AFRM

Affirm Holdings, Inc.
NasdaqGSUSDEQUITY Financial Services DELAYED
Last price
74.70
▼ 0.05 (0.07%)
MARKET · —

Price

1D — H — L — Range — Vol —
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
74.93
Prev close
74.75
Day high
76.50
Day low
74.08
Volume
2.80M
Market cap
$25.27B
P/E (TTM)
13.52
52W range
42.10 – 90.44

Day trading desk

Current session · delayed
Gap from prior close
+0.24%
Prior close 74.75
VWAP
75.04
-0.46% from price
Relative volume
1.22×
Normal
Session range
4.09%
74.08 – 77.11
Position in range
20%
Near session low
ATR (14D)
3.25
4.35% of price
Prior day high
74.93
PDH
Prior day low
70.25
PDL
Bid / ask spread
—
Quote not published
Session volume
5.16M
Avg 4.24M

VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.

Trailing performance

Price return · vs SPY
Returnvs SPY
1W
+8.05% +6.1%
1M
+3.50% +2.3%
3M
-7.87% -12.4%
6M
+57.97% +39.8%
YTD
+0.60% -13.6%
1Y
+0.07% -16.4%
3Y
+252.05% +169.8%
5Y
— —

Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.

Unusual options activity

Account required
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
Free account required

Contracts trading at or above their open interest, ranked by notional and where the print landed.

Free account

5 more panels on AFRM open with an account.

Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.

Insider net activity

6m · Form 4 rollup
Net shares
+121.76K
Net buying
Buy transactions
27
463.92K shares
Sell transactions
9
342.16K shares
Net transactions
+36
Buys less sells
Sell : buy shares
0.7 : 1
Mixed
Insider-held shares
14.56M
Total on file
Bought 463.92KSold 342.16K

Insider transactions

Account required
DateInsiderAction SharesValueHeld
Sep 14, 26
JIYANE SIPHELELE N
Officer
SELL 26.98K $1.95M Direct
Sep 4, 26
JIYANE SIPHELELE N
Officer
SELL 25.00K $1.81M Direct
Sep 3, 26
ADKINS KATHERINE ELIZABETH
Officer
CONVERSION 93.92K $1.90M Direct
Sep 3, 26
ADKINS KATHERINE ELIZABETH
Officer
SELL 83.33K $6.09M Direct
Sep 2, 26
O'HARE ROBERT WARREN
Chief Financial Officer
SELL 21.63K $1.56M Direct
Sep 1, 26
O'HARE ROBERT WARREN
Chief Financial Officer
— 11.99K — Direct
Sep 1, 26
JIYANE SIPHELELE N
Officer
— 9.04K — Direct
Sep 1, 26
LINFORD MICHAEL ALAN
President
— 11.72K — Direct
Sep 1, 26
MICHALEK LIBOR
President
— 11.36K — Direct
Aug 28, 26
LINFORD MICHAEL ALAN
Chief Operating Officer
CONVERSION 79.22K $426.99K Direct
Aug 28, 26
LINFORD MICHAEL ALAN
Chief Operating Officer
SELL 79.22K $7.13M Direct
Aug 12, 26
WATSON NOEL BERTRAM JR
Director
SELL 2.00K $155.72K Direct
Jul 31, 26
ADKINS KATHERINE ELIZABETH
Officer
— 1.40K — Direct
Jul 31, 26
LINFORD MICHAEL ALAN
Chief Operating Officer
— 2.33K — Direct
What this is, and what it is not

These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.

A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.

This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.

Free account required

Officer and director trades in their own stock, straight from Form 4 filings.

Insider holders

10 reporting
NameRelationShares heldLatest
ADKINS KATHERINE ELIZABETH
Officer 152.44K Conversion of Exercise of derivative security
JIYANE SIPHELELE N
Officer 188.71K Sale
LEVCHIN MAKSIM RAFAEL
Chief Executive Officer 735.29K Conversion of Exercise of derivative security
LIEW JEREMY
Director 316.63K Stock Award(Grant)
LINFORD MICHAEL ALAN
President 127.77K Conversion of Exercise of derivative security
MICHALEK LIBOR
President 1.10M Conversion of Exercise of derivative security
QUARLES CHRISTA S.
Director 69.32K Stock Award(Grant)
RESES JACQUELINE D
Director 49.46K Stock Award(Grant)
SANCHEZ RODRIQUEZ MANUEL
Director 40.17K Stock Award(Grant)
WATSON NOEL BERTRAM JR
Director 34.08K Sale

Fundamentals

TTM · reported
Market cap$25.27B
Enterprise value$33.59B
Revenue (TTM)$4.26B
Gross profit$2.08B
EBITDA$739.19M
Net income$1.93B
EPS (TTM)$5.54
Free cash flow$478.68M
Total cash$1.70B
Total debt$10.02B
Book value / share$16.26
Shares outstanding296.88M
Float283.82M
Short % of float5.53%
Dividend yield0.00%
Beta (5Y)3.82

Valuation & profitability ratios

Account required
Trailing P/E13.52
Forward P/E15.51
PEG ratio9.07
Price / sales—
Price / book4.60
EV / revenue7.88
EV / EBITDA45.44
Gross margin48.93%
Operating margin12.63%
Profit margin45.29%
Return on equity45.13%
Return on assets1.93%
Debt / equity182.77
Current ratio11.98
Free account required

Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.

Financial statements

As reported · 5 years · 6 quarters
Blank means not reported, not zero
Line item20262025202420232022YoY
Total revenue $4.26B$3.22B$2.32B$1.59B— +32.2%
Operating revenue $4.26B$3.22B$2.32B$1.59B— +32.2%
Cost of revenue $1.36B$1.05B$845.11M$873.16M— +29.9%
Gross profit $2.90B$2.18B$1.48B$714.82M— +33.2%
Selling, general & admin $920.84M$979.90M$1.10B$1.22B— -6.0%
Total operating expense $2.03B$1.84B$1.74B$1.70B— +10.4%
Operating income $870.99M$337.99M-$264.83M-$981.98M— +157.7%
Net interest income -$454.02M-$425.45M-$344.25M-$183.01M— -6.7%
Pre-tax income $492.73M$61.46M-$515.53M-$989.25M— +701.7%
Tax provision -$1.44B$9.28M$2.23M-$3.90M— -15,587.3%
Net income $1.93B$52.19M-$517.76M-$985.35M— +3,597.9%
Net income to common $1.93B$52.19M-$517.76M-$985.35M— +3,597.9%
Basic EPS —0.16-1.67-3.34-2.51 —
Diluted EPS —0.15-1.67-3.34-2.51 —
EBIT $946.74M$486.92M-$171.27M-$806.23M— +94.4%
EBITDA $1.25B$711.99M-$2.23M-$671.60M— +75.6%
Basic shares —322.85M309.86M295.34M281.70M —
Diluted shares —341.02M309.86M295.34M281.70M —

Options analytics

Account required
Put / call volume
0.82
Call-heavy session
Put / call open interest
0.71
Positioning, not flow
Max pain
72.00
-3.8% from spot
ATM implied vol
58.8%
Nearest strike to spot
Skew (10% OTM)
+0.8%
Puts bid over calls
Call volume
3.78K
Contracts, this expiry
Put volume
3.08K
Contracts, this expiry
Heaviest call OI
77.00
1.31K contracts
Heaviest put OI
60.00
915 contracts

Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.

Free account required

Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.

Earnings

History & consensus estimates
Reported vs expected · EPS
QuarterEst.ActualSurprise
Jun 2026 0.854.97 +486.3%
Mar 2026 0.730.62 -15.0%
Dec 2025 0.840.72 -13.9%
Sep 2025 0.620.61 -1.3%
Forward consensus
PeriodEPSAnalystsRevenueGrowth
Current quarter 0.83 6 $1.21B +29.5%
Next quarter 1.06 6 $1.43B +27.2%
Current year 3.83 7 $5.48B +28.6%
Next year 4.83 7 $6.84B +24.9%

Analyst targets & ownership

Account required
Mean target$98.66
High target$115.00
Low target$66.00
Implied upside32.08%
Analyst count32
ConsensusBUY
Strong buy / Buy6 / 21
Hold7
Sell / Strong sell0 / 0
Held by insiders4.32%
Held by institutions88.81%
Institutions holding908
Free account required

Price targets, consensus spread, insider and institutional ownership.

Moving averages & technicals

Computed from 2Y daily closes
SMA 10
70.77
+5.54% from price
SMA 20
70.83
+5.71% from price
SMA 50
73.43
+1.97% from price
SMA 100
73.50
+1.62% from price
SMA 200
66.80
+12.09% from price
EMA 12
71.63
+4.28% from price
EMA 26
71.95
+3.82% from price
EMA 50
72.59
+2.89% from price
RSI (14)
56.6
Neutral
MACD (12,26,9)
-0.32
Hist 0.64
ATR (14)
3.25
4.34% of price
Realised vol 30D
51.2%
Annualised
Bollinger upper
74.94
20, 2σ
Bollinger lower
66.73
20, 2σ
50 / 200 cross
Golden
73.43 vs 66.80
Trend bias
Above 200
+12.09%

Options chain

Account required
Expiry
Spot 74.70
Calls
StrikeLastBidAskVolOIIV
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
Puts
StrikeLastBidAskVolOIIV
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
Free account required

Every listed expiry, both sides of the book, with volume, open interest and implied volatility.

Risk profile

Daily returns · 1Y window
Beta vs SPY
2.54
More volatile than market
Correlation to SPY
0.56
Loosely linked
Realised vol 30D
51.2%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-48.8%
Peak to trough
Max drawdown 5Y
-94.7%
Peak to trough
ATR 14
3.25
4.34% of price
Beta (reported)
3.82
5Y monthly, from filing

Short interest

Semi-monthly exchange report · lags by ~2 weeks
Shares short
16.28M
Prior 14.46M
Change vs prior
+12.6%
Shorts adding
% of float
5.53%
Normal
% of shares out
4.83%
Against total outstanding
Days to cover
2.9
Liquid
Float
283.82M
Freely tradeable shares

Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.

Rating changes

320 on file
DateFirm ActionFromTo
Oct 6, 26 TD Cowen MAINTAINED Buy Buy
Oct 1, 26 Freedom Capital Markets MAINTAINED Buy Buy
Sep 16, 26 Citizens MAINTAINED Market Outperform Market Outperform
Sep 14, 26 Wolfe Research UPGRADE Peer Perform Outperform
Sep 9, 26 Loop Capital INITIATED — Buy
Sep 3, 26 Truist Securities MAINTAINED Buy Buy
Sep 2, 26 Scotiabank INITIATED — Sector Outperform
Aug 31, 26 Goldman Sachs MAINTAINED Buy Buy
Aug 31, 26 Bernstein MAINTAINED Outperform Outperform
Aug 31, 26 Cantor Fitzgerald MAINTAINED Overweight Overweight
Aug 28, 26 UBS MAINTAINED Neutral Neutral
Aug 28, 26 TD Cowen MAINTAINED Buy Buy

Dividends & splits

Declared · from the issuer
Forward rate—
Forward yield0.00%
5-year avg yield—
Payout ratio0.00%
Ex-dividend date—
Next pay date—
Last split—
Split date—

PRIVATE STRATEGY · BY QUALIFICATION

The same data. A different seat.

The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.