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Affirm Holdings, Inc.

AFRM • Financial - Credit Services
$72.35
▼ -1.95 (-2.62%)
Current price
EarningsLatest report: Jun 30, 2026
FAVORABLE PROFILEAttractiveConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Strong business quality with supportive growth and cash-flow evidence. Valuation still matters, but the historical ratio profile is favorable.
Market Cap
$25.18B
Growth
18.8%
Cash Flow
3/5
Trend
Mostly stable
Evidence
Stable or improving margins · 167.8%Positive free cash flow · 2.96Reasonable earnings multiple · 14.16Manageable debt level · 0.21Healthy liquidity · 34.11
Financial data as of: Jun 30, 2026, 12:00 AM UTCLast earnings update: Jun 30, 2026, 12:00 AM UTCLast profile update: Aug 28, 2026, 12:07 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$72.35
Change-2.62%
Shares Out348.10M
Market Cap$25.18B
Enterprise Value$31.09B
52W Range42.09 - 100.00
Beta3.62
P/E65.86
P/S6.34
P/B6.66
P/FCF32.00
EV/Sales7.83

Investment DNA

How strong this company looks for long-term investors

73
out of 100
Business Quality
Margins, moat, returns
90/100
Financial Strength
Debt, cash, stability
76/100
Growth Potential
Revenue and expansion
58/100
Price Attractiveness
Cheap or expensive today
48/100
Why this score▼
Stable or improving margins · 167.8%Positive free cash flow · 2.96Reasonable earnings multiple · 14.16Manageable debt level · 0.21Healthy liquidity · 34.11

Analyst view

Analyst sentiment and price target

AFRM
Analyst sentiment
Based on 36 analyst votes · 2026-09-05
86/100
Bullish
Bullish
26
Hold
10
Bearish
0
Price Target
2026-08-28
Low
$75.00
Mean
$93.00
Median
$98.50
High
$106.00

Company Overview

IPO: 1/13/2021
Industry: Financial - Credit Services
P/B i: 6.66
Debt / Equity i: 0.21
Operating Margin: 36.26%
Net Margin: 1.68%
ROE i: -
ROIC: -

Financial Health

Score15 / 20
Debt / Equity: 0.21
Current Ratio: 34.11
Quick Ratio: 34.11
Status: Good

Insider Transactions

Recent executive and insider activity

⚠ 1 high-volume insider sell detected
Watson Noel Bertram
Transaction: 08/12/2026
SELL
Change
-2,000
Price
$77.86
Filing
08/14/2026
Type
SELL
Linford Michael
Transaction: 08/01/2026
SELL
Change
-2,335
Price
Not reported
Filing
08/04/2026
Type
SELL
Linford Michael
Transaction: 08/01/2026
SELL
Change
-970
Price
$71.51
Filing
08/04/2026
Type
SELL