Stock analysis, trade plans, and proprietary indicators by Trend Edge.
Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. Its platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. The company's commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time. Read full Trend Edge analysis →
| Current Price | $69.27 |
|---|---|
| Market Cap | $22.48B |
| Float | 281.3M |
| Shares Outstanding | 294.4M |
| P/E (Forward) | 30.86 |
| P/E (TTM) | 61.02 |
| Price/Sales (TTM) | 5.66 |
| vs. Analyst Target | +19.8% to analyst PT |
| Profit Margin | 9.63% |
| Operating Margin (TTM) | 8.51% |
| Revenue (TTM) | $3.97B |
| Earnings Growth (YoY) | 3529.30% |
| Dividend Rate | None |
| Analyst Target Price | $82.97 (24 analysts) |
| Year | Revenue | Net Income | Gross Profit | EBITDA |
|---|---|---|---|---|
| 2020 | $510M | -$113M | $337M | -$70.5M |
| 2021 | $870M | -$441M | $548M | -$371M |
| 2022 | $1.35B | -$707M | $773M | -$602M |
| 2023 | $1.59B | -$985M | $715M | -$672M |
| 2024 | $2.32B | -$518M | $1.48B | -$2.2M |
| 2025 | $3.22B | $52.2M | $2.18B | $712M |
| Quarter | Revenue | Net Income |
|---|---|---|
| Jun 2025 | $876M | $69.2M |
| Sep 2025 | $933M | $80.7M |
| Dec 2025 | $1.12B | $130M |
| Mar 2026 | $1.04B | $103M |
| Insider Ownership | 4.3% |
|---|---|
| Institutional Ownership | 86.9% |
| Short Float | 6.8% |
| % of All Funds Holding | 6.78% |
| Number of Funds Holding | 557 |
Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.
| Timeframe | SMA | Value | Trend Context |
|---|---|---|---|
| Weekly | 10-Week SMA | $59.75 | Near-term / short-term trend |
| Weekly | 40-Week SMA | $66.55 | Medium-term trend |
| Weekly | 80-Week SMA | $63.62 | Cyclical trend (business cycle) |
| Weekly | 200-Week SMA | $40.80 | Secular trend (multi-year) |
| Monthly | 10-Month SMA | $66.55 | Near-term monthly trend |
| Monthly | 20-Month SMA | $62.50 | Medium-term monthly trend |
| Monthly | 40-Month SMA | $44.93 | Secular monthly trend |
Trend Edge identifies volume shelves: price zones where historically elevated trading volume creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.
| Price Level | Type | Volume Ratio | Age |
|---|---|---|---|
| $45.00 | support | 1.40x | 17 months ago |
| Timeframe | Avg Return | Median | Win Rate | Best | Worst |
|---|---|---|---|---|---|
| Gap | 3.79% | 1.80% | 54.55% | 37.64% | -15.42% |
| 1 Day | 3.40% | -1.57% | 45.45% | 34.37% | -22.63% |
| 1 Week | 2.97% | 1.69% | 50.00% | 58.29% | -36.38% |
| 2 Weeks | 5.74% | -2.79% | 45.45% | 70.67% | -34.68% |
| 1 Month | 4.10% | 3.10% | 52.38% | 81.62% | -43.18% |
Next earnings: July 26, 2026 (59 days away)
Insufficient historical data for monthly seasonality analysis (requires 7+ years of data).
| Day | Avg Return | Win Rate | Samples |
|---|---|---|---|
| Monday | 0.60% | 51.8% | 249 |
| Tuesday | 0.07% | 48.9% | 278 |
| Wednesday | 0.03% | 52.2% | 276 |
| Thursday | -0.01% | 49.6% | 270 |
| Friday | 0.09% | 44.5% | 272 |
Institutional holder breakdown coming soon.
Total institutional ownership: 86.9%
Total insider ownership: 4.3%
Founder-led management: Max Levchin (Founder, CEO & Chairman)
| Total Filings | 26 |
|---|---|
| Net Value | -$111M |
| Net Shares Change | -83,585 |
| % of Float | -0.0% |
| C-Suite Filings | 21 |
| Clusters Detected | 2 |
| Name | Title | Net Value | Filings | Activity |
|---|---|---|---|---|
| Jiyane Siphelele | Chief Accounting Officer | -$7.1M | 4 | 2 sell |
| Adkins Katherine | Chief Legal Officer | -$3.3M | 1 | N/A |
| Quarles Christa S | -$1.4M | 1 | N/A | |
| O'Hare Robert | Chief Financial Officer | -$573,230 | 1 | N/A |
| Watson Noel Bertram | -$392,147.25 | 3 | N/A |
| Period | Filings | Insiders | Net Value | Seniority |
|---|---|---|---|---|
| 2025-07-03 – 2025-07-09 | 3 | 3 | -$4.6M | 2 C-suite |
| 2025-08-20 – 2025-09-03 | 11 | 6 | -$50.1M | 10 C-suite |
| Date | Insider | Title | Net Value | Price After |
|---|---|---|---|---|
| 2025-09-15 | Jiyane Siphelele | Chief Accounting Officer | -$1.1M | Transaction at $85.42, now -18.9% |
| 2025-09-08 | Jiyane Siphelele | Chief Accounting Officer | -$2.2M | Transaction at $47.01, now +47.4% |
| 2026-05-14 | Watson Noel Bertram | -$130,000 | Transaction at $65.00, now +6.6% | |
| 2025-12-05 | O'Hare Robert | Chief Financial Officer | -$573,230 | Transaction at $70.00, now -1.0% |
| 2025-09-03 | Quarles Christa S | -$1.4M | Transaction at $93.00, now -25.5% | |
| 2026-04-16 | Watson Noel Bertram | -$110,000 | Transaction at $55.00, now +25.9% |
Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for Affirm Holdings Inc (AFRM) powered by Claude Opus — Anthropic's most capable AI model. The analysis covers five layers: technical analysis (near-term, medium-term, cyclical, and secular trend, momentum, volume shelf support and resistance, breakout and breakdown signals), qualitative analysis (business model, competitive moat, sector dynamics), insider sentiment (buy and sell signals from executive and director transactions), share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and fundamental analysis (valuation, revenue growth, profit margin, earnings quality).
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