Affirm Holdings stock
AFRMNASDAQAffirm Holdings, Inc., Financial ServicesISIN US00827B1061
67Score 67 out of 100, Neutral
Price and trend
58 / 100
Price history
−17% in one yearThe chart shows daily closes over 6 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 1.0% below it.
Since June 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 42).
The price is 23% below its 52-week high. Largest decline in 6 years: 95% (November 2021 to December 2022).
Chart figures for advanced users
- SMA 50$71.97
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$66.47
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)42
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$42.53
- The lowest closing price of the last twelve months.
- Resistance$85.78
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Affirm Holdings, Inc. belongs to the Financial (Credit Services) industry (United States) and, with a market value of $22.47B, is number 11 of 61 companies in its industry on MEQIRI.
- In fiscal 2026 it reported revenue of $3.5B (up 24.9% year on year) and earnings of $1.93B (up 3,597.9%).
- For fiscal 2027, analysts expect on average revenue of $5.57B (up 59.4%) and adjusted earnings per share of $2.05.
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- MEQIRI Score 67 out of 100 (Neutral): rank 524 of 976 in Financial Services, median 68.
- The P/E is 11.5 (Financial (Credit Services) median 11.8, own median of recent years 14.2).
- Our model puts fair value at $67.36, with the price 1% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- High return on equityReturn on equity 43.4% over the last 12 months.Profitability 100
- Growing faster than its industryRevenue up 33.7% a year since 2021, Financial (Credit Services) median 9.7%.Growth 77
Weaknesses
- DilutionShare count up 24% since 2021.Capital allocation 54
- Volatile share priceVolatility 58% a year over the last 12 months.Stability 66
Its standout strengths are profitability and growth, while momentum holds the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 66 to 67.
The fundamentals are in the middle range.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk high
How well MEQIRI warnsOne of the 30% with the highest crash risk among stocks ranked 101 to 1,000.
From 2016 to 2025, 23 in 100 such stocks fell 30% or more within a year, against a group average of 15 in 100.
What drives the risk
- high price swings
Valuation
Valuation signal
Fairly valuedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $48.11 and expensive above $112.27 (uncertainty high, based on the price swings of the past year).
Valuation metrics
From earnings times the industry P/E (11.8) alone; there are no viable cash flows for the cash-flow model.
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 33.3% on the twelve months before. Revenue has grown strongly since 2019, at around 47% per year.
Margins
- Operating margin
- Net margin
In fiscal 2026: operating 25%, net 55%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. Last 12 months: net 50%.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 4 Feb 2027in 84 days
- Last reported
- 5 Nov 2026EPS reported $0.47 (expected $0.38)above expectations
Analyst estimates
Analysts have raised their 2027 earnings estimate by 3.2% since 15 Oct 2026.
- Earnings per share
- $2.05+3.2%
- Revenue
- $5.57B+1.5%
- Earnings per share
- $2.95+1.8%
- Revenue
- $6.95B+1.5%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: +1.7%The fiscal 2027 outlook assumes take rates and a funding mix consistent with fiscal 2026, and no exact EPS guidance is given.
“So I think with sort of those building blocks coming into the year, that's what informed the outlook that we gave, which really is consistent take rates with what we experienced in fiscal '26.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 27 Aug 2026 (fiscal Q4 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 5 insiders sold, $32.08M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- O'Hare RobertSale
9 Oct 2026, Chief Financial Officer
- Shares
- 65,591
- Price
- $80.02
- Value
- $5.25M
- Jiyane SipheleleSale
14 Sept 2026, Chief Accounting Officer
- Shares
- 26,980
- Price
- $72.19
- Value
- $1.95M
- Jiyane SipheleleSale
4 Sept 2026, Chief Accounting Officer
- Shares
- 25,000
- Price
- $72.41
- Value
- $1.81M
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- Adkins KatherineSale
3 Sept 2026, Chief Legal Officer
- Shares
- 41,664
- Price
- $75.53
- Value
- $3.15M
- O'Hare RobertSale
2 Sept 2026, Chief Financial Officer
- Shares
- 5,886
- Price
- $74.02
- Value
- $435,682
- Adkins KatherineSale
1 Sept 2026, Chief Legal Officer
- Shares
- 41,664
- Price
- $70.55
- Value
- $2.94M
- O'Hare RobertSale
1 Sept 2026, Chief Financial Officer
- Shares
- 15,745
- Price
- $71.60
- Value
- $1.13M
- Linford MichaelSale
28 Aug 2026, Chief Operating Officer
- Shares
- 79,219
- Price
- $90.01
- Value
- $7.13M
- Watson Noel BertramSale
12 Aug 2026, Board
- Shares
- 2,000
- Price
- $77.86
- Value
- $155,720
- Linford MichaelSale
26 Jun 2026, Chief Operating Officer
- Shares
- 100,000
- Price
- $80.04
- Value
- $8M
- Watson Noel BertramSale
13 May 2026, Board
- Shares
- 2,000
- Price
- $65.00
- Value
- $130,000
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Affirm Holdings
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 67
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Financial (Credit Services)
The next larger and next smaller companies by market value
- ORIXIX $36.88B66
- Global PaymentsGPN $26.52B60
- Shriram FinanceSHRIRAMFIN.NS $24.34B75
- Synchrony FinancialSYF $23.43B79
- SoFi TechnologiesSOFI $21.12B46
- Cholamandalam Investment and FinanceCHOLAFIN.NS $16.56B79
- Muthoot FinanceMUTHOOTFIN.NS $12.43B82
- Power FinancePFC.NS $12.13B74
ETFs that hold Affirm Holdings
Held by 61 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Invesco NASDAQ Next Generation 100 UCITS ETF AccEQQJ | 1.00% | 0.25% | €44.3M |
| UBS Global Gender Equality UCITS ETF hEUR accGGUE | 0.97% | 0.23% | €188.95M |
| iShares MSCI USA Mid-Cap Equal Weight UCITS ETFQDVC | 0.35% | 0.20% | €268.74M |
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| Xtrackers MSCI USA Financials UCITS ETF 1DXUFN | 0.26% | 0.12% | €1.07B |
| Deka MSCI USA MC UCITS ETFEL41 | 0.25% | 0.30% | €51.58M |
| JPMorgan US Research Enhanced Index Equity Active UCITS ETFJUHE | 0.15% | 0.20% | €14.56B |
| iShares MSCI World Mid-Cap Equal Weight UCITS ETF USDIS3T | 0.14% | 0.30% | €408.01M |
| Xtrackers MSCI World Financials UCITS ETF 1CXDWF | 0.13% | 0.25% | €1.44B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2026, period end 30 Jun 2026
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 6 Nov 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.