Affirm Holdings, Inc. (AFRM) stock
AFRMNasdaqPersonal Credit InstitutionsFiscal year ends June 30
Financials through Q1 FY2027, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 7/3093% above fair value
$65.84−2.00 (-2.95%)
Close on Nov 12, 2026Market cap $22.22BP/E 11.4Yield –
Affirm statistics
88 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Feb 4, 2027 (estimated, after the close)
- Last ex-dividend date
- No dividends
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 12, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 4.27
- 1.16
- P/OCF Ratio
- 20.89
- 5.94
Enterprise valuationIndustry
- EV / Sales
- 4.39
- 2.54
- EV / EBIT
- 37.28
- 11.21
- EV / FCF
- 24.66
- 9.11
Share statisticsIndustry
- Shares Change (YoY)
- -2.67%
- 13.6%
- Float
- 333M
- 39M
- Shares Held by Insiders
- 1.36%
- 18.5%
- Shares Held by Institutions
- 77.1%
- 27.7%
Short sellingIndustry
- Short Interest
- 18M
- –
- Short Interest Change
- 0.90%
- -0.08%
- Short % of Float
- 5.26%
- 6.67%
- Short % of Shares Outstanding
- 5.19%
- 5.45%
- Days to Cover
- 6.16
- 3.79
Stock price statisticsIndustry
- 52-Week High
- $90.44
- –
- 52-Week Low
- $42.09
- –
- 20-Day Moving Average
- $71.35
- –
- 50-Day Moving Average
- $71.97
- –
- 200-Day Moving Average
- $66.47
- –
- Average True Range (14)
- $3.90
- –
- Price Change (1 Week)
- -5.48%
- -3.65%
- Price Change (1 Month)
- -6.62%
- -13.5%
- Price Change (3 Months)
- -16.0%
- -16.0%
- Price Change (6 Months)
- -2.56%
- -31.3%
- Price Change (YTD)
- -11.5%
- -35.5%
- Price Change (1 Year)
- -12.4%
- -49.9%
- Price Change (3 Years)
- 187.8%
- -32.3%
- Price Change (5 Years)
- -55.8%
- -81.5%
- Average Volume (10 Days)
- 5M
- –
- Average Volume (20 Days)
- 4M
- –
- Average Volume (90 Days)
- 4M
- –
- Relative Volume
- 0.68
- 0.71
- Relative Strength Index (14)
- 39.4
- 40.0
- Volatility (1 Year)
- 58.2%
- 94.5%
- Beta (5 Years)
- 3.33
- 1.24
MarginsIndustry
- Pretax Margin
- 13.4%
- -6.87%
- EBITDA Margin
- 18.8%
- -64.6%
- FCF Margin
- 17.8%
- -29.5%
Returns on capitalIndustry
- Return on Equity (ROE)
- 44.5%
- -21.1%
- Return on Assets (ROA)
- 14.4%
- -8.40%
- Return on Invested Capital (ROIC)
- 19.5%
- -27.8%
Financial positionIndustry
- Interest Coverage
- 1.13
- -7.18
GrowthIndustry
- Revenue Growth (YoY)
- 32.7%
- 15.4%
- Net Income Growth (YoY)
- 763.7%
- -22.9%
- EPS Growth (YoY)
- 800.0%
- 2.80%
- FCF Growth (YoY)
- 6.21%
- 16.1%
- Revenue Growth (3Y CAGR)
- 39.0%
- 5.94%
- Revenue Growth (5Y CAGR)
- 37.4%
- 10.7%
EfficiencyIndustry
- Asset Turnover
- 0.33
- 0.16
- Revenue Per Employee
- $1.95M
- $675.54K
- Profits Per Employee
- $853.80K
- -$170.28K
- Employee Count
- 2,358
- 47
- WACC
- 17.4%
- 10.9%
Income statement (TTM)Industry
- Pretax Income
- $614.76M
- -$2.80M
Balance sheetIndustry
- Net Cash (Debt)
- $2.07B
- $7.28M
- Net Cash Per Share
- $6.14
- $0.18
- Equity (Book Value)
- $5.75B
- $224.68M
- Book Value Per Share
- $17.04
- $4.04
- Tangible Book Value
- $5.20B
- $156.69M
Cash flow (TTM)Industry
- Capital Expenditures
- -$246.49M
- -$4.70M
- FCF Per Share
- $2.42
- -$0.20
Dividends and yieldsIndustry
- Earnings Yield
- 9.06%
- -12.4%
- FCF Yield
- 3.68%
- -15.6%
Taxes and interestIndustry
- Interest Expense
- $478.36M
- $4.11M
- Income Tax
- -$1.40B
- $213.00K
- Effective Tax Rate
- -227.5%
- 21.2%
Scores and fair valueIndustry
- Graham Number
- $47.00
- $27.68
- Graham Upside
- -28.6%
- 21.7%
- Altman Z-Score
- 1.55
- 0.34
- Piotroski F-Score
- 5
- 4
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 12, 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 | -16.3% | -2.7% | −13.6 pts | ||
| 3 months | -10.3% | -1.7% | −8.6 pts | ||
| Year to date | -11.5% | +11.9% | −23.4 pts | ||
| 1 year | -16.6% | +12.0% | −28.6 pts | ||
| 3 years | +193.5% | +78.2% | +115.4 pts | +43.2% | +21.2% |
| 5 years | -55.8% | +73.2% | −129.0 pts | -15.1% | +11.6% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
18M AFRM shares were sold short on Oct 30, 2026, up 0.9% from the previous report, or 5.26% of the shares available to trade. At recent volumes it would take 6.2 days to buy them back. Over the last 20 sessions, 47.1% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 17,506,211 | +0.9% | 2,843,638 | 6.2 |
| Oct 15, 2026 | 17,349,593 | -3.0% | 4,230,649 | 4.1 |
| Sep 30, 2026 | 17,882,143 | +9.8% | 4,046,318 | 4.4 |
| Sep 15, 2026 | 16,282,063 | +3.9% | 4,556,942 | 3.6 |
| Aug 31, 2026 | 15,666,710 | +8.3% | 6,433,003 | 2.4 |
| Aug 14, 2026 | 14,461,742 | -6.0% | 2,688,575 | 5.4 |
| Jul 31, 2026 | 15,391,541 | -8.0% | 3,521,123 | 4.4 |
| Jul 15, 2026 | 16,725,898 | -13.5% | 3,649,010 | 4.6 |
| Jun 30, 2026 | 19,326,088 | +4.5% | 4,833,347 | 4.0 |
| Jun 15, 2026 | 18,485,674 | -2.2% | 4,453,230 | 4.2 |
| May 29, 2026 | 18,900,130 | +0.0% | 5,045,127 | 3.8 |
| May 15, 2026 | 18,895,880 | -1.1% | 5,793,508 | 3.3 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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