Affirm Holdings, Inc.
AFRMFinancial ServicesNASDAQCredit Services
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Daily timeframePart of the financial services sector, Affirm Holdings, Inc. (AFRM) is listed under Credit Services. The $24.32B market capitalization puts AFRM squarely in large-cap range for its industry. Its platform offers pay-over-time solutions at checkout for both consumers and merchants.
Market Cap
$24.32B
Beta
3.61
P/E (TTM)
13.03
P/E (Fwd)
14.68
EPS (TTM)
$5.53
EPS (Fwd)
$4.91
ROE
45.1%
ROA
1.9%
Cash
$1.70B
Total Debt
$10.02B
Free CF
$478.7M
52W Change
-14.8%
Annual Financials
Cash vs Debt
Where AFRM stands vs its 150-day and 200-day moving averages
As of the September 3, 2026 close, AFRM finished 14.62% above its 150-day moving average ($64.64) and 11.46% above its 200-day moving average ($66.47). 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 September 3, 2026 close, AFRM's RSI(14) was 42.7, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
On the balance sheet, AFRM has $1.70B in cash with $10.02B in obligations. The ability to service this debt comfortably depends on continued operational cash generation. Free cash flow comes in at $478.7M, providing flexibility for reinvestment, buybacks, or dividends. Consistent free cash flow generation is often considered a sign of operational health. Return on equity stands at 45.1%, which is exceptionally high for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. 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.
A beta of 3.61 means AFRM is more volatile than average. Investors should be prepared for wider price swings relative to broader indices. Debt significantly exceeds cash reserves, which means the company's financial flexibility could be constrained during economic downturns. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing AFRM.