profit from every $100 of sales.
$0$100
Affirm Holdings
$65.11-1.11% today
-11.0% in 1 year
1-year low $42.531-year high $85.78
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2021 to 2026.
0%20% a year
You pay $11.44 for every $1 of profit it makes in a year.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What Affirm Holdings sold, what it kept, and what it did with the cash.
Sales went from $1.59 billion in 2023 to $4.26 billion in 2026, with $1.93 billion of profit last year.
SalesProfit
Affirm Holdings vs. similar companies
Affirm Holdings grows the fastest of these 5 and is the cheapest for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Affirm Holdings | 11.4× · Cheap | ||
 Visa | 33.8× · Expensive | ||
 Mastercard | 38.5× · Expensive | ||
 American Express | 19.8× · Fair price | ||
 Capital One Financial | 47.8× · Expensive |
AI analysis
An AI analyst reads Affirm Holdings's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|
| 870 | 1,349 | 1,588 | 2,323 | 3,224 | 4,261 | |
| – | 773 | 715 | 1,478 | 2,177 | – | |
| – | -796 | -982 | -265 | 338 | – | |
| -371 | -602 | -672 | -2 | 712 | 1,250 | |
| -441 | -707 | -985 | -518 | 52 | 1,930 | |
| -2.94 | -2.51 | -3.34 | -1.67 | 0.15 | 5.53 | |
| – | 57.3% | 45.0% | 63.6% | 67.5% | – | |
| – | -59.0% | -61.8% | -11.4% | 10.5% | – | |
| -50.7% | -52.4% | -62.1% | -22.3% | 1.6% | 45.3% |
Balance sheet
| In millions of USD | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|
| Total assets | 4,867 | 6,974 | 8,156 | 9,520 | 11,155 | 15,790 |
| Cash | 1,467 | 1,255 | 892 | 1,013 | 1,354 | 1,630 |
| Total debt | – | 4,144 | 5,451 | 6,614 | 7,853 | 9,823 |
| Total liabilities | 2,291 | 4,356 | 5,621 | 6,788 | 8,086 | 10,306 |
| 2,576 | 2,618 | 2,534 | 2,732 | 3,069 | 5,484 | |
| 159 | 282 | 295 | 310 | 341 | 349 | |
| -12.0% | -7.7% | -8.0% | -1.4% | 3.5% | 4.9% | |
| -17.1% | -27.0% | -38.9% | -19.0% | 1.7% | 35.2% |
Cash flow
| In millions of USD | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|
| -193 | -162 | 12 | 450 | 794 | 1,231 | |
| 20 | 112 | 121 | 159 | 192 | 238 | |
| -213 | -274 | -109 | 291 | 602 | 993 | |
| Dividends paid | – | – | – | – | – | – |
| 1 | 0 | 0 | 0 | 250 | 0 | |
| 293 | 391 | 452 | 345 | 321 | 305 |
Valuation
- 11.4×
- 60.4×
- –
- 4.5×
- 5.2×
- 22.2×
- 24.2×
- 4.5%
- 8.7%
- 0.0%
Profitability
- 67.5%
- 10.5%
- 45.3%
- 28.1%
- 4.9%
- -0.3%
- 11.2%
- 2.9%
- 3.4%
- –
Growth
- +37.4%
- –
- +106.9%
- –
- +6.6%
Financial health
- 6.6×
- 1.83
- 67.8%
- 2.1×
- 55.07
- 717.01
- 0.30
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 49%of 758
Bottom 27%of 605
Top 38%of 883
Top 12%of 880
Top 50%of 927
What analysts expect
- Average price target
- $80.77
- Range
- $55.00 – $100.00
- 11 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 7, 2026 | 0.30 | 0.17 | +76.5% |
| Feb 5, 2026 | 0.37 | 0.28 | +32.1% |
| Nov 6, 2025 | 0.23 | 0.11 | +105.2% |
| Aug 28, 2025 | 0.20 | 0.12 | +61.9% |
| May 8, 2025 | 0.01 | -0.01 | +258.2% |
| Feb 6, 2025 | 0.23 | -0.21 | +209.5% |
| Nov 7, 2024 | -0.31 | -0.34 | +8.8% |
| Aug 28, 2024 | -0.14 | -0.48 | +70.9% |
News
Affirm Holdings (AFRM): Has BNPL’s Profitability Turn Earned It an Index Seat?Yahoo Finance · Oct 20, 2026Stock Market Today: Dow Rises As Warsh Speech Starts; Marvell, Affirm, PayPal Are Big Movers (Live Coverage)Yahoo Finance · Aug 28, 2026Marvell, Nvidia, PayPal, Elastic, Affirm, Solstice, and More Stocks That Explain Today’s MarketYahoo Finance · Aug 28, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
27No pass
Benjamin Graham
37No pass
Philip Fisher
56No pass
Peter Lynch
83Pass
Joel Greenblatt
12No pass
Charlie Munger
29No pass
Terry Smith
29No pass
Questions about Affirm Holdings
Is Affirm Holdings a good stock to buy?
A business with weak numbers, and the price looks low. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Affirm Holdings AI analysis
What does Affirm Holdings do?
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. It is in Credit Services, based in San Francisco, CA, United States, with 2,206 employees.
Does Affirm Holdings pay a dividend?
No. Affirm Holdings does not pay a dividend at the moment.
Is Affirm Holdings stock halal?
No. Affirm Holdings does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
How has Affirm Holdings stock done over the past year?
Down 11.0% over the past twelve months, to $65.11. It traded between $42.53 and $85.78 and is 24.1% below its high.
Who are Affirm Holdings's competitors?
The largest listed companies in the same industry are Visa, Mastercard, American Express and Capital One Financial. The peers table on this page compares their profit, growth and price with Affirm Holdings's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.