Affirm Holdings, Inc. (AFRM)

65.27 -1.86 (-2.77%)

As of 2026-05-22 14:59:46 EST

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 nearly 27 million users and processing $37 billion in annual payments.

Traded asNasdaq: AFRM
ISINUS00827B1061
CIK0001820953
LEI—
EIN842224323
SectorFinancial services
IndustryPersonal Credit Institutions
CEOMax Levchin
Employees2,206
Fiscal Year End0630
Address650 CALIFORNIA STREET, SAN FRANCISCO, CA, 94108
Phone(415) 960-1518
Websitehttps://www.affirm.com/
Stock Quotes
trading_symbolregistrant_nametimepricechangepercentage_change
AFRMAffirm Holdings, Inc.2026-05-22 14:59:4665.27-1.86-2.77
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Company Information
trading_symbolcentral_index_keyregistrant_nameisin_numberlei_numberein_numberexchangesic_codesic_descriptionfiscal_year_endstate_of_incorporationaddress_streetaddress_cityaddress_stateaddress_zip_codeaddress_countryaddress_country_codephone_numbermailing_addressbusiness_addressformer_nameindustryfounding_datechief_executive_officernumber_of_employeeswebsitemarket_capshares_issuedshares_outstandingdescriptionupdate_time
AFRM0001820953Affirm Holdings, Inc.US00827B1061—842224323Nasdaq6141Personal Credit Institutions0630NV650 CALIFORNIA STREETSAN FRANCISCOCA94108UNITED STATESUS(415) 960-1518650 CALIFORNIA STREET, SAN FRANCISCO, CA, 94108650 CALIFORNIA STREET, SAN FRANCISCO, CA, 94108—Financial services2012Max Levchin2,206https://www.affirm.com/16,600,000,00059,239,370—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 nearly 27 million users and processing $37 billion in annual payments.2026-05-21 15:38:26
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AFRM Stock Price (End-of-Day)
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AFRM Stock Price (1-Minute)
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Market Cap
Fiscal YearMarket CapChange In Market CapPercentage Change In Market CapShares OutstandingChange In Shares OutstandingPercentage Change In Shares Outstanding
202516,600,000,0004,100,000,00032.8———
202412,500,000,00010,300,000,000468.1818———
20232,200,000,000-18,700,000,000-89.4737———
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Executive Compensation
Executive NameExecutive PositionFiscal YearSalaryBonusStock AwardsIncentive Plan CompensationOther CompensationTotal Compensation
Libor MichalekPresident2025500,00003,749,991562,8607,5008,570,323
Rob O’HareChief Financial Officer2025457,38602,749,970450,5537,5006,415,357
Max LevchinCEO202538,834000499,473538,307
Michael LinfordChief Operating Officer2025500,00003,999,987562,8607,5009,070,340
Katherine AdkinsChief Legal Officer, Chief Compliance Officer2025450,00001,749,975379,9317,5004,337,397
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Employee Count
Fiscal YearEmployee Count
20252,206
20242,006
20232,171
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Income Statements
Fiscal Year202520242023
Revenue3,224,412,0002,322,999,0001,587,985,000
Cost Of Revenue———
Gross Profit3,224,412,0002,322,999,0001,587,985,000
Research And Development Expenses———
General And Administrative Expenses545,053,000525,291,000586,398,000
Operating Expenses3,311,685,0002,938,846,0002,788,847,000
Operating Income-87,273,000-615,847,000-1,200,862,000
Net Income52,186,000-517,757,000-985,345,000
Earnings Per Share Basic0.16-1.67-3.34
Earnings Per Share Diluted0.15-1.67-3.34
Weighted Average Shares Outstanding Basic322,851,873309,857,129295,343,466
Weighted Average Shares Outstanding Diluted341,023,566309,857,129295,343,466
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Balance Sheet Statements
Fiscal Year202520242023
Cash And Cash Equivalents1,354,455,0001,013,106,000892,027,000
Marketable Securities Current———
Accounts Receivable426,177,000353,028,000199,085,000
Inventories———
Non Trade Receivables3,771,00018,263,000—
Other Assets Current———
Total Assets Current10,563,168,0009,070,070,0007,835,309,000
Marketable Securities Non Current———
Property Plant And Equipment572,637,000427,686,000290,135,000
Other Assets Non Current12,416,00011,628,00011,621,000
Total Assets Non Current591,761,000449,549,000320,306,000
Total Assets11,154,929,0009,519,619,0008,155,615,000
Accounts Payable82,820,00041,019,00028,602,000
Deferred Revenue———
Short Term Debt183,181,000328,921,000202,245,000
Other Liabilities Current———
Total Liabilities Current———
Long Term Debt7,609,663,0001,836,909,0001,764,812,000
Other Liabilities Non Current———
Total Liabilities Non Current———
Total Liabilities8,085,919,0006,787,630,0005,621,432,000
Common Stock2,0002,0002,000
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 Equity3,069,009,0002,731,989,0002,534,183,000
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Cash Flow Statements
Fiscal Year202520242023
Depreciation And Amortization225,076,000169,044,000134,634,000
Share Based Compensation Expense321,433,000344,511,000451,709,000
Other Non Cash Income Expense-13,703,00025,331,0008,825,000
Change In Accounts Receivable84,952,000167,757,00067,690,000
Change In Inventories———
Change In Non Trade Receivables———
Change In Other Assets12,175,000-31,228,00014,466,000
Change In Accounts Payable41,801,00012,417,000-5,038,000
Change In Other Liabilities-48,943,000-55,169,000-38,165,000
Cash From Operating Activities793,909,000450,138,00012,181,000
Purchases Of Marketable Securities823,886,000986,071,0001,082,147,000
Sales Of Marketable Securities1,300,000,0001,500,000,0003,700,000,000
Acquisition Of Property Plant And Equipment192,189,000159,296,000120,775,000
Acquisition Of Business0016,051,000
Other Investing Activities99,917,00034,005,000-3,706,000
Cash From Investing Activities-1,083,064,000-1,325,149,000-1,653,070,000
Tax Withholding For Share Based Compensation303,811,000189,169,00073,845,000
Payments Of Dividends———
Issuance Of Common Stock47,104,00022,922,00013,674,000
Repurchase Of Common Stock250,000,0000109,000
Issuance Of Long Term Debt21,174,242,00012,639,444,0006,894,971,000
Repayment Of Long Term Debt———
Other Financing Activities———
Cash From Financing Activities751,425,000913,149,0001,349,945,000
Change In Cash461,024,00035,455,000-290,863,000
Cash At End Of Period1,354,455,0001,013,106,000892,027,000
Income Taxes Paid2,736,0001,187,000808,000
Interest Paid404,377,000318,235,000163,191,000
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Key Metrics
Fiscal Year202520242023
Earnings Per Share0.16-1.67-3.34
Price To Earnings Ratio432.125-17.8623-4.5898
Earnings Growth Rate-109.5808-5033.0677
Price Earnings To Growth Ratio-3.94340.3572-0.1388
Book Value Per Share9.50598.81698.5805
Price To Book Ratio7.27333.38331.7866
Ebitda705,449,000-3,273,000-666,890,000
Enterprise Value28,760,367,499.2210,395,762,158.075,602,645,333.78
Dividend Yield———
Dividend Payout Ratio———
Debt To Equity Ratio2.53920.79280.7762
Capital Expenditures370,027,000306,595,000253,287,000
Free Cash Flow423,882,000143,543,000-241,106,000
Return On Equity0.017-0.1895-0.3888
One Year Beta2.42533.41453.7126
Three Year Beta3.0763.55693.3648
Five Year Beta3.08693.37143.3648
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Insider Transactions
Insider NameRelationship To IssuerTransaction DateAmount Of SecuritiesAcquired Or DisposedSecurities Owned Following Transaction
Watson Noel BertramDirector2026-05-132,000D36,076
Linford MichaelChief Operating Officer2026-05-012,336A111,907
Linford MichaelChief Operating Officer2026-05-01974D110,933
Linford MichaelChief Operating Officer2026-05-012,336D9,344
Adkins KatherineChief Legal Officer2026-05-011,401A139,943
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House Trading
Name Of Reporting PersonReport DateStateTransaction TypeTransaction DateOwner TypeAmount
Daniel Goldman2023-05-19NY10Purchase2023-04-10—$1,001 - $15,000
Thomas Suozzi2022-05-20NY03Sale2022-03-04—$1,001 - $15,000
Josh Gottheimer2022-03-18NJ05Sale2022-02-11Joint$1,001 - $15,000
Josh Gottheimer2022-01-10NJ05Sale (Partial)2021-12-28Joint$1,001 - $15,000
Josh Gottheimer2021-11-15NJ05Purchase2021-10-12Joint$1,001 - $15,000
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Institutional Holdings
Investor NamePeriod Of ReportMarket ValueAmount Of SecuritiesPrice Per Security
Evolutionary Tree Capital Management, LLC2026-03-311,125,98124,57445.82
JDM Financial Group LLC2026-03-317,65216745.8204
SOA Wealth Advisors, LLC.2026-03-311,8794145.8293
Western Wealth Management, LLC2026-03-3113,74630045.82
Royal Fund Management, LLC2026-03-31144,25117,2008.3867
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Mutual Fund Holdings
Registrant NamePeriod Of ReportFund NameFund SymbolAmount Of UnitsValue In UsdPercentage Value Compared To Assets
iSHARES TRUST2026-03-31iShares Russell 1000 Value ETFIWD258,06911,824,721.580.0169
iSHARES TRUST2026-03-31iShares Russell 1000 Growth ETFIWF659,08930,199,457.980.027
iSHARES TRUST2026-03-31iShares Russell 1000 ETFIWB194,1908,897,785.80.0208
AQR Funds2026-03-31Class R6QLERX79,1023,624,453.640.0449
AQR Funds2026-03-31Class NQLENX79,1023,624,453.640.0449
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