Zacks Investment Research·1d ago
Affirm Holdings (AFRM) Outperforms Broader Market: What You Need to KnowAffirm Holdings (AFRM) concluded the recent trading session at $70.44, signifying a +1.75% move from its prior day's close.
Affirm is demonstrating a clear inflection toward profitability, with operating income scaling to $265.3M in Q4 2026 as revenue growth decelerated to 24.3% and SG&A discipline held costs near $240M per quarter. The core investment thesis hinges on the sustaina...
Price trend, volume and key moving averages
Start with the evidence for owning the stock and the risks that can break the thesis.
Revenue growth has decelerated from over 50% to 24.3% as the hyper-growth phase matures, but operating margin has swung dramatically to 24.3% in Q4 2026, indicating significant operating leverage as SG&A expenses were held flat near $240M per quarter.
Affirm offers buy now, pay later services without late fees or hidden interest, providing transparency and consistent payments.
Affirm is a leader in the Buy Now, Pay Later space, with rapid growth and strong underwriting capabilities.
The company is expanding its presence beyond online retail into offline markets, broadening its customer base.
Trailing total returns as of 10/3/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q3 2026Latest Aug 27, 2026 | $4.62+1230.3% vs $0.35 | $1.2B+5.3% vs $1.1B |
Q2 2026 May 7, 2026 | $0.30+76.1% vs $0.17 | $1.0B+4.4% vs $995M |
Q1 2026 Feb 5, 2026 | $0.37+32.1% vs $0.28 | $1.1B+6.4% vs $1.1B |
Q4 2025 Nov 6, 2025 | $0.23+105.2% vs $0.11 | $933M+5.7% vs $883M |
Affirm Holdings (AFRM) concluded the recent trading session at $70.44, signifying a +1.75% move from its prior day's close.
AFRM Card is expanding AFRM's direct-to-consumer reach, boosting engagement and transactions while creating room for further adoption.
Affirm Holdings (NASDAQ:AFRM | AFRM Price Prediction) stock was September's relative winner among the three buy now, pay later names, even after falling 10.5% to $69.61. Klarna Group (NYSE:KLAR) stock declined 12.5% to $12.42, while Sezzle (NASDAQ:SEZL) stock fell 13.
AFRM's Crate & Barrel partnership expands its pay-over-time reach across major home-furnishing brands in the US and Canada.
Benchmark AFRM against direct peers instead of judging its metrics in isolation.
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 |
|---|---|---|---|---|---|---|---|
| $70.77 | $23.57B | 471.80 | 38.8% | 1.62% | 1.8% | — | |
| $107.41 | $3.61B | 28.87 | 69.51% | 30.35% | 85.55% | — | |
| $3.14 | $371.53M | -87.96 | 557.55% | -5.95% | -7.04% | — | |
| $22.81 | $2.18B | 50.69 | 62.84% | 5.22% | 7.85% | — | |
| $19.21 | $2.22B | 16.70 | 26.92% | 15.85% | 12.92% | — | |
| $15.76 | $20.21B | 40.40 | 38.32% | 11.4% | 6.18% | — |
Affirm Holdings, Inc. (AFRM) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
Affirm Holdings, Inc. (AFRM) SEC filings — annual & quarterly reports (10-K, 10-Q)
Aug 27, 2026·SEC
May 7, 2026·SEC
Feb 5, 2026·SEC
Get notified when AFRM posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
Affirm Holdings, Inc. (AFRM) stock FAQ — growth, dividends, profitability & financials explained
Affirm Holdings, Inc. (AFRM) reported $3.41B in revenue for fiscal year 2025. This represents a 1191% 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 $1.93B 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 $993.1M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.
