Bilaal.Raja
Company record

AFRM  Affirm Holdings, Inc.

Trailing twelve months to 2026-06-30, as filed 2026-08-27 and not restated since.
Financials

Scale

Market cap
$23.7bn
Revenue TTM
$1.4bn
Net income TTM
$1.9bn
Free cash flow
$993m
Composite score
76.7
Sector rank
#385

Valuation

P / E
12.3
EV / EBITDA
44.2
EV / sales
22.1
FCF yield
4.19%
Yield vs 10-yr
2.86pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 5.28% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
133.7%
EBITDA margin
49.9%
ROE
35.2%
ROIC
3.1%
Revenue growth
29.6%

Insider activity, last 90 days

Net open-market
$-26.70m
Buyers
0
Sellers
5

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

Our solutions use the latest in machine learning, artificial intelligence, cloud-based technologies, and other modern tools to create differentiated and scalable products. 59 Table of Contents (1) Not meaningful (“NM”) Our Financial Model Our Revenue Model We have three main loan product offerings: Pay-in-X, 0% annual percentage rate (“APR”) monthly installment loans and interest-bearing monthly installment loans. The balance and product mix of loans held for investment in a given period is driven by the volume and composition of loan purchases and originations as well as the volume, composition and timing of loan sales to third party investors and securitizations. …Affirm Holdings, Inc., 10-Q, period ended 2026-03-31, filed 2026-05-07

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