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Q1 2027 earnings • released • EPS miss -17.56% • Revenue beat +4.24%
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AFRM:NASDAQ
Affirm Holdings Inc
$67.72
-2.78%
(-1.94) 1D
Nov 6, 10:31:56 AM GMT-5  ·   USD
All symbols
SymbolPriceChange% Change
Generating top insights for AFRM...
Open
$66.05
High
$71.78
Low
$66.02
Mkt. cap
23.04B
Avg. vol.
3.78M
Volume
3.62M
P/E ratio
12.28
52-wk high
$90.44
52-wk low
$42.10
EPS
$5.53
Beta
3.74
Shares outstanding
298.48M
No. of employees
2K
Open
$66.05
High
$71.78
Low
$66.02
Mkt. cap
23.04B
Avg. vol.
3.78M
Volume
3.62M
P/E ratio
12.28
52-wk high
$90.44
52-wk low
$42.10
EPS
$5.53
Beta
3.74
Shares outstanding
298.48M
No. of employees
2K
News stories
From web sources and news partners
Profile
Affirm Holdings, Inc. is an American financial technology company and a point-of-sale lender. Founded in 2012 by PayPal co-founder Max Levchin, it is the largest U.S. based buy now, pay later financier. As of 2026, Affirm reports nearly 28 million users and processes $50 billion in annual payments. Affirm offers unsecured installment loans at the point-of-sale through various methods. These include payment links at checkout, virtual or physical cards, and integration into third-party digital wallets and banking apps. The company generates revenue by applying a service fee to sellers, charging interest to borrowers, or both, and does not charge a late fee. Affirm also offers a savings account and a debit card. The lender says its loan underwriting involves evaluating transactions by considering credit scores and other pertinent factors, while also incorporating machine learning. Affirm's services are available in the U.S., Canada, the U.K and Australia. Wikipedia
About Affirm Holdings Inc
CEOMax Levchin
Employees2.36K
FoundedJan 1, 2012
HeadquartersSan Francisco, California, United States
SectorFinancials
Industry-
Websiteaffirm.com
Analyst ratings
Based on 30 analysts giving stock ratings to AFRM in the past 3 months
Strong buy
Buy
25
Hold
5
Sell
0
12-month forecast
Based on 30 Wall Street analysts offering 12 month price targets for AFRM in the last 3 months.
Highest
Current $67.72
$115.00 (+69.82%)
Average
$98.93 (+46.09%)
Lowest
$79.00 (+16.66%)
Analyst
Recommendation
Action
Price target
Projected
Date
James Faucette
Morgan Stanley
Hold
Reiterated
$79.00
+16.7%
11/06/2026
James Friedman
Susquehanna
Buy
Maintained
$110.00
+62.4%
11/05/2026
Bill Carcache
Piper Sandler
Buy
Reiterated
$105.00
+55.1%
11/06/2026
Kyle Joseph
Stephens
Hold
Reiterated
$80.00
+18.1%
11/06/2026
Matthew O'Neill
Bank of America Securities
Buy
Reiterated
$109.00
+61%
11/06/2026
Nik Cremo
Barclays
Buy
Maintained
$100.00
+47.7%
11/06/2026
Bryan Keane
Citi
Buy
Maintained
$115.00
+69.8%
11/06/2026
Will Nance
Goldman Sachs
Buy
Reiterated
$98.00
+44.7%
11/06/2026
Timothy Chiodo
UBS
Hold
Maintained
$90.00
+32.9%
11/06/2026
Daniel Perlin
RBC Capital
Hold
Maintained
$83.00
+22.6%
11/05/2026
Lance Jessurun
Scotiabank
Buy
Maintained
$97.00
+43.2%
11/06/2026
Andrew Bauch
BMO Capital
Buy
Reiterated
$104.00
+53.6%
11/06/2026
Adam Frisch
Evercore ISI
Buy
Maintained
$105.00
+55.1%
11/05/2026
Connor Allen CFA
J.P. Morgan
Buy
Reiterated
$105.00
+55.1%
11/02/2026
Gustavo Gala
Monness
Buy
Initiated
$90.00
+32.9%
10/26/2026
Matthew Coad
Truist Financial
Buy
Maintained
$88.00
+29.9%
10/23/2026
Jason Kupferberg
Wells Fargo
Buy
Maintained
$96.00
+41.8%
10/13/2026
Moshe Orenbuch
TD Cowen
Buy
Maintained
$110.00
+62.4%
10/06/2026
Lemar Clarke
Freedom Capital Markets
Buy
Reiterated
$105.00
+55.1%
10/01/2026
Nate Svensson
Deutsche Bank
Buy
Maintained
$100.00
+47.7%
09/25/2026
Manyi Lu
DBS
Buy
Maintained
$95.00
+40.3%
09/14/2026
Darrin Peller
Wolfe Research
Buy
Upgraded
$90.00
+32.9%
09/14/2026
Unknown Analyst
Loop Capital Markets
Buy
Initiated
$105.00
+55.1%
09/08/2026
Reginald Smith
Loop Capital Markets
Buy
Initiated
$105.00
+55.1%
09/08/2026
Dan Dolev
Mizuho Securities
Buy
Reiterated
$100.00
+47.7%
09/03/2026
Terry Tillman
Truist Financial
Buy
Maintained
$85.00
+25.5%
09/03/2026
Unknown Analyst
Scotiabank
Buy
Initiated
$95.00
+40.3%
09/02/2026
Ramsey El Assal
Cantor Fitzgerald
Buy
Maintained
$97.00
+43.2%
08/31/2026
Rayna Kumar
Oppenheimer
Buy
Reiterated
$104.00
+53.6%
08/31/2026
Andrew Jeffrey
William Blair
Buy
Maintained
-
-
08/28/2026
Kyle Peterson
Needham
Buy
Reiterated
$100.00
+47.7%
08/28/2026
Vincent Caintic
BTIG
Hold
Maintained
-
-
08/27/2026
Harshita Rawat
Bernstein
Buy
Reiterated
$110.00
+62.4%
08/28/2026
Rufus Hone
BMO Capital
Buy
Maintained
$86.00
+27%
08/12/2026
Arvind Ramnani
Truist Financial
Buy
Reiterated
$83.00
+22.6%
07/24/2026
David Koning
Robert W. Baird
Hold
Maintained
$82.00
+21.1%
07/14/2026
Unknown Analyst
Piper Sandler
Buy
Initiated
$103.00
+52.1%
06/30/2026
Ken Shih
DBS
Buy
Maintained
$88.00
+29.9%
05/21/2026
Chris Krueger CFA
TD Cowen
Buy
Maintained
$90.00
+32.9%
05/13/2026
Hoang Nguyen
TD Cowen
Buy
Reiterated
$90.00
+32.9%
05/08/2026
Unknown Analyst
BMO Capital
Buy
Initiated
$75.00
+10.8%
04/22/2026
David Scharf
Citizens JMP
Buy
Maintained
$85.00
+25.5%
04/17/2026
Tristan Gerra
Robert W. Baird
Hold
Initiated
$55.00
-18.8%
02/23/2026
Harry Bartlett
Rothschild & Co Redburn
Buy
Maintained
$107.00
+58%
01/28/2026
Last report
Nov 5, 2026
Fiscal period
Q1 2027
$0.71 / $0.86
-17.56%miss
Revenue / Est. (USD)
1.26B / 1.21B
+4.24%beat
Fiscal Q1 2027 earnings call
Waiting for the earnings call
At a glance
Insights from the latest news and reports
Previous reportsAll values in USD
Loading Previous Earnings...
Revenue
Net income
All values in USD
Sep 2025
Dec 2025
Mar 2026
Jun 2026
Revenue
933.34M
1.12B
1.04B
1.17B
Cost of goods sold
478.14M
580.52M
540.56M
576.90M
Cost of revenue
478.14M
580.52M
540.56M
576.90M
Research and development expenses
168.11M
184.87M
191.62M
202.55M
Total research and development expenses
-
-
-
-
Selling, general, and admin expenses
223.43M
240.00M
218.16M
239.25M
Operating expense
391.54M
424.88M
409.78M
441.80M
Total operating expenses
869.68M
1.01B
950.34M
1.02B
Operating income
63.66M
117.63M
88.43M
147.26M
Other non operating income
20.58M
18.32M
21.61M
24.52M
EBT including unusual items
83.02M
133.24M
107.38M
169.09M
EBT excluding unusual items
81.52M
133.24M
107.38M
169.09M
Income tax expense
2.33M
3.65M
4.48M
-1.45B
Effective tax rate
2.80%
2.74%
4.17%
-856.05%
Other operating expenses
-
-
-
-
Net income
80.69M
129.59M
102.90M
1.62B
Net profit margin
8.65%
11.54%
9.91%
138.65%
Earnings per share
0.61
0.72
0.62
4.97
Interest and investment income
-
-
-
-
Interest expense
-2.71M
-2.71M
-2.66M
-2.69M
Net interest expenses
-2.71M
-2.71M
-2.66M
-2.69M
Depreciation and amortization charges
-
-
-
-
EBITDA
137.05M
197.98M
166.51M
237.66M
Gain or loss from assets sale
-119.05M
-185.23M
-127.20M
-165.07M
Insider transactions
Insider transactions data is drawn from third-party sources. Learn more
Insider
Position
Type
Date
Shares
Amount
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