Affirm Holdings, Inc.
AFRMFinancial ServicesNASDAQCredit Services · Last scanned Oct 26, 2026
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Daily timeframeHeadquartered within the financial services sector, Affirm Holdings, Inc. focuses on Credit Services services and products. Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. With a market capitalization of $23.65B, it sits in large-cap territory. Its platform offers pay-over-time solutions at checkout for both consumers and merchants.
Market Cap
$23.65B
Beta
3.82
P/E (TTM)
12.67
P/E (Fwd)
13.97
EPS (TTM)
$5.53
EPS (Fwd)
$5.02
ROE
45.1%
ROA
1.9%
Cash
$1.70B
Total Debt
$10.02B
Free CF
$478.7M
52W Change
-8.3%
Annual Financials
Cash vs Debt
Where AFRM stands vs its 150-day and 200-day moving averages
As of the October 14, 2026 close, AFRM finished 14.26% above its 150-day moving average ($68.17) and 16.53% above its 200-day moving average ($66.84). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is AFRM overbought or oversold?
At the October 14, 2026 close, AFRM's RSI(14) was 70.2, in overbought territory (above 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
Affirm Holdings, Inc. carries $10.02B in total debt against $1.70B in cash reserves — debt is roughly 5.9x the cash position. Managing this leverage effectively will be important for long-term financial stability. Annual free cash flow of $478.7M supports ongoing capital allocation decisions and provides a cushion against unexpected expenses or downturns. ROE of 45.1% points to exceptionally high capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.9% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $1.59B (2023) to $4.26B (2026), reflecting a 168% increase over the period.
With a beta above 1.5, AFRM tends to amplify broader market moves — both up and down. This higher volatility means larger price swings are common. Debt significantly exceeds cash reserves, which means the company's financial flexibility could be constrained during economic downturns. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Affirm Holdings, Inc.'s trajectory.