Affirm Holdings Inc - Ordinary Shares - Class A

Affirm Holdings Inc - Ordinary Shares - Class A

AFRM

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Market Cap$24.67B
Close$

Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
Affirm Holdings Inc - Ordinary Shares - Class AAffirm Holdings Inc - Ordinary Shares - Class A64.9-10%13.30.3

Earnings Call Q3 2026

May 7, 2026 - AI Summary

Record quarter / credit staying stable (good + reassuring): Management said consumer credit performance is stable with no signs of deterioration in the populations Affirm underwrites (not making claims about the broader market). They characterized delinquencies as stable and credit signals as constructive, which supported overall performance and a pleasant funding environment.
Funding + ABS market tailwinds (good): CFO said 3 deals so far this year (including 2 revolving deals in the quarter and a priced static deal not yet closed). They reported “incredible depth,” lots of oversubscription, and continued tightening of ABS spreads, resulting in funding cost declines of ~125 bps year-over-year. This is attributed to investor demand for Affirm’s short-duration assets and execution.
Pay-in-4 / Pay-in-X momentum (good + expects continuation): Segment commentary suggested Pay-in-X is the fastest-growing segment. Drivers included: - A large program shift to an evergreen 0% Pay in 4 offer (boosting volumes) - Shopify continuing to grow as a key source of volume - Another large program changing its financing program in a positive direction They expect the Q4 trend to continue.

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$78.07

Target Price by Analysts

17.8% upsideAffirm Holdings Target Price DetailsTarget Price
$-28.19

Current Fair Value

142.5% downside

Overvalued by 142.5% based on the discounted cash flow analysis.

Share Statistics

Market cap$24.67 Billion
Enterprise Value$24.07 Billion
Dividend Yield$- (-)
Earnings per Share$0.16
Beta3.72
Outstanding Shares337,142,686

Return

Return on Equity10.11%ROE
Return on Assets2.91%
Return on Invested Capital3.42%

Valuation & Multiples

P/E Ratio64.93P/E Ratio
PEG1.82PEG
Price to Sales13.25Price to Sales
Price to Book Ratio6.02Price to Book Ratio
Enterprise Value to Revenue13.96
Enterprise Value to EBIT53.82
Enterprise Value to Net Income62
Total Debt to Enterprise0.05
Debt to Equity0.3Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
May 14, 2026
EPS Estimate
$0.17
Average shareholder expectation
Revenue Estimate
$995.85 M
Average shareholder expectation

Next Earnings Call

Expected Date
August 27, 2026
EPS Estimate
$0.36
Average shareholder expectation
Revenue Estimate
$1.10 B
Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio1.2993 5.44%
Total Calls8,012,803 36.32%
Total Puts10,410,950 33.54%

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %71.93% 0.54%
Total Invested$11.78B 33.66%
Investors Holding652 54.00%

ESG Score

No data

About Affirm Holdings Inc

916 employees

Affirm’s mission is to deliver honest financial products that improve lives. With that in mind, Affirm is building the next generation platform for digital and mobile-first commerce, making it easier for consumers to spend responsibly an...

Relevant Senate Committees

Joint Committee on Taxation

This committee provides the official revenue estimates and technical analysis for all tax legislation, directly influencing corporate tax structures and the overall tax burden on companies like Affirm, making it highly relevant for financial planning and profitability.

Finance

This powerful committee controls taxation, which directly impacts Affirm's corporate profitability and financial strategies, making it a critical influence on the company's valuation.

Banking, Housing, and Urban Affairs

This committee directly regulates the entire financial system, including consumer lending, and potentially cryptocurrency regulation. As a provider of financial products (BNPL), Affirm is under the direct oversight and policy influence of this committee.

Commerce, Science, and Transportation

With vast jurisdiction over interstate commerce, the FTC, and privacy laws, this committee directly impacts how Affirm operates its digital platform, handles consumer data, and markets its financial products to consumers and merchants.

Joint Economic Committee

As an advisory body that influences market sentiment on Federal Reserve interest rate decisions and reviews economic conditions, this committee's insights are highly relevant. Interest rates directly impact Affirm's cost of capital and profitability as a lending platform.