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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| AFRM | -5.38% | -42.56% | -10.49% | -39% |
| S&P | +12.16% | +74.91% | +11.82% | +78% |
Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce. Its platform consists of three core elements: a point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. The company was founded by Max R. Levchin in 2012 and is headquartered in San Francisco, CA.
This fintech has momentum heading into 2026 with some clear catalysts to send the stock even higher.
| Q4 2025 | YOY Change | |
|---|---|---|
| Revenue | $1.03B | 29.0% |
| Gross Profit | $792.78M | 26.8% |
| Gross Margin | 77.20% | -1.3% |
| Market Cap | $24.57B | 28.5% |
| Market Cap / Employee | $11.14M | 0.0% |
| Employees | 2.2K | 10.0% |
| Net Income | $129.59M | 61.3% |
| EBITDA | $518.88M | 65.3% |
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| Q4 2025 | YOY Change | |
|---|---|---|
| Net Cash | $2.09B | 20.6% |
| Inventory | 0 | 0.0% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $9.04B | 29.4% |
| Short Term Debt | $8.13M | -97.7% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 2.41% | 4.4% |
| Return On Invested Capital | -7.75% | 5.3% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $118.32M | -55.9% |
| Operating Free Cash Flow | $174.02M | -44.2% |
| Metric | Q2 2025 | Q3 2025 | YoY Change | ||
|---|---|---|---|---|---|
| Price to Earnings | 539.73 | 108.30 | - | ||
| Price to Book | 5.12 | 7.76 | 7.74 | 7.45 | 10.43% |
| Price to Sales | 8.14 | 5.60 | 7.94 | 7.95 | 42.38% |
| Price to Tangible Book Value | 6.34 | 9.53 | 9.42 | 8.91 | 6.52% |
| Price to Free Cash Flow TTM | 33.32 | 24.46 | 39.36 | 33.07 | -1.50% |
| Enterprise Value to EBITDA | 86.12 | 53.12 | 72.15 | 58.79 | 4.05% |
| Free Cash Flow Yield | 3.0% | 4.1% | 2.5% | 3.0% | 1.52% |
| Return on Equity | -2.3% | 1.8% | 7.6% | 8.9% | -221.48% |
| Total Debt | $7.18B | $7.64B | $7.76B | $9.05B | 23.34% |
Earnings season isn't over yet.
Discussing Affirm's latest partnership announcement and its 44% stock increase.
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Here's a roundup of some current and future IPOs that have caught our attention.
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