Affirm Holdings, Inc. operates a platform for digital and mobile commerce in the United States and Canada. The company is headquartered in San Francisco, California.
| Revenue (TTM) | $4.59B |
| Gross Profit (TTM) | $2.25B |
| EBITDA | $879.10M |
| Operating Margin | 14.80% |
| Return on Equity | 44.50% |
| Return on Assets | 2.42% |
| Revenue/Share (TTM) | $13.58 |
| Book Value | $16.97 |
| Price-to-Book | 4.29 |
| Price-to-Sales (TTM) | 5.01 |
| EV/Revenue | 7.26 |
| EV/EBITDA | 24.74 |
| Quarterly Earnings Growth (YoY) | 102.90% |
| Quarterly Revenue Growth (YoY) | 35.20% |
| Shares Outstanding | $296.88M |
| Float | $285.09M |
| % Insiders | 4.30% |
| % Institutions | 87.95% |
Volatility is currently contracting
AFRM targets growth above 30% in fiscal 2027, banking on AI-driven underwriting, card expansion and new financing opportunities amid rising credit provisions.
Some Wall Street analysts say the credit anxieties have been overblown.
AFRM beats Q1 fiscal 2027 earnings estimates as GMV surges 34% and cardholders more than double, while rising credit loss provisions weigh on gains.
Affirm Holdings, Inc. (AFRM) Q1 2027 Earnings Call Transcript
Affirm NASDAQ: AFRM expects gross merchandise volume to grow at least 30% in fiscal 2027, after reporting 34% growth in the first quarter, executives said on the company's earnings call. Management also addressed higher provision expenses, funding costs and plans to expand its card and merchant offerings.
SAN FRANCISCO--(BUSINESS WIRE)--Affirm Holdings, Inc. (NASDAQ: AFRM) (“Affirm”) today reported financial results for its fiscal 2027 first quarter ended September 30, 2026. The results, which include a shareholder letter furnished to the U.S. Securities and Exchange Commission on Form 8-K, can be found in the “Quarterly Results” section of Affirm's investor relations website at https://investors.affirm.com/. Affirm will host a conference call and webcast to discuss its financial results today a.
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AFRM looks poised for a fiscal Q1 earnings beat, fueled by rising GMV, growing active consumers and higher transaction volumes, despite elevated transaction costs.
Affirm is a high-quality, highly profitable business trading at just 18x forward free cash flow, which I view as a bargain. AFRM is expected to deliver 30% year-over-year revenue growth and could achieve $1.4 billion in free cash flow in fiscal 2027. The business benefits from strong network effects, merchant-driven revenue, and growing profitability despite intense competition.
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