Affirm Holdings, Inc. (AFRM) Stock: Price, Forecast & Analyst Target
Affirm Holdings, Inc. (AFRM) — MoonshotScore 64/100 (Fair band), calculated Oct 4, 2026. Price $70.77 (+0.48%), as of the Oct 2, 2026 trading session; market cap $23.7B. Expected results Nov 5, 2026.
Educational signal · not a buy or sell recommendation · How to read this
Market value / cash and short-term investments: 9.11× (market value Oct 2, 2026; cash Jun 30, 2026) · expected results Nov 5, 2026
Affirm Holdings, Inc. · AFRM · NASDAQ · Financial Services · Financial - Credit Services
Research dated 2026-09-12: Affirm connects consumers, merchants and originating banks through purchase-specific installment financing, with commerce flowing through its merchant and virtual card networks. The case rests on whether expanding transaction activity can keep lifting operating profit and cash generation without making the funding burden harder to manage.
Price as of Oct 2, 2026
Key Statistics
MoonshotScore v2 · Affirm Holdings (AFRM)
FairWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
Elite quality and elite growth, but a fragile balance sheet and an expensive valuation. Business Quality: Elite; Financial Safety: Fragile; Valuation: Rich; Growth Durability: Compounding; Momentum: Slipping.
Price relative to book value is the main valuation drag relative to sector peers.
- quarterly revenue $1.09B (Q4 FY2026, quarter ended Jun 2026)
- EPS beat 8 of 8
- Altman Z 1.94 · Piotroski F 5
Holding back: balance-sheet strain, a rich price
Helping: business quality, durable growth
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 63 | Fair | |
| 65 | Fair | |
| 63 | Fair | |
| 63 | Fair | |
| 64 | Fair | |
| 64 | Fair |
The score was 64 in the stored Oct 3, 2026 snapshot and remains 64 in the current publication computed Oct 4, 2026 (0); the largest pillar moves were Momentum -2; the pillar moves offset under the sector-relative weighting, so the headline score is unchanged.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value |
|---|---|
| Latest provided price | $70.77 |
| Change on the day | +0.48% |
| 52-week range | $42.09–$90.44 |
| Market capitalisation | $23.7B |
| Price / earnings (trailing) | 12.39 |
| Shares traded on the day | 2.52M |
| Beta (volatility vs the S&P 500) | 3.61 |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
The provider's estimated date can change.
What to watch nextCouncil Score · weighted blend of 2 available disciplines
Council score for Affirm Holdings (AFRM): Bullish Lean
59/100 · BSome lenses disagree with the MoonshotScore. Compare their readings below; each uses a different method.
5-Factor Breakdown
Legends Council
6 lenses, 6 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 4, 2026
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 9, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
One of these lenses reads this company less favourably than the MoonshotScore does: Klarman-style lens. Each lens is a separate scoring function over its own inputs, so a disagreement is a difference of method rather than a correction — the page's answer stays the MoonshotScore above.
On Sep 9, 2026, the Munger lens read the price at that time as fairly valued against its own estimate of value.
Readings on this page are from Oct 5, 2026, except a card that shows its own read date.
Watch the AFRM film — every key number, told as a short cinematic story
~2 min · open the film
What is Affirm Holdings (AFRM), and what does it report?
Short answer · as of
Affirm is not simply a lender collecting interest on a standalone loan book. Its product sits at the point of sale: merchants integrate financing tools, consumers spread purchases over time, bank partners originate credit, and the mobile application provides another route into the network.
Research dated 2026-09-12.
Affirm is not simply a lender collecting interest on a standalone loan book. Its product sits at the point of sale: merchants integrate financing tools, consumers spread purchases over time, bank partners originate credit, and the mobile application provides another route into the network.
Reported revenue captures activity across the Merchant Network and Virtual Card Network, with the merchant channel contributing substantially more. Gross profit and operating profit reveal the economics of running that platform, while net income can also reflect items outside current operations and therefore deserves separate treatment.
What do the latest results show for Affirm Holdings (AFRM)?
Short answer · as of
The most recent reported quarter, Q4 FY2026, carried revenue of $1.09B.
Research dated 2026-09-12.
Revenue, gross profit and operating profit all advanced in the latest quarterly record. The longer annual series also shows sustained revenue expansion and a transition from heavy losses to profitability, while operating cash flow remained positive across the reported quarterly span.
Headline net income accelerated far more sharply than operating profit and rose above revenue, making it a poor standalone measure of recurring operating performance. Revenue and earnings have repeatedly surpassed prevailing estimates, but the more durable evidence is the concurrent improvement in operating profit and cash generation.
Where is operating spending going?
Revenue alongside research and development, selling, general and administrative expenses, and the FMP standardized operating result.
- Latest quarter · revenue
- $1.09B Jun 30, 2026
- Latest quarter · SG&A
- $239.25M Jun 30, 2026
- Latest quarter · FMP standardized operating result
- $265.28M Jun 30, 2026
| Period end | Revenue | R&D | SG&A | FMP standardized operating result |
|---|---|---|---|---|
| Jun 30, 2026 | $1.09B | Not available | $239.25M | $265.28M |
| Mar 31, 2026 | $1.04B | Not available | $218.16M | $202.19M |
| Dec 31, 2025 | $1.12B | Not available | $240.00M | $117.63M |
| Sep 30, 2025 | $933.34M | Not available | $223.43M | $63.66M |
USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $1.17B Aug 27, 2026
- Latest report · revenue estimate
- $1.11B Aug 27, 2026
- Latest report · revenue vs estimate
- Above estimate Aug 27, 2026
- Latest report · EPS vs estimate
- Above estimate Aug 27, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Aug 27, 2026 | $1.17B | $1.11B | $4.6200 | $0.3473 |
| May 7, 2026 | $1.04B | $995.27M | $0.3000 | $0.1704 |
| Feb 5, 2026 | $1.12B | $1.06B | $0.3700 | $0.2800 |
| Nov 6, 2025 | $933.34M | $883.16M | $0.2300 | $0.1121 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q4 FY2026 | $1.09B | $1.62B | $4.62 (diluted) |
| Q3 FY2026 | $1.04B | $103M | $0.30 (diluted) |
| Q2 FY2026 | $1.12B | $130M | $0.37 (diluted) |
| Q1 FY2026 | $933M | $81M | $0.23 (diluted) |
What are the financial strengths and risks for Affirm Holdings (AFRM)?
Short answer
Cash and short-term investments were $2.60B at the Jun 30, 2026 balance-sheet date. Operating cash flow was $296.37M for the quarter ended Jun 30, 2026, meaning operations generated cash. These figures do not establish a cash runway.
Research dated 2026-09-12.
Operating cash flow has stayed positive throughout the reported quarterly series, and capital spending has remained well below cash generated from operations. Cash and investments provide meaningful liquidity, even after cash and short-term investments retreated from the immediately preceding peak.
Debt materially exceeds cash and investments, so funding capacity remains central to the model. A contraction in financed purchase activity would pressure the merchant and virtual card channels that support revenue, while weaker cash conversion would make the debt load more consequential; the available distress and quality screens do not offer uniformly strong reassurance.
How much cash does the business generate or use?
Quarterly operating cash flow shows cash generated or used by operations.
- Latest quarter · operating cash flow
- $296.37M Jun 30, 2026
- Previous quarter · operating cash flow
- $386.76M Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | $296.37M | −$66.87M |
| Mar 31, 2026 | $386.76M | −$61.40M |
| Dec 31, 2025 | $173.74M | −$55.70M |
| Sep 30, 2025 | $374.57M | −$54.36M |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway.
What should you watch next at Affirm Holdings (AFRM)?
Short answer · as of
The next earnings report is expected on Nov 5, 2026.
Research dated 2026-09-12.
The scheduled earnings release should be read through revenue, operating profit and operating cash flow rather than the headline earnings figure alone. Watch whether revenue continues toward the growth embedded in analyst expectations, whether operating profitability preserves its recent momentum, and whether cash rebuilds after its latest decline while debt remains elevated.
How does Affirm Holdings compare with its peers?
Short answer
Affirm Holdings's score ranks 9th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-12.
Affirm differs from a conventional revolving card lender because financing begins with a specific purchase and is distributed through merchant integrations, a mobile application and bank partnerships. The Virtual Card Network broadens that architecture, but the larger Merchant Network still makes merchant adoption and checkout activity especially important to the business.
| Company | Price | Market value | Score |
|---|---|---|---|
| $73.75 Oct 2, 2026 | $6.61B | 94 5-pillar Oct 4, 2026 | |
| $71.77 Oct 2, 2026 | $23.4B | 86 5-pillar Oct 4, 2026 | |
| $52.80 Oct 2, 2026 | $45.2B | 86 5-pillar Oct 4, 2026 | |
| $144.03 Oct 2, 2026 | $16.6B | 85 5-pillar Oct 4, 2026 | |
| $29.79 Oct 2, 2026 | $17.3B | 79 5-pillar Oct 4, 2026 | |
| $210.36 Oct 2, 2026 | $9.12B | 79 5-pillar Oct 4, 2026 | |
| $41.12 Oct 2, 2026 | $23.7B | 73 5-pillar Oct 4, 2026 | |
| $77.10 Oct 2, 2026 | $31.6B | 73 5-pillar Oct 4, 2026 | |
| Affirm Holdings (AFRM) — this page | $70.77 | $23.7B | 64 |
| $37.12 Oct 2, 2026 | $41.2B | 59 5-pillar Oct 4, 2026 | |
| $17.80 Oct 2, 2026 | $13.8B | 53 5-pillar Oct 4, 2026 | |
| $37.91 Oct 2, 2026 | $11.5B | 47 5-pillar Oct 4, 2026 | |
| $15.26 Oct 2, 2026 | $13.5B | 34 5-pillar Oct 4, 2026 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $75.00 – $115.00
- Consensus target
- $96.42
- Median target
- $97.00
Consensus record · Captured .
Measured against a quoted price of $70.77 (as of Oct 2, 2026).
Insider activity
Form 4 records via FMP · Of the newest 100 records, those within the last 180 days, newest dated Sep 16, 2026
- Transactions
- 90
- Identified insiders
- 11
- Purchases
- 0
- Sales
- 14
- Other transactions
- 76
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 77.7% Period end Jun 30, 2026
- Previous quarter · ownership
- 71.3% Prior to period end Jun 30, 2026
- Reporting holders
- 725 Period end Jun 30, 2026
- Previous quarter · holders
- 656 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Capital Research Global Investors | 26,000,572 |
| Capital World Investors | 23,115,136 |
| Morgan Stanley | 23,000,269 |
| Blackrock, INC. | 19,613,537 |
| Fmr LLC | 17,581,656 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about Affirm Holdings (AFRM)?
AFRM Financial Services Stock FAQ
Research dated 2026-09-12; the answers below are from that research, and the full attribution is under Sources. The last 2 questions are answered from this page's own dated data, not from the research.
How does Affirm make money through its Merchant Network and Virtual Card Network?
Affirm reports revenue from merchant-connected activity and from its virtual card channel, with the Merchant Network carrying substantially greater weight. Their relative movement indicates whether growth is being led by embedded merchant distribution or the broader card-based route.
Why is Affirm’s headline net income much larger than its operating profit?
The latest headline result contains far more than current operating earnings. Operating profit and operating cash flow therefore provide cleaner checks on whether the underlying platform is becoming more productive.
What makes Affirm different from a conventional credit card lender?
Affirm centers financing on a specific purchase at checkout, using merchant integrations and originating-bank partnerships to let consumers pay over time. Its commerce network and mobile application are distribution tools, not merely wrappers around a general-purpose revolving account.
What should Affirm investors test after its repeated earnings beats?
The useful test is whether revenue surprises continue to arrive with stronger operating profit and cash generation. Another outsized gap between net income and operating profit would keep headline earnings from serving as a clean measure of recurring performance.
What is the AFRM stock price today?
The last price recorded on this page for Affirm Holdings, Inc. (AFRM) is $70.77, as of the Oct 2, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the AFRM price target?
The analyst consensus price target for Affirm Holdings, Inc. (AFRM) is $96.42 (range $75.00 to $115.00, median $97.00), per FMP data captured Oct 4, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.6-sol) on 2026-09-12. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (79 figures)
The 79 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 1 fact from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
id.hq | SEC filing business address | 221 Main Street, Floor 6, SAN Francisco, CA, 94105 | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "221 Main Street, San Francisco, CA, 94105, US". |
FMP — 70 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.next | Next earnings date | Nov 5, 2026 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
px.last | Latest provided price | $70.77 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-04T20:04:51.755Z. | |
px.change | Change on the day | +0.48% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $23.7B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-02. FMP quote timestamp: 2026-10-02T20:00:01.000Z. Captured from FMP at 2026-10-04T20:04:50.678Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | +$0.34 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q4 FY2026 | $1.09B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.range52 | 52-week range | $42.09–$90.44 | FMP | Financial Modeling Prep (FMP) quote | |
px.pe | Price / earnings (trailing) | 12.39 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 2.52M | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 3.61 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Max Rafailovych Levchin | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 2,358 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2022 through FY2026: FY2022 revenue $1.35B, net result −$707.42M; FY2023 revenue $1.59B, net result −$985.34M; FY2024 revenue $2.32B, net result −$517.76M; FY2025 revenue $3.22B, net result $52.19M; FY2026 revenue $3.95B, net result $1.93B | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.rev_mix | Reported revenue segments | Interest income $2.05B · Servicing income $173.12M · Card network revenue $293.99M · Gain on sales of loans $596.55M · Merchant network revenue $1.15B | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K | |
fin.gross_margin | Gross margin (trailing twelve months) | 68.1% | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $1.09B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.sga_k | SG&A — period end 2026-06-30 | $239.25M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.operating_result_k | FMP standardized operating result — period end 2026-06-30 | $265.28M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $1.04B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.sga_k | SG&A — period end 2026-03-31 | $218.16M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.operating_result_k | FMP standardized operating result — period end 2026-03-31 | $202.19M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $1.12B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.sga_k | SG&A — period end 2025-12-31 | $240.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.operating_result_k | FMP standardized operating result — period end 2025-12-31 | $117.63M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $933.34M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.sga_k | SG&A — period end 2025-09-30 | $223.43M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.operating_result_k | FMP standardized operating result — period end 2025-09-30 | $63.66M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-08-27.revenue_actual | Revenue · reported — report date 2026-08-27 | $1.17B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-08-27.revenue_estimated | Revenue · estimate — report date 2026-08-27 | $1.11B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-08-27.eps_actual | EPS · reported — report date 2026-08-27 | $4.6200 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-08-27.eps_estimated | EPS · estimate — report date 2026-08-27 | $0.3473 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-07.revenue_actual | Revenue · reported — report date 2026-05-07 | $1.04B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-07.revenue_estimated | Revenue · estimate — report date 2026-05-07 | $995.27M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-07.eps_actual | EPS · reported — report date 2026-05-07 | $0.3000 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-07.eps_estimated | EPS · estimate — report date 2026-05-07 | $0.1704 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-05.revenue_actual | Revenue · reported — report date 2026-02-05 | $1.12B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-05.revenue_estimated | Revenue · estimate — report date 2026-02-05 | $1.06B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-05.eps_actual | EPS · reported — report date 2026-02-05 | $0.3700 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-05.eps_estimated | EPS · estimate — report date 2026-02-05 | $0.2800 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-06.revenue_actual | Revenue · reported — report date 2025-11-06 | $933.34M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-06.revenue_estimated | Revenue · estimate — report date 2025-11-06 | $883.16M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-06.eps_actual | EPS · reported — report date 2025-11-06 | $0.2300 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-06.eps_estimated | EPS · estimate — report date 2025-11-06 | $0.1121 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q4 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.cash_investments | Cash and short-term investments | $2.60B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. | |
fin.opcf_latest | Latest-quarter operating cash flow | $296.37M | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Period end: 2026-06-30. Negative operating cash flow means cash used. This figure is not a cash-runway estimate. | |
fin.long_term_investments | Long-term investments (classification unverified) | $429.68M | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.total_debt | Total debt | $9.82B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.price_to_book | Price to book value | 4.38× | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $296.37M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | $386.76M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-06-30.capex_m | Capital expenditure (reported) — period end 2026-06-30 | −$66.87M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.capex_m | Capital expenditure (reported) — period end 2026-03-31 | −$61.40M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $173.74M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.capex_m | Capital expenditure (reported) — period end 2025-12-31 | −$55.70M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $374.57M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.capex_m | Capital expenditure (reported) — period end 2025-09-30 | −$54.36M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $75.00 – $115.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $96.42 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $97.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 90 transactions · 0 purchases, 14 sales, 76 other transactions · 11 identified insiders · of the newest 100 records, those within the last 180 days, newest dated Sep 16, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.ownership_pct | Institutional ownership | 77.7% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.ownership_pct_previous_quarter | Previous quarter · ownership | 71.3% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 725 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 656 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Capital Research Global Investors — shares in provider snapshot | 26,000,572 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Capital World Investors — shares in provider snapshot | 23,115,136 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | Morgan Stanley — shares in provider snapshot | 23,000,269 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Blackrock, INC. — shares in provider snapshot | 19,613,537 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | Fmr LLC — shares in provider snapshot | 17,581,656 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 2 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 8 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-02 · Expired observation | |
fin.scores | Distress and quality screens | Altman Z 1.94 · Piotroski F 5 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-04 |
COMPUTED — 3 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
fin.mcap_to_cash | Market value per dollar of cash and short-term investments | 9.11× | — | COMPUTED | Computed on this page from the figures above — The market capitalisation printed on this page divided by cash and short-term investments of $2.60B at Jun 30, 2026. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. Market cap record date: 2026-10-02. Balance-sheet reference date: 2026-06-30. The inputs do not establish a single common source date for this ratio. |
earn.history.depth.2026-08-27.revenue_actual.comparison | Latest report · revenue vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($1.17B) with the recorded estimate ($1.11B) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-08-27.eps_actual.comparison | Latest report · EPS vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($4.6200) with the recorded estimate ($0.3473) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 3 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 64 of 100 · Fair · pillars 99 / 3 / 24 / 98 / 36 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.valuation_driver | Recorded valuation score driver | Price relative to book value is the main valuation drag relative to sector peers. | OURS | Stock Expert AI MoonshotScore v2 engine · stored factor contributions | |
ours.moonshot_change | MoonshotScore movement | 64 (stored snapshot Oct 3, 2026) → 64 (current publication computed Oct 4, 2026) (0) | OURS | Stock Expert AI current score publication and immutable score snapshots |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.sga_k,fin.q_table.depth.2026-06-30.operating_result_k,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.sga_k,fin.q_table.depth.2026-03-31.operating_result_k,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.sga_k,fin.q_table.depth.2025-12-31.operating_result_k,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.sga_k,fin.q_table.depth.2025-09-30.operating_result_k. - Earnings-history note. Source series as of 2026-08-27. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-08-27.revenue_actual,earn.history.depth.2026-08-27.revenue_estimated,earn.history.depth.2026-08-27.revenue_actual.comparison,earn.history.depth.2026-08-27.eps_actual.comparison,earn.history.depth.2026-08-27.eps_actual,earn.history.depth.2026-08-27.eps_estimated,earn.history.depth.2026-05-07.revenue_actual,earn.history.depth.2026-05-07.revenue_estimated,earn.history.depth.2026-05-07.eps_actual,earn.history.depth.2026-05-07.eps_estimated,earn.history.depth.2026-02-05.revenue_actual,earn.history.depth.2026-02-05.revenue_estimated,earn.history.depth.2026-02-05.eps_actual,earn.history.depth.2026-02-05.eps_estimated,earn.history.depth.2025-11-06.revenue_actual,earn.history.depth.2025-11-06.revenue_estimated,earn.history.depth.2025-11-06.eps_actual,earn.history.depth.2025-11-06.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2026-06-30.capex_m,fin.opcf.depth.2026-03-31.capex_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.capex_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m,fin.opcf.depth.2025-09-30.capex_m.
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Sources used for research written 2026-09-12
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | Affirm Holdings, Inc. provides a digital and mobile-first commerce platform that operates across the United States and Canada. This platform offers consumers a point-of-sale financing solution, delivers various tools for merchants, and includes a dedicated mobile application for users. Leveraging its payment network and partnerships with originating banks, the company enables customers to spread the cost of their purchases over time, with payment terms ranging from a single month up to forty-eight months. By June 30, 2021, approximately 29,000 merchants had integrated Affirm's services, representing a diverse array of businesses from small enterprises and large corporations to direct-to-consumer brands and traditional physical stores. These businesses span numerous industries, including sporting goods, home furnishings, travel, apparel, accessories, consumer electronics, and jewelry. Affirm was founded in 2012 and is based in San Francisco, California. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) company profile |
| Revenue by segment | Merchant Network: $1.15B; Virtual Card Network: $293.99M | 2026-06-30 | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Cash, investments and debt | Total debt: $9.82B; Liquidity basis: cash and short-term investments; Total liabilities: $10.31B; Cash and short-term investments: $2.60B; Cash and investments: $3.03B; Long-term investments: $429.68M; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-08-27 | FMP | Financial Modeling Prep (FMP) earnings |
| Most recent periodic reports | 2026-08-27 | OFFICIAL | SEC EDGAR filer submissions | |
| Cash and investment components | Total basis: cash short and long-term investments; Total: $3.03B; Cash and short-term investments: $2.60B; Long-term investments: $429.70M; Long-term investments classification: unclassified Sums the balance sheet's cash and short-term investments with its long-term investments.; The long-term investment field does not establish marketability; the sum is not a measure of available liquidity.; These provider fields do not establish investment access restrictions or explain differences from third-party cash figures. | 2026-06-30 | COMPUTED | Computed from the balance sheet |
| Cash and short-term investments over time (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's quarterly balance sheets |
| Trailing twelve-month ratio set | Quick ratio: 12.73; Current ratio: 12.73; Debt to equity: 1.79; Net margin: 46.1%; Gross margin: 68.1%; Operating margin: 15.5%; Return on assets: 12.2%; Return on equity: 47.9% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Distress and quality screens | Altman Z-score: 1.93; Piotroski F-score: 5 Altman Z below 1.8 is the conventional distress zone. The screen is built for manufacturers and industrials; for banks, insurers and property companies it is not a meaningful reading. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) financial scores |
| Next earnings report | Date: 2026-11-05; EPS estimate: $0.34 per share; Revenue estimate: $1.21B The date is our provider's estimate until the company confirms it. | 2026-09-12 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
| 2026-09-12 | FMP | Financial Modeling Prep (FMP) analyst estimates |
Data provided for informational purposes only.
ETFs that hold AFRM
Funds in our ETF coverage that list AFRM among the top 10 holdings on their fund page, largest weight first. Each weight is the fund's reported holding weight as of the date in its row.
| ETF | Weight | Holdings as of |
|---|---|---|
| ERShares Private-Public Crossover ETF (XOVR) | 3.66% |