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Q1 2027 earnings • in 3 days
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AFRM:NASDAQ
Affirm Holdings Inc
$73.58
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+0.15%(+0.11) 1D
$74.18
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+0.81% (+0.60)bedtimeAfter hours
Closed: Nov 2, 4:00:01 PM GMT-5 · USD
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| Symbol | Price | Change | % Change |
|---|
insights_autoGenerating top insights for AFRM...
Open
$74.44
High
$77.93
Low
$73.53
Mkt. cap
24.94B
Avg. vol.
3.77M
Volume
0.00
P/E ratio
13.30
52-wk high
$90.44
52-wk low
$42.10
EPS
$5.53
Beta
3.82
Shares outstanding
298.48M
No. of employees
2K
Open
$74.44
High
$77.93
Low
$73.53
Mkt. cap
24.94B
Avg. vol.
3.77M
Volume
0.00
P/E ratio
13.30
52-wk high
$90.44
52-wk low
$42.10
EPS
$5.53
Beta
3.82
Shares outstanding
298.48M
No. of employees
2K
News stories
From web sources and news partners
Seeking Alpha
·
7 hours ago
Affirm Stock: Wall Street Is Obsessed With AI. I'm Buying Cash Flow (NASDAQ:AFRM)
24/7 Wall St.
·
15 hours ago
Upstart Drops 5% to Near 52-Week Low Ahead of Earnings; Affirm Advances 5%, SoFi Gains 4%
Traders Union
·
17 hours ago
Will Affirm stock break $79.23 resistance as upward price move continues?
Profile
Affirm Holdings, Inc. is an American financial technology company and a point-of-sale lender. Founded in 2012 by PayPal co-founder Max Levchin, it is the largest U.S. based buy now, pay later financier. As of 2026, Affirm reports nearly 28 million users and processes $50 billion in annual payments.
Affirm offers unsecured installment loans at the point-of-sale through various methods. These include payment links at checkout, virtual or physical cards, and integration into third-party digital wallets and banking apps. The company generates revenue by applying a service fee to sellers, charging interest to borrowers, or both, and does not charge a late fee. Affirm also offers a savings account and a debit card. The lender says its loan underwriting involves evaluating transactions by considering credit scores and other pertinent factors, while also incorporating machine learning. Affirm's services are available in the U.S., Canada, the U.K and Australia. Wikipedia
About Affirm Holdings Inc
CEOMax Levchin
Employees2.36K
FoundedJan 1, 2012
HeadquartersSan Francisco, California, United States
SectorFinancial services
Websiteaffirm.com
Analyst ratings
Based on 29 analysts giving stock ratings to AFRM in the past 3 months
Strong buy
Buy
25
Hold
4
Sell
0
12-month forecast
Based on 29 Wall Street analysts offering 12 month price targets for AFRM in the last 3 months.
Highest
Current $73.58
$115.00 (+56.29%)
Average
$99.96 (+35.85%)
Lowest
$79.00 (+7.37%)
Analyst | Recommendation | Action | Price target | Projected | Date |
|---|---|---|---|---|---|
Andrew Bauch BMO Capital | Buy | Reiterated | $102.00 | +38.6% | 11/02/2026 |
Gustavo Gala Monness | Buy | Initiated | $90.00 | +22.3% | 10/26/2026 |
James Faucette Morgan Stanley | Hold | Reiterated | $79.00 | +7.4% | 10/26/2026 |
Matthew Coad Truist Financial | Buy | Maintained | $88.00 | +19.6% | 10/23/2026 |
Jason Kupferberg Wells Fargo | Buy | Maintained | $96.00 | +30.5% | 10/13/2026 |
Will Nance Goldman Sachs | Buy | Reiterated | $103.00 | +40% | 10/13/2026 |
James Friedman Susquehanna | Buy | Maintained | $110.00 | +49.5% | 10/08/2026 |
Moshe Orenbuch TD Cowen | Buy | Maintained | $110.00 | +49.5% | 10/06/2026 |
Bryan Keane Citi | Buy | Maintained | $115.00 | +56.3% | 10/05/2026 |
Lemar Clarke Freedom Capital Markets | Buy | Reiterated | $105.00 | +42.7% | 10/01/2026 |
Nate Svensson Deutsche Bank | Buy | Maintained | $100.00 | +35.9% | 09/25/2026 |
Manyi Lu DBS | Buy | Maintained | $95.00 | +29.1% | 09/14/2026 |
Darrin Peller Wolfe Research | Buy | Upgraded | $90.00 | +22.3% | 09/14/2026 |
Unknown Analyst Loop Capital Markets | Buy | Initiated | $105.00 | +42.7% | 09/08/2026 |
Reginald Smith Loop Capital Markets | Buy | Initiated | $105.00 | +42.7% | 09/08/2026 |
Dan Dolev Mizuho Securities | Buy | Reiterated | $100.00 | +35.9% | 09/03/2026 |
Terry Tillman Truist Financial | Buy | Maintained | $85.00 | +15.5% | 09/03/2026 |
Lance Jessurun Scotiabank | Buy | Initiated | $95.00 | +29.1% | 09/02/2026 |
Unknown Analyst Scotiabank | Buy | Initiated | $95.00 | +29.1% | 09/02/2026 |
Ramsey El Assal Cantor Fitzgerald | Buy | Maintained | $97.00 | +31.8% | 08/31/2026 |
Rayna Kumar Oppenheimer | Buy | Reiterated | $104.00 | +41.3% | 08/31/2026 |
Daniel Perlin RBC Capital | Hold | Reiterated | $96.00 | +30.5% | 08/27/2026 |
Bill Carcache Piper Sandler | Buy | Maintained | $115.00 | +56.3% | 08/28/2026 |
Andrew Jeffrey William Blair | Buy | Maintained | - | - | 08/28/2026 |
Kyle Peterson Needham | Buy | Reiterated | $100.00 | +35.9% | 08/28/2026 |
Connor Allen CFA J.P. Morgan | Buy | Reiterated | $105.00 | +42.7% | 08/28/2026 |
Timothy Chiodo UBS | Hold | Reiterated | $90.00 | +22.3% | 08/28/2026 |
Matthew O'Neill Bank of America Securities | Buy | Reiterated | $104.00 | +41.3% | 08/28/2026 |
Vincent Caintic BTIG | Hold | Maintained | - | - | 08/27/2026 |
Nik Cremo Barclays | Buy | Maintained | $105.00 | +42.7% | 08/28/2026 |
Harshita Rawat Bernstein | Buy | Reiterated | $110.00 | +49.5% | 08/28/2026 |
Adam Frisch Evercore ISI | Buy | Maintained | $90.00 | +22.3% | 08/26/2026 |
Rufus Hone BMO Capital | Buy | Maintained | $86.00 | +16.9% | 08/12/2026 |
Arvind Ramnani Truist Financial | Buy | Reiterated | $83.00 | +12.8% | 07/24/2026 |
David Koning Robert W. Baird | Hold | Maintained | $82.00 | +11.4% | 07/14/2026 |
Unknown Analyst Piper Sandler | Buy | Initiated | $103.00 | +40% | 06/30/2026 |
Ken Shih DBS | Buy | Maintained | $88.00 | +19.6% | 05/21/2026 |
Chris Krueger CFA TD Cowen | Buy | Maintained | $90.00 | +22.3% | 05/13/2026 |
Kyle Joseph Stephens | Hold | Maintained | $75.00 | +1.9% | 05/08/2026 |
Hoang Nguyen TD Cowen | Buy | Reiterated | $90.00 | +22.3% | 05/08/2026 |
Unknown Analyst BMO Capital | Buy | Initiated | $75.00 | +1.9% | 04/22/2026 |
David Scharf Citizens JMP | Buy | Maintained | $85.00 | +15.5% | 04/17/2026 |
Tristan Gerra Robert W. Baird | Hold | Initiated | $55.00 | -25.3% | 02/23/2026 |
Harry Bartlett Rothschild & Co Redburn | Buy | Maintained | $107.00 | +45.4% | 01/28/2026 |
Next call in 3 days
Thu, Nov 5, 5:00 PM
Fiscal period
Q1 2027
- Normalized EPS / Est. (USD)
- GAAP EPS / Est. (USD)
- / $0.86
Revenue / Est. (USD)
- / 1.21B
Fiscal Q1 2027 earnings call
youtube_liveWaiting for the earnings call
At a glance: upcoming earnings
Insights from the latest news and reports
Previous reportsAll values in USD
Loading Previous Earnings...
Income statement
Revenue
Net income
- Quarterly
- Annual
All values in USD | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|
Revenue | 933.34M | 1.12B | 1.04B | 1.17B |
Cost of goods sold | 478.14M | 580.52M | 540.56M | 576.90M |
Cost of revenue | 478.14M | 580.52M | 540.56M | 576.90M |
Research and development expenses | 168.11M | 184.87M | 191.62M | 202.55M |
Total research and development expenses | - | - | - | - |
Selling, general, and admin expenses | 223.43M | 240.00M | 218.16M | 239.25M |
Operating expense | 391.54M | 424.88M | 409.78M | 441.80M |
Total operating expenses | 869.68M | 1.01B | 950.34M | 1.02B |
Operating income | 63.66M | 117.63M | 88.43M | 147.26M |
Other non operating income | 20.58M | 18.32M | 21.61M | 24.52M |
EBT including unusual items | 83.02M | 133.24M | 107.38M | 169.09M |
EBT excluding unusual items | 81.52M | 133.24M | 107.38M | 169.09M |
Income tax expense | 2.33M | 3.65M | 4.48M | -1.45B |
Effective tax rate | 2.80% | 2.74% | 4.17% | -856.05% |
Other operating expenses | - | - | - | - |
Net income | 80.69M | 129.59M | 102.90M | 1.62B |
Net profit margin | 8.65% | 11.54% | 9.91% | 138.65% |
Earnings per share | 0.61 | 0.72 | 0.62 | 4.97 |
Interest and investment income | - | - | - | - |
Interest expense | -2.71M | -2.71M | -2.66M | -2.69M |
Net interest expenses | -2.71M | -2.71M | -2.66M | -2.69M |
Depreciation and amortization charges | - | - | - | - |
EBITDA | 137.05M | 197.98M | 166.51M | 237.66M |
Gain or loss from assets sale | -119.05M | -185.23M | -127.20M | -165.07M |
Insider transactions
Insider transactions data is drawn from third-party sources. Learn more
Insider | Position | Type | Date | Shares | Amount |
|---|---|---|---|---|---|
Page 1
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