olivLaw · US equity research
Affirm Holdings, Inc. AFRM
Personal Credit Institutions · SIC 6141 · Vertical: Personal Credit Institutions (SIC 6141)
Affirm Holdings builds a payment network in which consumers pay in installments without compounding interest or late fees, while merchants convert more sales at checkout. The company facilitated purchases of 50.2 billion USD in GMV in fiscal 2026, a volume that makes its installment model a subject of interest for consumer markets.
At the close of 04 Nov 2026, Affirm Holdings, Inc. (AFRM) stock was 75.59 USD (+5.03% on the day), with market capitalisation 4.5 bn USD, P/E 13.7 on diluted EPS of 5.53 USD over the last 12 months, beta 2.52, 52-week range 42.53–85.78 USD. Latest reported quarter (Q4 2026): revenue of 1.2 bn USD (+33.0% YoY), net income of 1.6 bn USD (+2,234.7% YoY), diluted EPS 4.62 USD.
Data as of · AI analysis dated · Source: SEC filings and closing prices, computed by olivLaw.
Price history
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Technical reading
- RSI (14)
- 54.7
- neutral
- Bollinger (20, 2)
- 68.52 – 79.72
- in the upper half of the band · %B 0.63 · band width 15.1%
- SMA 50 / 200
- 72.87 / 66.54
- uptrend (price > SMA50 > SMA200)
- MACD (12, 26, 9)
- 0.10 / 0.00
- MACD above signal
Indicators describe past prices; on their own they do not predict direction. On our history the RSI ≤ 40 filter added no return (see the signals methodology).
Performance
| Company | S&P 500 | vs S&P 500 | Vertical median | |
|---|---|---|---|---|
| 1 month | +1.1% | −2.0% | +3.1 pp | — |
| 3 months | −3.7% | −2.2% | −1.5 pp | — |
| 6 months | +15.3% | +4.3% | +11.0 pp | — |
| Year to date | +1.6% | +10.6% | −9.0 pp | — |
| 1 year | +5.9% | +10.5% | −4.6 pp | +6.1% |
| 3 years | +237.0% | +73.7% | +163.3 pp | +121.7% |
| 5 years | −54.0% | +61.7% | −115.7 pp | — |
Price returns, dividends excluded.
Quarterly results
Latest quarter: Q4 2026 · 30 Jun 2026
Quarterly margins
Quarterly statements · USD
| Fiscal year | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | Q4 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 698.5 m | 866.4 m | 783.1 m | 876.4 m | 933.3 m | 1.1 bn | 1.0 bn | 1.2 bn |
| Operating income | -132.6 m | -4.3 m | -8.4 m | 58.1 m | 63.7 m | 117.6 m | 88.4 m | 147.3 m |
| Depreciation & amortisation | 46.7 m | 54.9 m ≈ | 59.5 m ≈ | 64.0 m | 65.3 m | 75.6 m ≈ | 75.1 m ≈ | 87.3 m |
| Interest expense | 104.1 m | 107.8 m | 107.6 m | 105.9 m | 110.0 m | 111.7 m | 113.8 m | 118.5 m |
| Pre-tax income | -98.3 m | 82.9 m | 5.3 m | 71.6 m | 83.0 m | 133.2 m | 107.4 m | 169.1 m |
| Income tax | 1.9 m | 2.5 m | 2.5 m | 2.3 m | 2.3 m | 3.7 m | 4.5 m | -1.4 bn |
| Net income | -100.2 m | 80.4 m | 2.8 m | 69.2 m | 80.7 m | 129.6 m | 102.9 m | 1.6 bn |
| Diluted EPS | -0.31 | 0.23 | 0.01 | 0.17 ≈ | 0.23 | 0.37 | 0.30 | 4.62 ≈ |
| Operating cash flow | 196.9 m | 312.0 m ≈ | 210.4 m ≈ | 74.6 m | 374.6 m | 173.7 m ≈ | 386.5 m ≈ | 296.2 m |
| Capex | 44.2 m | 43.9 m ≈ | 53.0 m ≈ | 51.1 m | 54.4 m | 55.7 m ≈ | 61.4 m ≈ | 66.9 m |
| Share repurchases | — | — | 0 ≈ | 0 | — | — | 0 ≈ | 0 |
≈ derived quarter (cumulative difference / share-days average)
E/P over time
E/P = trailing-12-month diluted EPS / price at quarter end. E/P is the inverse of P/E and stays defined when earnings are negative.
Today's P/E sits at the 0 percentile of its own 5-quarter history (min 14.8, median 95.0, max 670.0; quarters with earnings only).
Fiscal years
| Fiscal year | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 264.4 m | 509.5 m | 870.5 m | 1.3 bn | 1.6 bn | 2.3 bn | 3.2 bn | 4.3 bn |
| Revenue YoY | unavailable | +92.7% | +70.8% | +55.0% | +17.7% | +46.3% | +38.8% | +32.2% |
| Net income | -120.5 m | -112.6 m | -441.0 m | -707.4 m | -985.3 m | -517.8 m | 52.2 m | 1.9 bn |
| Net income YoY | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | +3,597.9% |
| Diluted EPS | -2.84 | -2.63 | -2.94 | -2.51 | -3.34 | -1.67 | 0.15 | 5.53 |
| Diluted EPS YoY | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | +3,586.7% |
| net % | -45.6% | -22.1% | -50.7% | -52.4% | -62.1% | -22.3% | 1.6% | 45.3% |
| Free cash flow | -107.1 m | -92.3 m | -213.4 m | -248.5 m | -108.6 m | 290.8 m | 601.7 m | 992.6 m |
Reported results vs expectations
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Balance sheet & financial health
Fiscal year 2026 · 30 Jun 2026
- Cash
- 1.6 bn USD
- Financial debt
- 9.8 bn USD
- Net debt
- 8.2 bn USD
- Equity
- 5.5 bn USD
- Total assets
- 15.8 bn USD
- Debt / equity
- 1.79x
- Current ratio
- unavailable
- ROE
- 45.1%
- ROA
- 14.3%
- FCF margin
- 23.3%
Financial statements (source on every figure)
Revenue and net income (USD)
Margins
Income statement · USD
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Revenue | 870.5 m | 1.3 bn | 1.6 bn | 2.3 bn | 3.2 bn | 4.3 bn | SEC (XBRL)· 27 Aug 2026verified |
| Operating income | -383.7 m | -866.0 m | -1.2 bn | -615.8 m | -87.3 m | 417.0 m | SEC (XBRL)· 27 Aug 2026verified |
| Depreciation & amortisation | 20.0 m | 52.7 m | 134.6 m | 169.0 m | 225.1 m | 303.3 m | SEC (XBRL)· 27 Aug 2026verified |
| EBITDA | -363.7 m ≈ | -813.3 m ≈ | -1.1 bn ≈ | -446.8 m ≈ | 137.8 m ≈ | 720.3 m ≈ | SEC (XBRL)· 27 Aug 2026derived |
| Interest expense | 52.7 m | 69.7 m | 183.0 m | 344.3 m | 425.5 m | 454.0 m | SEC (XBRL)· 27 Aug 2026verified |
| Pre-tax income | -443.4 m | -724.8 m | -989.2 m | -515.5 m | 61.5 m | 492.7 m | SEC (XBRL)· 27 Aug 2026verified |
| Income tax | -2.3 m | -17.4 m | -3.9 m | 2.2 m | 9.3 m | -1.4 bn | SEC (XBRL)· 27 Aug 2026verified |
| Net income | -441.0 m | -707.4 m | -985.3 m | -517.8 m | 52.2 m | 1.9 bn | SEC (XBRL)· 27 Aug 2026verified |
| Diluted EPS | -2.94 | -2.51 | -3.34 | -1.67 | 0.15 | 5.53 | SEC (XBRL)· 27 Aug 2026verified |
| Weighted average diluted shares | 159.2 m | 281.7 m | 295.3 m | 309.9 m | 341.0 m | 348.8 m | SEC (XBRL)· 27 Aug 2026verified |
≈ computed by olivLaw from the reported lines of the same year: Operating income + Depreciation & amortisation.
Balance sheet · USD
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Cash | 1.5 bn | 1.3 bn | 892.0 m | 1.0 bn | 1.4 bn | 1.6 bn | SEC (XBRL)· 27 Aug 2026verified |
| Property, plant & equipment, net | 62.5 m | 171.5 m | 290.1 m | 427.7 m | 572.6 m | 685.8 m | SEC (XBRL)· 27 Aug 2026verified |
| Goodwill | 516.5 m | 539.5 m | 542.6 m | 533.4 m | 534.2 m | 524.5 m | SEC (XBRL)· 27 Aug 2026verified |
| Intangibles (excl. goodwill) | 67.9 m | 78.9 m | 34.4 m | 13.5 m | 12.9 m | 26.4 m | SEC (XBRL)· 27 Aug 2026verified |
| Total assets | 4.9 bn | 7.0 bn | 8.2 bn | 9.5 bn | 11.2 bn | 15.8 bn | SEC (XBRL)· 27 Aug 2026verified |
| Long-term debt | — | — | — | 1.8 bn | 7.6 bn | 9.8 bn | SEC (XBRL)· 27 Aug 2026verified |
| Total liabilities | 2.3 bn | 4.4 bn | 5.6 bn | 6.8 bn | 8.1 bn | 10.3 bn | SEC (XBRL)· 27 Aug 2026verified |
| Equity | 2.6 bn † | 2.6 bn † | 2.5 bn † | 2.7 bn † | 3.1 bn † | 5.5 bn † | SEC (XBRL)· 27 Aug 2026verified |
† equity attributable to the parent's shareholders: in these years the issuer no longer reports the total including non-controlling interests.
Cash flow · USD
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Operating cash flow | -193.1 m | -162.2 m | 12.2 m | 450.1 m | 793.9 m | 1.2 bn | SEC (XBRL)· 27 Aug 2026verified |
| Capex | 20.3 m | 86.3 m | 120.8 m | 159.3 m | 192.2 m | 238.3 m | SEC (XBRL)· 27 Aug 2026verified |
| Free cash flow | -213.4 m ≈ | -248.5 m ≈ | -108.6 m ≈ | 290.8 m ≈ | 601.7 m ≈ | 992.6 m ≈ | SEC (XBRL)· 27 Aug 2026derived |
| Investing cash flow | -1.0 bn | -2.0 bn | -1.7 bn | -1.3 bn | -1.1 bn | -2.6 bn | SEC (XBRL)· 27 Aug 2026verified |
| Financing cash flow | 2.6 bn | 2.0 bn | 1.3 bn | 913.1 m | 751.4 m | 2.0 bn | SEC (XBRL)· 27 Aug 2026verified |
| Share repurchases | 800.0 k | 86.0 k | 109.0 k | 0 | 250.0 m | 0 | SEC (XBRL)· 27 Aug 2026verified |
≈ computed by olivLaw from the reported lines of the same year: Operating cash flow − Capex.
Computed indicators
Growth
Profitability
Returns
Balance sheet
Liquidity
Cash
Efficiency
Market and valuation
1 indicators that do not apply to the sector.
Valuation
olivLaw classification
Score: 35 / 100
A scoring methodology on indicators and valuation, not investment advice.
score < 40
Closing price
04 Nov 2026Source: olivLaw, closing series
Market cap: 4.5 bn USD
Key indicators
Coverage and freshness
Score by group
- Balance sheet0
- Valuation42
- Quality39
- Growth100
- Returns0
Estimated value range
The combined range = the median of the valid methods' low, central and high values; it is not a probability interval and does not cover every result. Envelope of all methods: 50.10 – 1,168.84 USD.
Valuation assumptions are editorial choices, not measured; beta is not measured.
Method ranges (USD per share)
— — Mid · ▏ Price
Valuation methods
- DCF (discounted cash flow)456.47 – 1,168.84 (Mid 675.13)WACC 6.4% · starting FCFF 1.4 bn USD · terminal value share of EV 84%The WACC × g sensitivity gives the method's bounds; these are not probabilities.Reverse DCF: no growth between −30% and +40% justifies the price
- Peers: EV/EBITDAunavailable · not enough peers
- Peers: P/E50.10 – 85.80 (Mid 70.01)8 companies used · median multiple 12.7x · quartiles 9.1x – 15.5xATLC, BFH, CACC, ENVA, HAPN, NNI, RM, WRLD
- Dividend discount (DDM)unavailable · the company pays no dividend: a dividend model needs an explicit initiation assumption
Classification (SIC) comparables group by industry code, not by economic activity; the direct group is an editorial selection by activity. Members' multiples are on their own trailing twelve months, at their own latest close.
Assumptions (illustrative, editorial)
- Risk-free rate
- 4.3%
- Equity risk premium
- 5.0%
- Beta (default)
- 1.00
- Cost of equity
- 9.3%
- Terminal growth
- 2.5%
Factor scorecard
Unattractive profile · Score 35/100
| Factor | Value | Score | Weight used |
|---|---|---|---|
| ROIC · Quality | 3.0% | 8 (on a fixed band) | 13% |
| Net margin · Quality | 45.3% | 100 (vs peers) | 8% |
| FCF conversion · Quality | 51.4% | 31 (on a fixed band) | 8% |
| Revenue CAGR 3Y · Growth | 39.0% | 100 (on a fixed band) | 10% |
| EPS CAGR 3Y · Growth | unavailable | unavailable | — |
| Net debt / EBITDA · Balance sheet | 11.3x | 0 (on a fixed band) | 13% |
| Interest coverage · Balance sheet | 0.9x | 0 (on a fixed band) | 8% |
| Current ratio · Balance sheet | unavailable | unavailable | — |
| P/E (TTM) · Valuation | 13.7x | 38 (vs peers) | 13% |
| EV/EBITDA · Valuation | 17.6x | 0 (on a fixed band) | 13% |
| FCF yield · Valuation | 22.2% | 100 (on a fixed band) | 10% |
| Shareholder yield (distributions) · Returns | 0.0% | 0 (on a fixed band) | 8% |
| Payout ratio (FCF) · Returns | unavailable | unavailable | — |
Factors without a value were dropped; the remaining weights were renormalised.
Score groups
- Balance sheet0/100 · 2/3 factors with a value
- Growth· partial100/100 · 1/2 factors with a value
- Quality39/100 · 3/3 factors with a value
- Returns· partial0/100 · 1/2 factors with a value
- Valuation42/100 · 3/3 factors with a value
A «partial» group is computed from under half of its weight or from one factor: it is not a full assessment of the group.
Memo
Affirm Holdings, Inc. (AFRM). Latest full fiscal year: 2026; data up to 2026-06-30.
Figures computed from the financial statements: revenue 4.3 bn USD in 2026; YoY growth 32.2%; net margin 45.3%; ROE 45.1%; net debt/EBITDA 11.3x.
The estimated value range is 253.28–627.32 USD per share (median of 2 methods, agreement: low); assumptions are illustrative. Against the central value of 372.57 USD, the price of 75.59 USD leaves a potential of 392.9% (value / price − 1) and a margin of safety of 79.7% (1 − price / value). The range is the median of the methods' low, central and high values, not a probability interval.
olivLaw score 35/100, methodological classification: unattractive profile (score, margin of safety and method agreement together; not a judgement of the right price). Groups assessed only in part: growth, returns. Not investment advice.
Text generated deterministically from the figures shown; no language model. Not investment advice.
What supports the thesis
- Net margin: 45.3%
- Revenue CAGR 3Y: 39.0%
- FCF yield: 22.2%
- The price is below the estimated value range
What contradicts it
- ROIC: 3.0%
- Net debt / EBITDA: 11.3x
- Interest coverage: 0.9x
- EV/EBITDA: 17.6x
- Shareholder yield (distributions): 0.0%
- The valuation methods diverge
Not assessed (insufficient data or a ratio without meaning): EPS CAGR 3Y, Current ratio, Payout ratio (FCF).
Versus the vertical median
Personal Credit Institutions (SIC 6141) · same industry (4-digit SIC) · compared with 8 companies
Multiples and returns vs the median
Price rebased to 100 (monthly, 5 years)
Companies in the vertical
| Market cap | P/E | ROE | Net margin | Revenue YoY | 1A / 3A | |
|---|---|---|---|---|---|---|
| CACCCredit Acceptance Corp | 5.1 bn | 16.3 | 22.7% | 14.4% | +7.2% | +8% / +9% |
| AFRMAffirm Holdings, Inc. | 4.5 bn | 13.7 | 45.1% | 45.3% | +32.2% | +6% / +237% |
| ENVAEnova International, Inc. | 4.4 bn | 12.5 | 26.8% | 10.5% | +18.6% | +38% / +340% |
| BFHBread Financial Holdings, Inc. | 4.0 bn | 8.3 | 15.9% | — | −19.0% | +55% / +273% |
| HAPNHappen, Inc. | 1.9 bn | 9.3 | 13.8% | — | −58.5% | −8% / +165% |
| ATLCAtlanticus Holdings Corp | 1.5 bn | 12.8 | 24.3% | 5.8% | +50.1% | +69% / +223% |
| WRLDWorld Acceptance Corp | 751.2 m | 19.4 | 9.9% | 6.6% | +3.7% | +4% / +45% |
| RMRegional Management Corp. | 353.4 m | 8.0 | 12.6% | 7.0% | +9.7% | +4% / +79% |
| NNINelnet, Inc. | — | 15.3 | 8.2% | — | unavailable | −1% / +52% |
1- and 3-year price returns: for AFRM from daily closes (the same as the performance table), for the other companies from month-end closes.
olivLaw engine forecast
The world engine ran after the company's latest material disclosure. Probabilities are of TOUCHING a level within the horizon (not closing there) and sit next to the random walk (p_rw), the no-information benchmark.
The engine has no published run for this company yet.
Valuation scenarios (editable assumptions)
Illustrative scenarios
Illustrative: not forecasts and without probabilities. Each case is one coherent set of assumptions, computed on today's figures.
Estimated price (USD)
| Estimated price | Bear | Base | Bull |
|---|---|---|---|
| 1 years | 290.98 Total return 285% · Per year 285% | 512.08 Total return 577% · Per year 577% | 768.12 Total return 916% · Per year 916% |
| 3 years | 345.15 Total return 357% · Per year 66% | 677.23 Total return 796% · Per year 108% | 1,106.09 Total return 1,363% · Per year 145% |
| 5 years | 409.40 Total return 442% · Per year 40% | 895.63 Total return 1,085% · Per year 64% | 1,592.77 Total return 2,007% · Per year 84% |
- Exit P/E± 169.31
- Net margin± 118.51
- Annual revenue growth± 88.39
- Annual dilution± 9.96
AI analysis
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
In brief
Affirm Holdings builds a payment network in which consumers pay in installments without compounding interest or late fees, while merchants convert more sales at checkout. The company facilitated purchases of 50.2 billion USD in GMV in fiscal 2026 1, a volume that makes its installment model a subject of interest for consumer markets.
SWOT
Strengths
Weaknesses
Opportunities
Risks
- Dependence on merchantshigh
Revenue depends on merchant relationships, and many partners can terminate agreements on short notice 1.
- Dependence on bank partnershigh
If agreements with bank partners end and cannot be replaced, the business could be significantly affected 1.
- Loan performancehigh
If loans do not perform as expected, the company could incur losses on loans it purchases or holds 1.
- Fundingmedium
If funding sources are not renewed or become more expensive, growth capacity could decline 1.
- Regulation and litigationmedium
The business is subject to extensive supervision, and violations could lead to fines and reputational harm 1.
Investment thesis
What would need to be true (bull case)
What to watch
- Trend in GMV and transactions per active consumerQ1 2027
- Credit losses and portfolio qualityQ1 2027
- Funding conditions and loan sales to investors2027
Products, market & competition
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
The business
Affirm was founded in 2012 and describes its activity as a next-generation payment network built on transparency: the company says it has charged no late fees on missed payments 1. For merchants the service works as a checkout conversion tool, and for consumers as a way to pay over time. In fiscal 2026 the company facilitated 50.2 billion USD in GMV 1, and as of June 30, 2026 it had approximately 571 thousand active merchants 1.
Revenue comes mainly from fees merchants pay on each converted transaction, which are larger on 0% APR financing, and from interest income on simple-interest loans 1. Affirm buys most loans from its originating bank partners, Celtic Bank and Lead Bank, and then sells them to investors or keeps them on balance sheet 1. The company reported approximately 7.0 transactions per active consumer as of June 30, 2026 1, a figure that supports its repeat-use strategy.
The company describes a growth cycle in which each added consumer and merchant makes the network more valuable to others, and costs fall as a share of GMV 1. Repeat use is central: in fiscal 2026, 96% of transactions were driven by repeat consumers 1. If this pattern holds, it could support longer-term margins, but it depends on consumer behaviour and funding conditions.
Segments
Interest-bearing loans
Interest-bearing monthly installment loans make up most of the volume facilitated, at 70% of GMV in fiscal 2026 1. Interest revenue depends on transaction risk, chosen term and the arrangement with the merchant 1.
Market context
The installment payment market competes with traditional bank cards, digital wallets and merchants' own pay-over-time options 1. The company shows GMV growing year over year and loans held for investment increasing 36% in fiscal 2026 1. Growth is fuelled by larger purchases and expansion into new merchant categories, which could continue if consumer demand stays solid.
The market also depends on access to funding: the company relies on term and revolving securitizations, warehouse facilities and loan sales to third-party investors 1. If capital market conditions deteriorate, the cost of funding and the ability to sell loans could directly affect results.
Trends
- Demand for pay over timetailwind
Consumers increasingly use pay-over-time in online and in-store purchases, which Affirm sees as an opportunity for expansion 1.
- Repeat usetailwind
A large share of transactions come from returning customers, which lowers acquisition cost and can improve credit decisions 1.
- Cost of fundingheadwind
Capital market conditions and interest rate levels affect the cost of borrowing and investor demand for loans 1.
- Evolving regulationmixed
Federal, state and local regulatory changes could alter the bank-partner model and lending conditions 1.
Competitive position
Competition includes traditional bank cards, especially from large issuers, as well as digital wallets and other installment payment providers 1. Many of these competitors are much larger than Affirm, with broader customer bases and cheaper funding, which can give them advantages in pricing and distribution 1.
Merchants increasingly offer proprietary pay-over-time options, which may be shown alongside Affirm at checkout 1. The company says entry barriers are low, so new competitors could emerge quickly 1.
- SynchronySYF
Card issuing bank named as a principal competitor to traditional payment methods
- PayPalPYPL
Digital wallet and pay-in-installments provider competing directly at checkout
- BlockXYZ
Payments company with pay-over-time offerings named among competitors
- Klarna
Installment payment provider named as a direct competitor in the pay-over-time category
Links, dependencies and risks
Who the company is tied to, from its own SEC filings (customers, suppliers, production, partners, competitors, countries, regulation), from the 5 %+ holders' statements (13D/13G) and from what other companies say about it. Click a node for its evidence; on a listed company the graph moves to it.
Loading the links…
News & filings
In the press
- Japan, Micronesia affirm cooperation on free and open Indo-PacificNikkei Asia · 23 Oct 2026 · EN
- Affirm, Sam’s Club Strike Exclusive Buy Now, Pay Later DealBloomberg Markets · 22 Oct 2026 · EN
- Upstart, Affirm, and SoFi All Lend to the Same Borrowers. Only One of Them Funds With Deposits.Yahoo Finance — News · 19 Sept 2026 · EN
- Is Affirm Holdings, Inc. (AFRM) Stock a Buy After Goldman Sachs Raised Its Price Target?Yahoo Finance — News · 19 Sept 2026 · EN
- Affirm Stock Just Scored an Upgrade. Here's What to Know.Yahoo Finance — News · 14 Sept 2026 · EN
- Nike downgraded, Affirm upgraded: Wall Street's top analyst callsYahoo Finance — News · 14 Sept 2026 · EN
- Here are Monday's biggest analyst calls: Nvidia, SpaceX, Apple, GM, Netflix, Affirm, Caterpillar, Broadcom & moreCNBC — Top News · 14 Sept 2026 · EN
- First ministers at Celtic summit to affirm right to seek independence from the UKThe Guardian World · 13 Sept 2026 · EN
- Why It’s Time to Buy the Dip in Affirm StockYahoo Finance — News · 12 Sept 2026 · EN
- Jim Cramer Remains A Believer In Affirm Holdings (NASDAQ:AFRM)Yahoo Finance — News · 12 Sept 2026 · EN
- Jim Cramer Highlights Affirm (AFRM) and Its Strong Merchant NetworkYahoo Finance — News · 12 Sept 2026 · EN
- SoFi Dips 3% Despite Reported Kraken Crypto Settlement Tie-Up; Affirm Drops 5%, Robinhood Holds SteadyYahoo Finance — News · 09 Sept 2026 · EN
- Here are Wednesday's biggest analyst calls: Nvidia, Tesla, Dell, First Solar, Affirm, Teva, Robinhood & moreCNBC — Top News · 09 Sept 2026 · EN
- Here Are Tuesday’s Top Wall Street Analyst Research Calls: Abercrombie & Fitch, Affirm Holdings, Eagle Materials, Klarna Group, Martin Marietta Materials, Oklo, Qualcomm, Robinhood Markets, Ulta Beauty, and MoreYahoo Finance — News · 09 Sept 2026 · EN
- Affirm Rallies 6% on $104 Price Target From BofA, Sezzle Climbs 4%, PayPal Rises 3%Yahoo Finance — News · 02 Sept 2026 · EN
- Affirm CEO delivers bad news for U.S. consumers as demand spikesYahoo Finance — News · 02 Sept 2026 · EN
- How Affirm leverages 0% interestYahoo Finance — News · 01 Sept 2026 · EN
- Affirm’s (AFRM) Next Chapter Bets Big On The CardYahoo Finance — News · 01 Sept 2026 · EN
- Putin and Xi affirm strategic alliance amid ‘unpredictable’ worldAl Jazeera — World · 31 Aug 2026 · EN
- Affirm Drops 4% as Post-Earnings Rally Unwinds Despite 36% GMV GrowthYahoo Finance — News · 31 Aug 2026 · EN
SEC filings
- Proxy statement23 Oct 2026
- Annual report27 Aug 2026
- Current report27 Aug 2026Results of operations · Departure or appointment of officers · Financial statements and exhibits
- Current report25 Jun 2026Material agreement · Departure or appointment of officers · Financial statements and exhibits
- Quarterly report07 May 2026
- Current report07 May 2026Results of operations · Financial statements and exhibits
- Quarterly report05 Feb 2026
- Current report05 Feb 2026Results of operations · Financial statements and exhibits
- Current report16 Jan 2026Departure or appointment of officers
- Current report18 Dec 2025Shareholder vote
Sources
- [1] Form 10-K, fiscal year ended 2026-06-30 · SEC / Affirm Holdings, Inc. · 27 Aug 2026
- [2] Form 8-K, results release (exhibit 99.1) · SEC / Affirm Holdings, Inc. · 27 Aug 2026
Figures computed by olivLaw from SEC filings and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.