Affirm Holdings, Inc.
AFRM
Key stats
- Open
- 66.42
- Day high
- 66.80
- Day low
- 65.25
- Previous close
- 67.84
- Volume
- 2.90M
- VWAP
- 65.78
- 52-week high
- 90.44
- 52-week low
- 42.10
- Market cap
- 23.00B
- Shares out
- 298.39M
- Employees
- 2,358
- Listed
- 2021
About Affirm Holdings, Inc.
Founded in 2012, Affirm is a market leader in the buy now, pay later space with around $36 billion in transaction volume in fiscal 2025. Affirm offers both zero-interest financing, which is merchant-subsidized, and interest-bearing loans, which function as personal loans that are approved on a per-transaction basis. Over 70% of Affirm's transaction volume comes from its interest-bearing loans, which also constitute the majority of its revenue. Affirm primarily operates in the United States, which accounted for more than 95% of its revenue in 2025, but it has also expanded to Canada and the United Kingdom.
PERSONAL CREDIT INSTITUTIONS · SAN FRANCISCO, CA · affirm.com
Options · expiring Nov 13
Nov 12, 4:00 PM ET- Call open interest
- 4.3K
- Put open interest
- 6.0K
- Put/call
- 1.39
- At-the-money IV
- 45.6%
| Contract | Last | Traded | Volume | Open int. | IV |
|---|---|---|---|---|---|
| 63 put | 0.24 | Nov 12, 3:04 PM | 360 | 216 | 89.9% |
| 62 put | 0.06 | Nov 12, 3:54 PM | 249 | 137 | 86.2% |
| 60 put | 0.04 | Nov 12, 3:54 PM | 223 | 591 | 98.6% |
| 64 put | 0.38 | Nov 12, 2:50 PM | 201 | 288 | 85.6% |
| 71 call | 0.05 | Nov 12, 3:54 PM | 174 | 226 | 68.2% |
| 73 put | 6.75 | Nov 12, 3:25 PM | 114 | 60 | 193.7% |
Quarterly results
Massive · Nov 5, 2026| Q1 2027 to Sep 30, 2026 | Q4 2026 to Jun 30, 2026 | Q3 2026 to Mar 31, 2026 | Q2 2026 to Dec 31, 2025 | |
|---|---|---|---|---|
| Revenue | $393.42M | $387.54M | $334.49M | $401.42M |
| Gross profit | $393.42M | $387.54M | $334.49M | $401.42M |
| Operating income | −$547.37M | −$748.23M | −$434.12M | −$492.26M |
| Net income | $164.17M | $1.62B | $102.90M | $129.59M |
| Diluted EPS | 0.47 | 4.62 | 0.30 | 0.37 |
| Operating cash flow | $207.08M | $296.16M | $386.50M | $173.74M |
| Assets | $16.48B | $15.79B | $13.14B | $12.96B |
| Liabilities | $10.73B | $10.31B | $9.36B | $9.41B |
| Equity | $5.75B | $5.48B | $3.78B | $3.55B |
Technicals
Massive · Nov 12, 2026- 50-day average71.97
- 200-day average66.47
- RSI (14 days)39.4
Short interest
Massive · Oct 30, 2026- Oct 30, 202617.51M shares · 6.2 days to cover
- Oct 15, 202617.35M shares · 4.1 days to cover
- Sep 30, 202617.88M shares · 4.4 days to cover
- Sep 15, 202616.28M shares · 3.6 days to cover
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