Loading company financials…
Nasdaq · Personal Credit Institutions · CIK 0001820953
$72.35
-6.96% · delayed 15 min
$24.25B market value
What this company does
Affirm lends money and provides credit. It took in $1.44B last year, which makes it a mid-sized company. Of every dollar it sells, about 134 cents is left as profit.
Financial health
Generally healthy, with a few things to watch.
From Affirm Holdings, Inc.'s FY2026 annual filing · share price scored separately
Every check behind the three models, and what each one tests
Measured against FY2025, from the 10-K
Improved: +29.6%
$1.11B to $1.44B
Improved: +3597.9%
$52.2M to $1.93B
Improved: +129.0 pts
4.7% to 133.6%
It makes a profit rather than burning through money.
$1.93B earned last year
Day-to-day operations generate real cash, not just accounting profit.
$1.23B cash from operations
Sales are growing quickly.
up 29.6% on last year
Nothing in the filings stands out as a concern.
Filter by minute, hour, day or week
Loading price history…
Expectations
Not from the filings — what other people are betting on, and what the price already assumes.
Measured on and published about a week later — this is a fortnightly snapshot, not a live position.
About 4.3% of this company's shares have been borrowed and sold by people expecting to buy them back cheaper. That is a bet the price falls. Those people can be wrong, and when a heavily shorted share rises they have to buy it back, which pushes it up further.
The essentials
Each answered from the filings, with the numbers behind it.
Yes. It keeps about 134 cents of every dollar of sales as profit, earning $1.93B last year.
What it earns, what it keeps, and what it costs to run — all from the same filing
Income
This company pays no dividend. It keeps its profits and reinvests them in the business instead, so any return would have to come from the share price.
Figures from the FY2026 annual filing
Last year it earned $1.93B and generated $1.23B of cash from operations.
Insider activity, ownership stakes and what's coming — straight from EDGAR, before any article is written about it
Nothing recent
No insider trades, pending-sale notices or 5% stake filings from AFRM in the last few months. That is the ordinary case, not a gap.
Not investment advice, and not a signal to act on by itself — a filing says what happened, not why, and insiders trade for ordinary reasons having nothing to do with where they think the company is headed.
Go deeper
Every figure above traces back to one of these filings.
Straight from SEC EDGAR — the original source for every figure above
| Filing | Filed | Covers to |
|---|---|---|
| Annual report(10-K) | 2026-08-27 | 2026-06-30 |
| Major event announcement(8-K) | 2026-08-27 | 2026-08-25 |
Financial figures are from AFRM's 10-K for fiscal year 2026 (period ending 2026-06-30), reported under the US GAAP taxonomy. View the source filing.
4 of 7 checks passed
Nine yes-or-no tests of whether this year's finances improved on last year's. 2 could not be evaluated and are excluded from the total rather than counted as failures.
not reported — Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Distance from bankruptcy, from a model fitted on companies that did and did not go bust. It describes a balance sheet's shape today; it does not forecast a failure.
not reported — Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
Screens eight accounting ratios for the pattern earnings manipulators tend to leave. A flag is a reason to read the filing closely, never evidence of wrongdoing.
Every figure above comes from the FY2026 filing as filed with the SEC.
Improved: +65.0%
$601.7M to $992.6M
Deteriorated: +28.7%
$7.61B to $9.79B
Improved: +20.3%
$1.35B to $1.63B
Deteriorated: +3.8%
322.9M to 335.2M
Changed: +24.0%
$192.2M to $238.3M
Figures compare the two most recent annual filings — read the latest one. Nothing here reads the management commentary, which is where a company explains its own numbers.
Collected by FINRA from broker-dealers twice a month. It counts positions, not intentions, and some of it is hedging rather than a directional bet against the company.
Nothing in this section is a figure this company reported about itself. These are expectations and positions — what the price implies, what analysts have published, what short sellers are betting, and what large funds held at the last count. WylthIQ reports them; it does not endorse them, does not forecast prices, and takes no view on whether any of them will turn out to be right.
Yes, quickly. Sales grew 29.6% last year.
For every $1 it owes, it owns $1.53 in assets. Banks and insurers always carry high debt — that is how lending works — so this is normal for the industry and not comparable with other sectors. Its operating profit does not cover its interest bill — 0.92x against the interest it owes.
On the cheaper side. Investors pay $12.6 for every $1 of yearly profit.
Not meaningful for banks, insurers and other financial companies. Their balance sheets have no working capital and are leveraged by design, which this model misreads as distress.
At a glance
Reported annual figures
| Major event announcement(8-K) | 2026-06-25 | 2026-06-18 |
| Quarterly report(10-Q) | 2026-05-07 | 2026-03-31 |
| Major event announcement(8-K) | 2026-05-07 | 2026-05-07 |
| Quarterly report(10-Q) | 2026-02-05 | 2025-12-31 |
| Major event announcement(8-K) | 2026-02-05 | 2026-02-05 |
| Major event announcement(8-K) | 2026-01-16 | 2026-01-13 |
| Major event announcement(8-K) | 2025-12-18 | 2025-12-15 |
| Quarterly report(10-Q) | 2025-11-06 | 2025-09-30 |
| Major event announcement(8-K) | 2025-11-06 | 2025-11-02 |
| Shareholder voting information(DEF 14A) | 2025-10-24 | 2025-06-30 |
| Major event announcement(8-K) | 2025-09-22 | 2025-09-18 |
| Annual report(10-K) | 2025-08-28 | 2025-06-30 |
| Major event announcement(8-K) | 2025-08-28 | 2025-08-28 |
| Major event announcement(8-K) | 2025-06-26 | 2025-06-25 |
| Major event announcement(8-K) | 2025-06-12 | 2025-06-09 |
| Shareholder voting information(DEF 14A) | 2025-05-12 | 2025-05-12 |
| Quarterly report(10-Q) | 2025-05-09 | 2025-03-31 |
| Major event announcement(8-K) | 2025-05-08 | 2025-05-08 |
Coverage from the last 30 days
Consumer Pressure Rises, but So Does Demand for Affirm's Services
Yahoo Finance ·
Affirm (AFRM) Stock Gets Fair Value Boost After Analysts Back Growth Roadmap
Yahoo Finance ·
Affirm CEO delivers bad news for U.S. consumers as demand spikes
Yahoo Finance ·
BofA tells investors to consider buying hidden-value fintech stock
Yahoo Finance ·
How Affirm leverages 0% interest
Yahoo Finance ·
Affirm’s (AFRM) Next Chapter Bets Big On The Card
Yahoo Finance ·
Affirm Stock Falls 6% on the Day Bernstein Raises Target
Yahoo Finance ·
Affirm Q4 Earnings Beat on Strong GMV Growth, Rising Card Adoption
Yahoo Finance ·
Affirm Drops 4% as Post-Earnings Rally Unwinds Despite 36% GMV Growth
Yahoo Finance ·
Affirm (AFRM) Q4 2026 Earnings Call Transcript
Yahoo Finance ·
What Affirm’s (AFRM) Blowout Quarter and Cautious CEO Say About the Consumer
Yahoo Finance ·
Is SoFi's Product Flywheel Gaining Enough Traction to Lift SOFI Stock?
Yahoo Finance ·
Primary sources and further research