Affirm Holdings, Inc. (AFRM) stock
Close on Nov 11, 2026Market cap $22.89BP/E 11.8Yield –
Affirm Holdings, Inc. grew revenue 32.7% to $4.59B over the twelve months to Sep 30, 2026. Operating income rose 395.7% to $540.37M, moving the operating margin from 3.2% to 11.8%. Free cash flow was $816.99M, up 6.2% from a year earlier. At the latest close the market valued the company at $22.89B, 11.8 times its earnings.
Key statistics
Valuation at the latest close; fundamentals over the trailing twelve months, balances at Sep 30, 2026
Valuation
- Market cap
- $22.89B
- P/E ratio
- 11.8
- Price to sales
- 4.99
- Price to book
- 3.98
- Dividend yield
- –
- Free cash flow yield
- 3.57%
Fundamentals
- Revenue
- $4.59B
- Net income
- $2.01B
- EPS, diluted
- $5.76
- Free cash flow
- $816.99M
- Book value per share
- $16.35
- Diluted shares
- 352M
Trading
- Next earnings
- Feb 4, 2027 (estimated, after the close)
- Previous close
- $65.95
- Open
- $66.86
- Day's range
- $65.81 – $69.20
- Volume
- 4,744,210
- Average volume (20 days)
- 4,210,105
- Index membership
- Russell 1000 (since Jun 2022), Russell 3000 (since Aug 2022)
- Beta (5 years)
- 3.33
- 52-week range
- $42.09 – $90.44
- RSI (14 days)
- 42.5
- Volatility (1 year)
- 58.1%
- Relative volume
- 1.12×
- WACC
- 17.4%
On 2 of our idea lists: Breakout quarter, Institutions accumulating
Index membership is inferred from the holdings of funds that track each index (IWB, IWV), as reported to the SEC for Jun 30, 2026. Join dates come from quarterly fund reports since 2019, so they are accurate to the quarter.
Market cap history
Month-end market cap since 2021, using shares outstanding reported at the time
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 11, 2026. The S&P 500 is measured by the SPY fund.
| Period | AFRM | S&P 500 | Difference | AFRM per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | -15.9% | -2.4% | −13.5 pts | ||
| 3 months | -11.6% | -1.2% | −10.4 pts | ||
| Year to date | -8.9% | +12.3% | −21.1 pts | ||
| 1 year | -9.7% | +12.4% | −22.2 pts | ||
| 3 years | +202.5% | +78.8% | +123.6 pts | +44.6% | +21.4% |
| 5 years | -55.3% | +75.2% | −130.5 pts | -14.9% | +11.9% |
Nine years at a glance
Fiscal years 2018 to 2026 and trailing twelve months, USD
Revenue
Operating income
Net income
EPS, diluted
Free cash flow
Press releases
Releases Affirm filed with the SEC as exhibits to Form 8-K or 6-K
- Results
- Results
- Results
- Results
- Results
- Results
About Affirm
Personal Credit Institutions
Affirm Holdings, Inc. operates a digital payment network that enables point-of-sale financing and commerce solutions. Its core offerings include short-term Pay-in-X plans, interest-free installment loans, and simple interest-bearing monthly payment options. The company provides a physical and virtual debit card, an integrated merchant checkout tool, an online marketplace, and high-yield savings accounts. Serving consumers across varied credit profiles, the company also caters to commercial partners ranging from small enterprises to large retailers across industries such as apparel, electronics, general merchandise, travel, and home goods.
Company profile, executives and historyAffirm stock: common questions
What is Affirm's stock price?
AFRM closed at $67.84 on Nov 11, 2026, up 2.87% on the day. Over the past 52 weeks it traded between $42.09 and $90.44.
What is Affirm's market cap?
Affirm was worth $22.89B at the close on Nov 11, 2026: the share price times the diluted shares outstanding.
What is AFRM's P/E ratio?
AFRM trades at 11.8 times earnings, based on diluted earnings per share of $5.76 over the twelve months to Sep 30, 2026.
How much revenue does Affirm make?
Affirm reported revenue of $4.59B for the twelve months to Sep 30, 2026, up 32.7% from a year earlier.
Does Affirm pay a dividend?
No. Affirm has not paid a cash dividend over the last twelve months.
When does Affirm report earnings next?
Affirm is expected to report Q2 FY2027 results on Feb 4, 2027, after the close. The date is estimated from its past reporting pattern until the company confirms it.
How has AFRM stock performed over the past year?
Including dividends, AFRM returned -9.7% over the past year, against +12.4% for the S&P 500.
How many AFRM shares are sold short?
18M shares were sold short at the latest FINRA report, 5.26% of the float, or 6.2 days of average trading volume.
Who are Affirm's competitors?
Companies most similar to Affirm by business, industry and size include BFH, OMF, ATLC, ENVA, HAPN.
See a number that looks wrong?