Services · USD

Affirm Holdings, Inc. (AFRM) Stock Analysis

Affirm Holdings, Inc. (AFRM) is a Credit Services stock listed on NASDAQ and quoted in US Dollar.

Last Updated: October 21, 2026

AFRM

$73.51

−$0.34 (−0.46%)

Oct 21, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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AFRM Key Statistics

As of Oct 21, 2026
Trading
Open
$74.96
Previous Close
$73.85
Day's Range
73.35–75.67
52-Week Range
42.10–90.44
Volume
3.58M
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
3.82
Valuation
Market Cap
$24.80B
P/E Ratio
13.29
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
14.66
PEG RatioThe P/E ratio divided by the expected earnings growth rate. It puts a high P/E in the context of how fast profits are growing.
8.39
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
5.82
EPS (ttm)Profit attributable to each share over the last twelve months.
5.53
Financials (FY)
Revenue (FY)
$3.22B+38.80%
Net Income (FY)
$52.19M
Profit marginThe share of revenue left as profit after all costs and taxes.
45.29%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
296.88M
1-Year Return
−1.32%
Dividend and dates
Earnings Date
November 5, 2026
Avg Volume
4.27M

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, AFRM closed at $73.51, −1.32% over 1 year.

Affirm Holdings, Inc. (AFRM) has a market capitalization of $24.80B.

In fiscal 2025, AFRM reported revenue of $3.22B.

AFRM Stock Return by Calendar Year

Affirm Holdings, Inc. (AFRM) return since Jan 2021: what $10,000 became

1 year
$10,000 $9,868
−1.32%
5 years
$10,000 $4,732
−52.68%
Since Jan 2021
$10,000 $7,628
−23.72%

If you had invested $10,000 in Affirm Holdings, Inc. (AFRM) at the close on January 13, 2021, the earliest close on record here, it would have been worth $7,628 at the close on October 21, 2026: −23.72% in total, −4.58% a year, over a partial period shorter than 10 years. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)−1.24%
2025+22.22%
2024+23.93%
2023+408.17%
2022−90.38%
2021+4.35%

As of October 21, 2026.

AFRM Revenue and Earnings by Fiscal Year

FY ends June
Fiscal yearRevenueNet incomeNet margin
2025$3.22B$52.19M1.6%
2024$2.32B−$517.76M−22.3%
2023$1.59B−$985.35M−62.1%
2022$1.35B−$707.42M−52.4%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$3.22B$2.18B$337.99M$52.19M1.6%
2024$2.32B$1.48B−$264.83M−$517.76M−22.3%
2023$1.59B$714.82M−$981.98M−$985.35M−62.1%
2022$1.35B$772.84M−$796.35M−$707.42M−52.4%

Annual figures as reported, in the company's reporting currency. As of June 30, 2025.

AFRM Valuation vs Credit Services Median

Median of 56 stocks
MetricAFRMCredit Services medianvs median
P/E13.2910.9122% above
P/S ratio5.821.503.9x the median
Profit margin45.29%9.89%35.4 pts above

Medians across 56 Credit Services stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

All 20 articles ↓

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

Affirm Holdings, Inc. (AFRM) carries a market capitalisation of $24.80B. 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 $73.51, dated October 21, 2026. That is −$0.34 (−0.46%) against the previous close. Over the past 52 weeks the price has ranged from $42.10 to $90.44. The latest close sits 74.63% 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 35.4 percentage points above the Credit Services median of 9.89%. 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 13.29 times earnings. That is 21.81% above the Credit Services median of 10.91. On forward earnings the ratio is 14.66. The PEG ratio, which sets the P/E against expected earnings growth, reads 8.39. The price-to-sales ratio is 5.82. On price-to-sales that is 3.9 times the Credit Services median of 1.5. The medians here are taken across 56 Credit Services companies that report the metric.

Beta against the wider market is reported at 3.82. Annualized volatility over the trailing 5 years is 91.67%. The trailing one-year total return is −1.32%. Across 5 years the annualized return works out at −13.90%.

Growth & Income

The record shows no dividend for AFRM.

So far in 2026 the total return is −1.24%. 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.

Peer Comparison

Affirm Holdings, Inc. (AFRM) operates in the Credit Services industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
Affirm Holdings, Inc. AFRM $24.80B 13.3
Visa Inc. V $765.68B 34.7
Mastercard Incorporated MA $545.42B 34.3
American Express Company AXP $214.98B 19.3

The Credit Services industry average P/E ratio is 10.9x. Affirm Holdings, Inc. trades at a P/E of 13.3.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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About Affirm Holdings, Inc.

Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. Its platform offers pay-over-time solutions at checkout for both consumers and merchants. The company's commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time. It has active merchants covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies with an omni-channel presence. The company's merchants represent a range of industries, including electronics; equipment and auto; fashion and beauty; general merchandise; home and lifestyle services; sporting goods and outdoors; and travel and ticketing. Affirm Holdings, Inc. was founded in 2012 and is headquartered in San Francisco, California.

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