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Q4 2026 earnings • 11:00 PM today
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AFRM:NASDAQ
Affirm Holdings Inc
$76.46
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-1.91%(-1.49) 1D
$77.25
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+1.03% (+0.79)bedtimeAfter hours
Closed: Aug 26, 4:00:01 PM GMT-4 · USD
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insights_autoGenerating top insights for AFRM...
Open
$76.96
High
$77.43
Low
$76.11
Mkt. cap
25.61B
Avg. vol.
3.16M
Volume
2.05M
P/E ratio
71.36
52-wk high
$100.00
52-wk low
$42.10
EPS
$1.07
Beta
3.71
Shares outstanding
294.36M
No. of employees
2K
Open
$76.96
High
$77.43
Low
$76.11
Mkt. cap
25.61B
Avg. vol.
3.16M
Volume
2.05M
P/E ratio
71.36
52-wk high
$100.00
52-wk low
$42.10
EPS
$1.07
Beta
3.71
Shares outstanding
294.36M
No. of employees
2K
News stories
From web sources and news partners
GuruFocus
·
2 hours ago
AFRM Looks 3.7% Overvalued on GF Value™ Heading into Q4 Earnings
Benzinga
·
5 hours ago
Marvell Technology Could Swing $20.8 Billion After Earnings
TipRanks
·
9 hours ago
Affirm Stock Earnings Outlook – Why Analysts Differ on AFRM’s Upside
Yahoo Finance
·
9 hours ago
Ahead of Affirm Earnings, Here's What Barchart Data Says Comes Next for AFRM Stock
Profile
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 financier. As of 2025, Affirm reports nearly 27 million users and processing $37 billion in annual payments.
Affirm offers unsecured installment loans at the point-of-sale through various methods. These include payment links at checkout, virtual or physical cards, and integration into third-party digital wallets and banking apps. The company generates revenue by applying a service fee to sellers, charging interest to borrowers, or both, and does not charge a late fee. Affirm also offers a savings account and a debit card. The lender says its loan underwriting involves evaluating transactions by considering credit scores and other pertinent factors, while also incorporating machine learning. Affirm's services are available in the U.S., Canada and the U.K. Wikipedia
About Affirm Holdings Inc
CEOMax Levchin
Employees2.21K
FoundedJan 1, 2012
HeadquartersSan Francisco, California, United States
SectorFinancial services
Websiteaffirm.com
Analyst ratings
Based on 22 analysts giving stock ratings to AFRM in the past 3 months
Strong buy
Buy
17
Hold
5
Sell
0
12-month forecast
Based on 22 Wall Street analysts offering 12 month price targets for AFRM in the last 3 months.
Highest
Current $76.46
$115.00 (+50.41%)
Average
$93.28 (+22.00%)
Lowest
$80.00 (+4.63%)
Analyst | Recommendation | Action | Price target | Projected | Date |
|---|---|---|---|---|---|
Adam Frisch Evercore ISI | Buy | Maintained | $90.00 | +17.7% | 08/26/2026 |
James Faucette Morgan Stanley | Hold | Reiterated | $80.00 | +4.6% | 08/26/2026 |
Darrin Peller Wolfe Research | Hold | Maintained | - | - | 08/25/2026 |
Rayna Kumar Oppenheimer | Buy | Reiterated | $100.00 | +30.8% | 08/24/2026 |
Daniel Perlin RBC Capital | Hold | Maintained | $80.00 | +4.6% | 08/23/2026 |
Vincent Caintic BTIG | Hold | Maintained | - | - | 08/21/2026 |
Rufus Hone BMO Capital | Buy | Maintained | $86.00 | +12.5% | 08/12/2026 |
Connor Allen CFA J.P. Morgan | Buy | Maintained | $90.00 | +17.7% | 08/11/2026 |
Matthew O'Neill Bank of America Securities | Buy | Maintained | $93.00 | +21.6% | 08/05/2026 |
Matthew Coad Truist Financial | Buy | Maintained | $83.00 | +8.6% | 07/28/2026 |
Arvind Ramnani Truist Financial | Buy | Reiterated | $83.00 | +8.6% | 07/24/2026 |
Ramsey El Assal Cantor Fitzgerald | Buy | Maintained | $88.00 | +15.1% | 07/22/2026 |
Harshita Rawat Bernstein | Buy | Initiated | $100.00 | +30.8% | 07/21/2026 |
David Koning Robert W. Baird | Hold | Maintained | $82.00 | +7.2% | 07/14/2026 |
Will Nance Goldman Sachs | Buy | Maintained | $106.00 | +38.6% | 07/09/2026 |
Reginald Smith J.P. Morgan | Buy | Maintained | $90.00 | +17.7% | 07/08/2026 |
Jason Kupferberg Wells Fargo | Buy | Maintained | $96.00 | +25.6% | 07/08/2026 |
Nik Cremo Barclays | Buy | Maintained | $97.00 | +26.9% | 07/08/2026 |
Bryan Keane Citi | Buy | Reiterated | $115.00 | +50.4% | 07/01/2026 |
Bill Carcache Piper Sandler | Buy | Initiated | $103.00 | +34.7% | 06/30/2026 |
Unknown Analyst Piper Sandler | Buy | Initiated | $103.00 | +34.7% | 06/30/2026 |
Nate Svensson Deutsche Bank | Buy | Maintained | $85.00 | +11.2% | 06/25/2026 |
James Friedman Susquehanna | Buy | Maintained | $105.00 | +37.3% | 06/25/2026 |
Dan Dolev Mizuho Securities | Buy | Maintained | - | - | 06/23/2026 |
Andrew Jeffrey William Blair | Buy | Maintained | - | - | 06/04/2026 |
Ken Shih DBS | Buy | Maintained | $88.00 | +15.1% | 05/21/2026 |
Moshe Orenbuch TD Cowen | Buy | Maintained | $90.00 | +17.7% | 05/13/2026 |
Chris Krueger CFA TD Cowen | Buy | Maintained | $90.00 | +17.7% | 05/13/2026 |
Kyle Peterson Needham | Buy | Reiterated | $90.00 | +17.7% | 05/13/2026 |
Timothy Chiodo UBS | Hold | Maintained | $82.00 | +7.2% | 05/11/2026 |
Andrew Bauch BMO Capital | Buy | Reiterated | $78.00 | +2% | 05/08/2026 |
Kyle Joseph Stephens | Hold | Maintained | $75.00 | -1.9% | 05/08/2026 |
Hoang Nguyen TD Cowen | Buy | Reiterated | $90.00 | +17.7% | 05/08/2026 |
Unknown Analyst BMO Capital | Buy | Initiated | $75.00 | -1.9% | 04/22/2026 |
David Scharf Citizens JMP | Buy | Maintained | $85.00 | +11.2% | 04/17/2026 |
Tristan Gerra Robert W. Baird | Hold | Initiated | $55.00 | -28.1% | 02/23/2026 |
Harry Bartlett Rothschild & Co Redburn | Buy | Maintained | $107.00 | +39.9% | 01/28/2026 |
Next call in 20:27:13
Today, 11:00 PM
Fiscal period
Q4 2026
EPS / Est. (USD)
- / $0.85
Revenue / Est. (USD)
- / 1.11B
Fiscal Q4 2026 earnings call
youtube_liveWaiting for the earnings call
At a glance: upcoming earnings
Insights from the latest news and reports
Previous reportsAll values in USD
Loading Previous Earnings...
Income statement
Revenue
Net income
- Quarterly
- Annual
All values in USD | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|
Revenue | 876.42M | 933.34M | 1.12B | 1.04B |
Cost of goods sold | 451.34M | 478.14M | 580.52M | 540.56M |
Cost of revenue | 451.34M | 478.14M | 580.52M | 540.56M |
Research and development expenses | 154.60M | 168.11M | 184.87M | 191.62M |
Total research and development expenses | - | - | - | - |
Selling, general, and admin expenses | 213.21M | 223.43M | 240.00M | 218.16M |
Operating expense | 367.81M | 391.54M | 424.88M | 409.78M |
Total operating expenses | 819.15M | 869.68M | 1.01B | 950.34M |
Operating income | 57.26M | 63.66M | 117.63M | 88.43M |
Other non operating income | 17.82M | 20.58M | 18.32M | 21.61M |
EBT including unusual items | 71.58M | 83.02M | 133.24M | 107.38M |
EBT excluding unusual items | 72.38M | 81.52M | 133.24M | 107.38M |
Income tax expense | 2.34M | 2.33M | 3.65M | 4.48M |
Effective tax rate | 3.26% | 2.80% | 2.74% | 4.17% |
Other operating expenses | - | - | - | - |
Net income | 69.24M | 80.69M | 129.59M | 102.90M |
Net profit margin | 7.90% | 8.65% | 11.54% | 9.91% |
Earnings per share | 0.53 | 0.61 | 0.72 | 0.62 |
Interest and investment income | - | - | - | - |
Interest expense | -2.70M | -2.71M | -2.71M | -2.66M |
Net interest expenses | -2.70M | -2.71M | -2.71M | -2.66M |
Depreciation and amortization charges | - | - | - | - |
EBITDA | 129.23M | 137.05M | 197.98M | 166.51M |
Gain or loss from assets sale | -116.88M | -119.05M | -185.23M | -127.20M |
Insider transactions
Insider transactions data is drawn from third-party sources. Learn more
Insider | Position | Type | Date | Shares | Amount |
|---|---|---|---|---|---|
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