Affirm Holdings, Inc. · Personal Credit Institutions

AFRM

Low riskNext report: Around Nov 5 (est.)

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The short version

A profitable company with growing sales. Institutions are adding.

Going well

Sales up 33% in the latest quarter vs a year ago
Profitable
Sales up 39% last year

Watch out for

Share count growing 5.7% a year

Money moves

Insiders sold $5.2M in the last 30 days, all through pre-planned sales
Institutions added 5.5% to their holdings in the quarter ending June 2026 (396 bought, 240 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$69.46-0.9% that day

Company value: $24.2B; Share price times all shares
Price vs profit (P/E): 12.6x; You pay about $13 for each $1 of yearly profit
Price vs sales: 5.7x; Company value is 5.7 times a year of sales
Cash vs value: 7%; Cash as a share of company value
Debt vs value: 37%; Debt as a share of company value

From AFRM's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26 (worked out from yearly totals)

$1.2B+33% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $4.3B, up 32% from the 12 months before. Over 5 years, sales grew about 45% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of AFRM. Starting points are the company's recent numbers.

Sales growth+30% a yearRecently: +32% a yearProfit margin45%Last 12 months: 45.3%P/E at the end13xToday: 12.6x. Many steady companies trade at 12x to 25xShare count change+6% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$15.8B

Profit in 5 years$7.1B

Price these guesses point to$198.26+185% vs $69.46 todayAbout +23% a year, before dividends

What today's price needs: with a 45% margin and a 13x P/E, sales would have to grow about 5.4% a year for 5 years just to match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Word of mouth

Updated daily

People looking up the company, yesterday: 1.5x normal; 241 views vs about 166 on a usual day

Forum talk counts mentions of AFRM in popular online stock forums, a slice of the internet rather than all of it. Company lookups show interest in the company itself, which can come from news that isn't about the stock. Attention isn't quality.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

1/6Weak

MissReturn on equity 15%+Earns a lot on the money owners have in the business.1.6%
MissDebt under half of equityNot relying on borrowed money.2.54x equity
MissNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.1.6%
MissProfitable every yearSteady profits, not one good year.1 of 7 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$601.7M
MissShare count not growingNot diluting owners. Falling means buybacks.+18.1% in 3 years

Revenue: $3.2B; +38.8% vs prior year
5-year growth: +44.6%/yr; revenue, per year
Total debt: $9.0B; 2.54x equity
Free cash flow: $601.7M; 18.7% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. A checklist is a starting point for research, not a verdict.