Affirm Holdings, Inc.(AFRM)Earnings, Financials & Key RatiosAffirm Holdings, Inc. (AFRM) stock price & volume — 10-year historical chart
Investment Thesis • Updated 2026Q3
while the company reached a net income of $129.6M in 2026Q2, the high P/E ratio of 529.93 and reliance on non-cash adjustments suggest that the current valuation may not fully reflect underlying credit risks.
Affirm Holdings, Inc. (AFRM) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Affirm Holdings, Inc. (AFRM) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 7, 2026 | $0.30vs $0.17+76.1% | $1.0Bvs $995M+4.4% |
| Q1 2026 | Feb 5, 2026 | $0.37vs $0.28+32.1% | $1.1Bvs $1.1B+6.4% |
| Q4 2025 | Nov 6, 2025 | $0.23vs $0.11+105.2% | $933Mvs $883M+5.7% |
| Q3 2025 | Aug 28, 2025 | $0.20vs $0.12+61.9% | $876Mvs $837M+4.7% |
Recent stock market news and headlines for Affirm Holdings, Inc. (AFRM)
Affirm remains a 'Strong Buy' as BNPL adoption grows and the total addressable market is set for continual expansion. AFRM delivered 22% Y/Y active customer growth in Q3 '26 and surpassed $1B in quarterly revenue for the second consecutive quarter, driven by rising transactions per user. Shares have surged 89% since March, yet at 18x forward P/E, AFRM remains attractively valued versus some Fintech peers and its growth outlook.
NATO leaders including U.S. President Donald Trump are set to affirm an "ironclad commitment" to collective defence under the alliance's Article 5 pact at a summit in Ankara next week, according to a text approved by NATO ambassadors and seen by Reuters.
AFRM expands its BNPL reach through a Bed Bath & Beyond partnership, adding payment flexibility that could drive merchant growth and higher transaction volumes.
Affirm delivered a standout Q3 2026, with the Affirm Card emerging as a major growth engine. Active Affirm Card users surged 130% YoY to 4.4 million, driving 146% YoY direct-to-consumer GMV growth. Q3 2026 revenues hit $1.04B, up 32.64% YoY, beating expectations by $43.56M and marking the 10th straight quarter of 30%+ GMV growth.
SAN FRANCISCO--(BUSINESS WIRE)--A home comes together one decision at a time, from the everyday essentials people rely on to the larger purchases that make a space more comfortable, functional, and personal. Now, eligible customers shopping across Bed Bath & Beyond brands – including Overstock, Bed Bath & Beyond, and buybuy BABY – can choose Affirm (NASDAQ: AFRM) at online checkout and pay over time in biweekly or monthly payments with no hidden fees, late fees, or compounding interest.
Key metrics vs top competitors for Affirm Holdings, Inc. (AFRM)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $85.78 | $28.57B | 571.87 | 38.8% | 1.62% | 1.8% | — | |
| $179.05 | $6.02B | 48.13 | 66.08% | 30.83% | 90.93% | — | |
| $3.13 | $370.02M | -87.68 | 288.02% | -5.95% | -7.04% | — | |
| $34.33 | $3.29B | 76.29 | 58.87% | 4.25% | 6.59% | — | |
| $19.21 | $2.21B | 16.70 | 14.97% | 10.17% | 9.47% | — | |
| $18.61 | $23.87B | 47.72 | 28.78% | 11.22% | 6.25% | — |
Affirm Holdings, Inc. (AFRM) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Affirm Holdings, Inc. (AFRM) SEC filings — annual & quarterly reports (10-K, 10-Q)
May 7, 2026·SEC
Feb 5, 2026·SEC
Jan 16, 2026·SEC
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Affirm Holdings, Inc. (AFRM) stock FAQ — growth, dividends, profitability & financials explained
Affirm Holdings, Inc. (AFRM) reported $3.20B in revenue for fiscal year 2025. This represents a 1111% increase from $264.4M in 2019.
Affirm Holdings, Inc. (AFRM) grew revenue by 38.8% over the past year. This is strong growth.
Yes, Affirm Holdings, Inc. (AFRM) is profitable, generating $382.4M in net income for fiscal year 2025 (1.6% net margin).
Affirm Holdings, Inc. (AFRM) has a return on equity (ROE) of 1.8%. This is below average, suggesting room for improvement.
Affirm Holdings, Inc. (AFRM) generated $787.1M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.
