Affirm Holdings, Inc. Class A Common Stock (AFRM) Stock Price

AFRMStock

$77.94−3.28%52W

Market Cap$26.10B

P/E502.62x

PEG Ratio0.76

Div yield—

Beta3.87

AFRM Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)37.46%

Price vs S&P 500 (4W)3.14%

PEG Ratio0.76

VGM Score57.68

P/E Ratio (Annual)502.62x

P/CF (Annual)33.04x

Book Value / Share (Quarterly)$11.30

P/TBV (Annual)7.30x

Indicated Dividend (Annual)$0.00

Revenue Growth (3Y)33.69%

Cash Flow / Share (Quarterly)$2.35

Price vs S&P 500 (YTD)-8.67%

Gross Margin (TTM)92.55%

Net Profit Margin (TTM)9.63%

EPS (TTM)$1.07

10-Day Avg Trading Volume2.82M

EPS Excl Extra (TTM)$1.07

Revenue Growth (5Y)44.63%

EPS (Annual)$0.15

ROI (Annual)0.49%

Gross Margin (Annual)92.49%

Net Profit Margin (5Y Avg)-37.16%

Cash / Share (Quarterly)$5.15

P/E Basic Excl Extra (TTM)68.59x

Revenue Growth QoQ (YoY)32.64%

P/E Normalized (Annual)502.62x

ROA (Last FY)0.47%

Revenue Growth TTM (YoY)32.07%

EBITD / Share (TTM)$1.68

ROE (5Y Avg)-20.05%

Operating Margin (TTM)8.25%

Cash Flow / Share (Annual)$1.85

P/B Ratio6.93x

P/B Ratio (Quarterly)4.03x

Net Income / Employee (Annual)$23,700

EV / Revenue (TTM)8.40x

Net Interest Coverage (TTM)-3.76x

ROA (TTM)3.14%

EPS Growth QoQ (YoY)3549.38%

EV / EBITDA (TTM)54.93x

EPS Incl Extra (Annual)$0.15

Current Ratio (Annual)4.20x

Quick Ratio (Quarterly)4.63x

3-Month Avg Trading Volume4.32M

52-Week Price Return-3.28%

EV / Free Cash Flow (Annual)55.47x

P/E Incl Extra (TTM)68.59x

Revenue / Employee (TTM)$1,800,300

Tangible BV / Share (Quarterly)$11.22

P/S Ratio (Annual)8.13x

Asset Turnover (Annual)0.29x

52-Week High$100.00

Operating Margin (5Y Avg)-42.10%

EPS Excl Extra (Annual)$0.15

CapEx CAGR (5Y)55.68%

26-Week Price Return48.70%

Quick Ratio (Annual)4.20x

13-Week Price Return14.44%

Total Debt / Equity (Annual)2.48x

Current Ratio (Quarterly)4.68x

Enterprise Value$33.38B

Revenue / Share Growth (5Y)35.12%

Asset Turnover (TTM)0.33x

Revenue / Employee (Annual)$1,461,700

Pretax Margin (Annual)1.91%

Cash / Share (Annual)$4.17

3-Month Return Std Dev56.46%

Gross Margin (5Y Avg)86.48%

Net Income / Employee (TTM)$173,400

ROE (Last FY)1.70%

Net Interest Coverage (Annual)-5.62x

EPS Basic Excl Extra (Annual)$0.15

P/FCF (TTM)33.33x

Receivables Turnover (TTM)17.61x

EV / Free Cash Flow (TTM)42.42x

Total Debt / Equity (Quarterly)2.35x

EPS Incl Extra (TTM)$1.07

Receivables Turnover (Annual)8.28x

ROI (TTM)3.26%

P/S Ratio (TTM)6.60x

Pretax Margin (5Y Avg)-37.45%

Revenue / Share (Annual)$9.46

Tangible BV / Share (Annual)$9.40

Forward P/E40.57x

Price vs S&P 500 (52W)-21.59%

P/E Ratio (TTM)68.59x

Year-to-Date Return3.29%

5-Day Price Return4.51%

EPS Normalized (Annual)$0.15

ROA (5Y Avg)-7.25%

Net Profit Margin (Annual)1.62%

Month-to-Date Return7.51%

Cash Flow / Share (TTM)$-2.52

EBITD / Share (Annual)$0.63

Operating Margin (Annual)-0.29%

LT Debt / Equity (Annual)2.48x

P/CF (TTM)25.98x

ROI (5Y Avg)-7.66%

P/E Excl Extra (TTM)68.59x

LT Debt / Equity (Quarterly)2.35x

EPS Basic Excl Extra (TTM)$1.07

P/TBV (Quarterly)4.06x

P/B Ratio (Annual)7.27x

Pretax Margin (TTM)9.95%

Book Value / Share (Annual)$9.44

Price vs S&P 500 (13W)11.64%

Beta3.87x

P/FCF (Annual)43.59x

Revenue / Share (TTM)$11.41

ROE (TTM)11.17%

52-Week Low$42.09

vGradeD

gGradeB

mGradeB

vgmGradeC

AFRM Earnings Surprise History

Q2 250.53est. 0.43

Q3 250.61est. 0.62

Q4 250.72est. 0.84

Q1 260.62est. 0.73

AFRM Analyst Recommendations

May 2026

Jun 2026

Jul 2026

Aug 2026

3.97

3.95

3.98

Industry Peers — Personal Credit Institutions(15)

Symbol	Value Score	Growth Score	Momentum Score	Price
AFRMAffirm Holdings, Inc. Class A Common Stock	D	B	B	$77.94
OMFOneMain Holdings, Inc.	B	C	B	$63.23
CACCCredit Acceptance Corp	C	C	B	$604.26
ENVAEnova International, Inc.	C	C	A	$243.39
SLMSLM Corporation	C	C	B	$26.47
NNINelnet, Inc. Class A	C	C	C	$128.76
BFHBread Financial Holdings, Inc.	C	C	B	$107.63
HAPNHappen, Inc. Common Stock	D	C	B	$18.26
LCLendingClub Corporation	D	C	B	$18.25
ATLCAtlanticus Holdings Corporation	C	B	B	$93.95
PICSPicS N.V. Class A Common Shares	C	B	C	$10.85
WRLDWorld Acceptance Corp	C	D	B	$193.45
LPROOpen Lending Corporation Common Stock	D	C	B	$3.14
RMREGIONAL MANAGEMENT CORP	B	C	C	$33.34
ATLCLAtlanticus Holdings Corporation 6.125% Senior Notes due 2026	C	B	B	$25.16
ATLCZAtlanticus Holdings Corporation 9.25% Senior Notes due 2029	C	B	B	$25.38

About Affirm Holdings, Inc. Class A Common Stock

Affirm is a leading buy-now, pay-later platform with $36 billion in annual transaction volume (FY2025), primarily generating revenue from interest-bearing installment loans which represent over 70% of transaction volume. The company complements its core lending business with merchant-subsidized zero-interest options. While the U.S. represents over 95% of revenue, Affirm has expanded to Canada and the United Kingdom.