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 (BNPL) financier. As of 2025, Affirm reports having 23 million users and processing $37 billion in annual payments.
| trading_symbol | registrant_name | time | price | change | percentage_change |
|---|---|---|---|---|---|
| AFRM | Affirm Holdings, Inc. | 2025-10-30 20:24:36 | 69.65 | 0.75 | 1.09 |
| trading_symbol | central_index_key | registrant_name | isin_number | lei_number | ein_number | exchange | sic_code | sic_description | fiscal_year_end | state_of_incorporation | address_street | address_city | address_state | address_zip_code | address_country | address_country_code | phone_number | mailing_address | business_address | former_name | industry | founding_date | chief_executive_officer | number_of_employees | website | market_cap | shares_issued | shares_outstanding | description | update_time |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| AFRM | 0001820953 | Affirm Holdings, Inc. | US00827B1061 | — | 842224323 | Nasdaq | 6141 | Personal Credit Institutions | 0630 | NV | 650 CALIFORNIA STREET | SAN FRANCISCO | CA | 94108 | UNITED STATES | US | (415) 960-1518 | 650 CALIFORNIA STREET, SAN FRANCISCO, CA, 94108 | 650 CALIFORNIA STREET, SAN FRANCISCO, CA, 94108 | — | Financial services | 2012 | Max Levchin | 2,206 | https://www.affirm.com/ | 16,600,000,000 | 59,239,370 | — | 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 (BNPL) financier. As of 2025, Affirm reports having 23 million users and processing $37 billion in annual payments. | 2025-10-30 12:33:16 |
| Fiscal Year | Market Cap | Change In Market Cap | Percentage Change In Market Cap | Shares Outstanding | Change In Shares Outstanding | Percentage Change In Shares Outstanding |
|---|---|---|---|---|---|---|
| 2025 | 16,600,000,000 | 4,100,000,000 | 32.8 | — | — | — |
| 2024 | 12,500,000,000 | 10,300,000,000 | 468.1818 | — | — | — |
| 2023 | 2,200,000,000 | -18,700,000,000 | -89.4737 | — | — | — |
| Executive Name | Executive Position | Fiscal Year | Salary | Bonus | Stock Awards | Incentive Plan Compensation | Other Compensation | Total Compensation |
|---|---|---|---|---|---|---|---|---|
| Libor Michalek | President | 2025 | 500,000 | 0 | 3,749,991 | 562,860 | 7,500 | 8,570,323 |
| Rob O’Hare | Chief Financial Officer | 2025 | 457,386 | 0 | 2,749,970 | 450,553 | 7,500 | 6,415,357 |
| Max Levchin | CEO | 2025 | 38,834 | 0 | 0 | 0 | 499,473 | 538,307 |
| Michael Linford | Chief Operating Officer | 2025 | 500,000 | 0 | 3,999,987 | 562,860 | 7,500 | 9,070,340 |
| Katherine Adkins | Chief Legal Officer, Chief Compliance Officer | 2025 | 450,000 | 0 | 1,749,975 | 379,931 | 7,500 | 4,337,397 |
| Fiscal Year | Employee Count |
|---|---|
| 2025 | 2,206 |
| 2024 | 2,006 |
| 2023 | 2,171 |
| Fiscal Year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Revenue | 3,224,412,000 | 2,322,999,000 | 1,587,985,000 |
| Cost Of Revenue | — | — | — |
| Gross Profit | — | — | — |
| Research And Development Expenses | — | — | — |
| General And Administrative Expenses | 545,053,000 | 525,291,000 | 586,398,000 |
| Operating Expenses | 3,311,685,000 | 2,938,846,000 | 2,788,847,000 |
| Operating Income | -87,273,000 | -615,847,000 | -1,200,862,000 |
| Net Income | 52,186,000 | -517,757,000 | -985,345,000 |
| Earnings Per Share Basic | 0.16 | -1.67 | -3.34 |
| Earnings Per Share Diluted | 0.15 | -1.67 | -3.34 |
| Weighted Average Shares Outstanding Basic | 322,851,873 | 309,857,129 | 295,343,466 |
| Weighted Average Shares Outstanding Diluted | 341,023,566 | 309,857,129 | 295,343,466 |
| Fiscal Year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Cash And Cash Equivalents | 1,354,455,000 | 1,013,106,000 | 892,027,000 |
| Marketable Securities Current | — | — | — |
| Accounts Receivable | 426,177,000 | 353,028,000 | 199,085,000 |
| Inventories | — | — | — |
| Non Trade Receivables | 3,771,000 | 18,263,000 | — |
| Other Assets Current | — | — | — |
| Total Assets Current | 10,563,168,000 | 9,070,070,000 | 7,835,309,000 |
| Marketable Securities Non Current | — | — | — |
| Property Plant And Equipment | 572,637,000 | 427,686,000 | 290,135,000 |
| Other Assets Non Current | 12,416,000 | 11,628,000 | 11,621,000 |
| Total Assets Non Current | 591,761,000 | 449,549,000 | 320,306,000 |
| Total Assets | 11,154,929,000 | 9,519,619,000 | 8,155,615,000 |
| Accounts Payable | 82,820,000 | 41,019,000 | 28,602,000 |
| Deferred Revenue | — | — | — |
| Short Term Debt | 183,181,000 | 328,921,000 | 202,245,000 |
| Other Liabilities Current | — | — | — |
| Total Liabilities Current | — | — | — |
| Long Term Debt | 7,609,663,000 | 1,836,909,000 | 1,764,812,000 |
| Other Liabilities Non Current | — | — | — |
| Total Liabilities Non Current | — | — | — |
| Total Liabilities | 8,085,919,000 | 6,787,630,000 | 5,621,432,000 |
| Common Stock | 2,000 | 2,000 | 2,000 |
| Retained Earnings | -3,056,818,000 | -3,109,004,000 | -2,591,247,000 |
| Accumulated Other Comprehensive Income | -15,069,000 | -21,565,000 | -15,423,000 |
| Total Shareholders Equity | 3,069,009,000 | 2,731,989,000 | 2,534,183,000 |
| Fiscal Year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Depreciation And Amortization | 225,076,000 | 169,044,000 | 134,634,000 |
| Share Based Compensation Expense | 321,433,000 | 344,511,000 | 451,709,000 |
| Other Non Cash Income Expense | -13,703,000 | 25,331,000 | 8,825,000 |
| Change In Accounts Receivable | 84,952,000 | 167,757,000 | 67,690,000 |
| Change In Inventories | — | — | — |
| Change In Non Trade Receivables | — | — | — |
| Change In Other Assets | 12,175,000 | -31,228,000 | 14,466,000 |
| Change In Accounts Payable | 41,801,000 | 12,417,000 | -5,038,000 |
| Change In Other Liabilities | — | — | — |
| Cash From Operating Activities | 793,909,000 | 450,138,000 | 12,181,000 |
| Purchases Of Marketable Securities | 823,886,000 | 986,071,000 | 1,082,147,000 |
| Sales Of Marketable Securities | 1,300,000,000 | 1,500,000,000 | 3,700,000,000 |
| Acquisition Of Property Plant And Equipment | 192,189,000 | 159,296,000 | 120,775,000 |
| Acquisition Of Business | 0 | 0 | 16,051,000 |
| Other Investing Activities | — | 34,005,000 | -3,706,000 |
| Cash From Investing Activities | -1,083,064,000 | -1,325,149,000 | -1,653,070,000 |
| Tax Withholding For Share Based Compensation | 303,811,000 | 189,169,000 | 73,845,000 |
| Payments Of Dividends | — | — | — |
| Issuance Of Common Stock | — | — | — |
| Repurchase Of Common Stock | 250,000,000 | 0 | 109,000 |
| Issuance Of Long Term Debt | 21,174,242,000 | 12,639,444,000 | 6,894,971,000 |
| Repayment Of Long Term Debt | — | — | — |
| Other Financing Activities | — | — | — |
| Cash From Financing Activities | 751,425,000 | 913,149,000 | 1,349,945,000 |
| Change In Cash | 461,024,000 | 35,455,000 | -290,863,000 |
| Cash At End Of Period | 1,354,455,000 | 1,013,106,000 | 892,027,000 |
| Income Taxes Paid | 2,736,000 | 1,187,000 | 808,000 |
| Interest Paid | 404,377,000 | 318,235,000 | 163,191,000 |
| Fiscal Year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Earnings Per Share | 0.16 | -1.67 | -3.34 |
| Price To Earnings Ratio | 432.125 | -17.8623 | -4.5898 |
| Earnings Growth Rate | -109.5808 | -50 | 33.0677 |
| Price Earnings To Growth Ratio | -3.9434 | 0.3572 | -0.1388 |
| Book Value Per Share | 9.5059 | 8.8169 | 8.5805 |
| Price To Book Ratio | 7.2733 | 3.3833 | 1.7866 |
| Ebitda | 705,449,000 | -3,273,000 | -666,890,000 |
| Enterprise Value | 28,760,367,499.22 | 10,395,762,158.07 | 5,602,645,333.78 |
| Dividend Yield | — | — | — |
| Dividend Payout Ratio | — | — | — |
| Debt To Equity Ratio | 2.5392 | 0.7928 | 0.7762 |
| Capital Expenditures | 370,027,000 | 306,595,000 | 253,287,000 |
| Free Cash Flow | 423,882,000 | 143,543,000 | -241,106,000 |
| Return On Equity | 0.017 | -0.1895 | -0.3888 |
| One Year Beta | 2.4253 | 3.4145 | 3.7126 |
| Three Year Beta | 3.076 | 3.5569 | 3.3648 |
| Five Year Beta | 3.0869 | 3.3714 | 3.3648 |
| Insider Name | Relationship To Issuer | Transaction Date | Amount Of Securities | Acquired Or Disposed | Securities Owned Following Transaction |
|---|---|---|---|---|---|
| Adkins Katherine | Chief Legal Officer | 2025-10-01 | 1,706 | A | 124,259 |
| Adkins Katherine | Chief Legal Officer | 2025-10-01 | 773 | D | 123,486 |
| Adkins Katherine | Chief Legal Officer | 2025-10-01 | 305 | D | 915 |
| Adkins Katherine | Chief Legal Officer | 2025-10-01 | 1,401 | D | 15,416 |
| Michalek Libor | Director, President | 2025-10-01 | 2,336 | A | 198,571 |
| Name Of Reporting Person | Report Date | State | Transaction Type | Transaction Date | Owner Type | Amount |
|---|---|---|---|---|---|---|
| Daniel Goldman | 2023-05-19 | NY10 | Purchase | 2023-04-10 | — | $1,001 - $15,000 |
| Thomas Suozzi | 2022-05-20 | NY03 | Sale | 2022-03-04 | — | $1,001 - $15,000 |
| Josh Gottheimer | 2022-03-18 | NJ05 | Sale | 2022-02-11 | Joint | $1,001 - $15,000 |
| Josh Gottheimer | 2022-01-10 | NJ05 | Sale (Partial) | 2021-12-28 | Joint | $1,001 - $15,000 |
| Josh Gottheimer | 2021-11-15 | NJ05 | Purchase | 2021-10-12 | Joint | $1,001 - $15,000 |
| Investor Name | Period Of Report | Market Value | Amount Of Securities | Price Per Security |
|---|---|---|---|---|
| JENNISON ASSOCIATES LLC | 2025-09-30 | 492,340 | 6,737 | 73.08 |
| TEACHER RETIREMENT SYSTEM OF TEXAS | 2025-09-30 | 2,562,623 | 35,066 | 73.08 |
| Steadview Capital Management LLC | 2025-09-30 | 971,964 | 13,300 | 73.08 |
| Parkside Financial Bank & Trust | 2025-09-30 | 804 | 11 | 73.0909 |
| STRS OHIO | 2025-09-30 | 980,441 | 13,416 | 73.08 |
| Registrant Name | Period Of Report | Fund Name | Fund Symbol | Amount Of Units | Value In Usd | Percentage Value Compared To Assets |
|---|---|---|---|---|---|---|
| WisdomTree Trust | 2025-08-31 | WisdomTree Efficient Gold Plus Equity Strategy Fund | GDE | 800 | 70,768 | 0.0237 |
| SEI INSTITUTIONAL INVESTMENTS TRUST | 2025-08-31 | SIIT LARGE CAP INDEX FUND - CLASS A | LCIAX | 8,100 | 716,526 | 0.0394 |
| SEI INSTITUTIONAL INVESTMENTS TRUST | 2025-08-31 | SIIT Extended Market Index Fund - Class A | SMXAX | 40,600 | 3,591,476 | 0.2964 |
| Northern Lights Fund Trust IV | 2025-08-31 | Inspire 500 ETF | PTL | 10,548 | 933,076.08 | 0.2034 |
| VALIC Co I | 2025-08-31 | Growth Fund | VCULX | 2,172 | 192,135.12 | 0.011 |