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Home CompaniesAffirm Holdings Inc

Affirm Holdings Inc

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
68.45 USD 0.34 ( 0.50%)
Last update at 2026-11-09T17:48:00Z
VOLUME
1921009
Market Cap
24324.70M
P/E
13.25

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
67.63
Low
69.80
High
52 Week Price Range
42.09
Low
92.56
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Affirm Holdings operates a point-of-sale buy-now-pay-later platform and related consumer financing services with merchant integrations. Long-term growth may be supported by rising e-commerce penetration, expansion of merchant relationships, product diversification and data-driven underwriting. Investors may find the company attractive because it appears positioned to capture digital payment volume and recurring fee and interest income as installment payments gain acceptance.
Material risks include credit losses and funding constraints, regulatory and consumer-lending oversight, intense competition from banks and fintech providers, and sensitivity to broader consumer spending trends, which investors should monitor.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
68.11
Dividend Yield
-
Revenue TTM
4261.08M
Revenue Per Share
12.71
Gross Profit TTM
2084.96M
Debt / Equity
1.79
ROE
45.13%
Net Debt
7390.20M
ROCE
6.08%
Diluted EPS TTM
5.44

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Income before tax 492.73M 61.46M -515.53M -989.25M -724.83M
Net income 1929.79M 52.19M -517.76M -985.35M -707.42M
Selling general administrative 578.31M 545.05M 525.29M 586.40M 577.49M
Selling and marketing expenses 342.53M 434.85M 576.40M 638.28M 532.34M
Gross profit 2728.96M 2176.84M 1477.89M 714.82M 772.84M
Reconciled depreciation 303.33M 225.08M 169.04M 134.63M 52.72M
Ebit 946.35M 486.92M -171.27M -770.36M -796.35M
Ebitda 1249.68M 711.99M -2.23M -635.73M -743.63M
Depreciation and amortization 303.33M 225.08M 169.04M 134.63M 52.72M
Non operating income net other - - - 211.62M 141.22M
Operating income 870.87M -87.27M -615.85M -1200.86M -796.35M
Other operating expenses 3078.34M 3311.68M 2938.85M 2569.96M 2145.65M
Interest expense 453.62M 425.45M 344.25M 183.01M 69.69M
Tax provision -1437.07M 9.28M 2.23M -3.90M -17.41M
Net interest income -454.02M -425.45M -344.25M -183.01M -69.69M
Non recurring - - - 35.87M -
Income tax expense -1437.07M 9.28M 2.23M -3.90M -17.41M
Total revenue 3949.22M 3224.41M 2323.00M 1587.98M 1349.29M
Total operating expenses 1858.09M 2264.11M 2093.74M 1696.80M 1569.19M
Cost of revenue 1220.25M 1047.57M 845.11M 873.16M 576.46M
Total other income expense net -378.15M 148.74M 100.32M 175.75M 71.52M
Net income from continuing ops 1929.79M 52.19M -517.76M -985.35M -707.42M
Net income applicable to common shares - - - -985.35M -707.42M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Total assets 15790.15M 11154.93M 9519.62M 8155.61M 6973.79M
Intangible assets 26.42M 12.94M 13.50M 34.43M 78.94M
Other current assets - 474.18M 350.79M 367.99M 368.31M
Total liab 10306.32M 8085.92M 6787.63M 5621.43M 4355.54M
Total stockholder equity 5483.82M 3069.01M 2731.99M 2534.18M 2618.26M
Other current liab -84.65M 97.28M 67.20M 117.47M 244.26M
Common stock 0.00M 0.00M 0.00M 0.00M 0.00M
Capital stock 0.00M 0.00M 0.00M 0.00M 0.00M
Retained earnings -1127.03M -3056.82M -3109.00M -2591.25M -1605.90M
Other liab - - - 77.62M 104.54M
Good will 524.45M 534.16M 533.44M 542.57M 539.53M
Other assets 10199.38M 0.00M -727.63M 347.32M 0.03M
Cash 2433.04M 1354.45M 1013.11M 892.03M 1255.17M
Total current liabilities 226.83M 180.10M 124.96M 146.07M 277.33M
Current deferred revenue - - -100.68M - -
Net debt 7390.20M 6498.85M 5601.24M 4558.98M 2823.04M
Short term debt 226.83M 199.76M 16.74M 1764.81M 672.58M
Short long term debt total 9823.25M 7853.31M 6614.35M 5451.01M 4078.21M
Other stockholder equity 6647.21M 6140.89M 5862.56M 5140.85M 4231.30M
Property plant equipment - - - 290.13M 171.48M
Total current assets 2887.03M 9758.62M 2514.23M 6867.81M 5639.07M
Long term investments 40.40M 40.28M 73.01M 1174.73M 1598.04M
Net tangible assets - - - 1957.18M 1999.78M
Short term investments 647.81M 871.42M 1131.63M 1174.65M 1595.37M
Net receivables 284.35M 7058.55M 353.03M 4397.59M 2492.89M
Long term debt 9993.61M 7821.36M 6574.85M 3579.78M 4078.21M
Inventory - - -334.32M - -72.67M
Accounts payable 84.65M 82.82M 41.02M 28.60M 33.07M
Accumulated other comprehensive income -36.37M -15.07M -21.57M -15.42M -7.15M
Common stock total equity - - - 0.00M 0.00M
Retained earnings total equity - - - -2591.25M -1605.90M
Non currrent assets other -429.68M 203.25M 1212.01M 296.77M 501.59M
Non current assets total 2703.74M 1396.31M 7733.02M 1287.80M 1334.72M
Capital lease obligations 29.19M 31.94M 39.49M 52.56M 65.71M
Long term debt total - - - 3579.78M 3334.25M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Investments 9.86M -1083.06M -1325.15M -1519.95M -2030.97M
Change to liabilities - - - -35.29M 46.51M
Total cashflows from investing activities -2553.43M -1083.06M -1325.15M -1653.07M -2011.34M
Net borrowings 2237.20M 2306.63M 1160.06M 1408.13M 2148.47M
Total cash from financing activities 2009.69M 751.42M 913.15M 1349.94M 1997.60M
Change to operating activities - - - -62.25M 77.48M
Net income 1929.79M 52.19M -517.76M -985.35M -707.42M
Change in cash 676.62M 461.02M 35.45M -290.86M -141.82M
Begin period cash flow 1756.42M 1295.40M 1259.94M 1550.81M 1692.63M
End period cash flow 2433.04M 1756.42M 1295.40M 1259.94M 1550.81M
Total cash from operating activities 1230.97M 793.91M 450.14M 12.18M -113.80M
Issuance of capital stock - - - 0.00M 0.00M
Depreciation -286.55M 225.08M 169.04M 134.63M 52.72M
Other cashflows from investing activities 24651.71M -1282.77M -1316.72M -12.35M -67.16M
Change to account receivables 132.60M -84.95M -167.76M -67.69M -62.70M
Sale purchase of stock 0.00M -250.00M -189.17M -0.11M -0.09M
Other cashflows from financing activities -325.22M -292.35M -183.35M 7964.45M 6622.42M
Change to netincome - - - 329.79M 406.04M
Capital expenditures 238.35M 192.19M 159.30M 120.78M 111.70M
Change receivables - - - -67.69M -62.70M
Cash flows other operating - - - 615.55M 86.50M
Cash and cash equivalents changes - - - -290.94M -136.41M
Change in working capital 88.14M -49.83M -62.35M -134.97M -9.66M
Stock based compensation 304.67M 321.43M 344.51M 451.71M 390.98M
Other non cash items 650.14M 245.04M 516.69M -82.98M 159.57M
Free cash flow 992.63M 601.72M 290.84M -108.59M -225.50M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
AFRM
Affirm Holdings Inc		 0.34
0.50%		 68.45 13.25 38.46 5.71 4.51 7.55 25.74
V
Visa Inc. Class A		 2.27
0.54%		 424.92 31.25 25.97 16.18 13.64 16.19 23.37
MA
Mastercard Inc		 7.12
1.09%		 659.82 31.59 24.88 14.31 89.68 14.71 23.34
AXP
American Express Company		 4.82
1.50%		 325.81 21.46 18.83 3.38 6.76 3.93 -
COF
Capital One Financial Corporation		 0.74
0.36%		 202.61 11.39 8.75 2.64 1.11 2.76 -

Profile*

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.

221 Main Street, San Francisco, CA, United States, 94105

415 960 1518

https://www.affirm.com

2358

Name Title Year Born
Mr. Max Roth Levchin Founder, CEO & Director 1976
Mr. Libor Michalek Pres & Director 1974
Mr. Michael A. Linford Chief Financial Officer 1983
Ms. Katherine Adkins Esq. Chief Legal Officer & Sec. 1962
Ms. Silvija Martincevic Consultant 1980
Ms. Katrina Holt Sr. VP of Operations NA
Mr. Ronald Clark VP of Investor Relations NA
Mr. Sandeep Bhandari Chief Risk & Strategy Officer 1973
Mr. Geoff Kott Chief Revenue Officer NA
Mr. Eduardo Vilar Sr. VP of Merchant Solutions NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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