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AFRM Affirm Holdings, Inc.

Trailing twelve months to 2026-03-31 · as filed 2026-05-07, not restated
Financials

Scale

Market cap
$26.1bn
Revenue TTM
$1.4bn
Net income TTM
$382m
Free cash flow
$787m
Composite score
38.3
Sector rank
#377

Valuation

P / E
68.3
EV / EBITDA
54.7
EV / sales
24.4
FCF yield
3.01%
Earnings yield vs 10-yr
-3.27pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% 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
28.1%
EBITDA margin
44.6%
ROE
10.1%
ROIC
3.0%
Revenue growth
32.1%

Insider activity, last 90 days

Net open-market
$-8.16m
Buyers
0
Sellers
2

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. (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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