Affirm Holdings (AFRM) stock

Lenders & creditFintech and payments

Market cap $25B

$73.55

+0.11%

Lenders & credit, market cap $25BFintech and payments

As of 3:51 PM ET, delayed 15+ min · Live for Pro members

Quality Score

Above Average

In its industry

#3of 14

Lenders & Credit

Checks firing

5of 14

Choppy

From 52-week high

-18.7%

Above the 200-day

AFRM's Quality Score rose 2 points on Mon, Nov 2, to 14.

See AFRM's 14 chart checksSee it live, free until Wednesday morning. No account. No card. Then keep going with a free account.

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Why is AFRM down?

Down 52% over five years while the S&P 500 rose 76%.

It fell 23% on Nov 9, 2022, a results day, its biggest one-day fall in five years.

Sources: Price history, Oct 30, 2026

The other side and the timeline, for Pro members.

Key facts on AFRM

Key facts on AFRM
Since its Nov 2021 high	Down 56% a $441M loss → $1.93B profit a year
Latest filing	10-K, Aug 27 Filed its annual report (10-K) for the year to Jun 30, 2026

1 more reason behind AFRM's 14, free with an account →3 more reasons behind AFRM's 14, for Pro members.

AFRM in the news

ReportReports Thursday, after the close. Every 3 months, a company tells everyone how much it sold and earned. It rose after 2 and fell after 2 of its last 4 reports, +0.7% on average. Past reports ›

What's next

Mon Nov 9: Citi 15th Annual FinTech Conference 2026Investor conference · date confirmed.

2 more dates ahead: the conference and the meeting, for Pro members.

AFRM catalysts

Coming up

After its last 4 reports it closed +0.7% on average, higher 2 of 4 times.

13 past catalysts since 2021, with sizes and sources, for Pro members.Get in free →

Why AFRM scores 14

Above Averagefor quality, not price, 5 of 14 chart checks firingWhat the Quality Score means

+5Chart checks 5 of 14 firing right now, one point each
+3Growth sales up 32% on the year, operating margin up 12.5 pointsSales and margins against a year earlier: up to +3 for fast growth and widening margins, down to -2 when both shrink.

Long-term trend adds
Size adds
Profit addsRead on the last four quarters against the four before, or the last full year where no quarters are filed.
Persistence adds

No effect today: Run-up, Dilution, Volatility, Cash flow, News, and Insider trades.

What every line is worth, and the reason behind it, on AFRM and every other stock.Get in free →

Price, score, chart checks, and the industry rank are from a snapshot taken at 3:51 PM ET, at least 15 minutes behind. How we rank stocks.

Tested. Our top-⁠scored stocks returned 2.2x the average stock over the next month. How we tested it

Alert me when AFRM's Quality Score turns up

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Here is what Pro members see.

The same page for Pro members, on AMD
Its Quality Score and rank, the line that drives it, and the live price.
The full chart
A year of candles to start, out to the whole history, with insider trades marked and the Quality Score under the price.
Every line of the score
Price action, the company, and signals, each with its points, on AFRM and every other stock.
CEOs buying their own stock
Every CEO buy, biggest names first. Sort, filter, save the list, and set optional alerts.
Congress trades
A member's trades, newest first, each with its amount. Sort and filter the whole list.
14 chart checks, read for you
The ones firing on the stock, each in plain words, its rule a tap away.
Earnings, week by week
Who reports each day, and how each stock took its last four reports.
FDA dates, counted down
Each date in the company's words, its cash against the date, and an optional alert before it.
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Every stock a box, colored by its Quality Score.
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AFRM has 5 of 14 chart checks firing

Trend1 of 5 shown

MA FAN 21 EMA W.EMA HH/HL 52W HI

Volume1 of 3 shown

VOL VDU U/D VOL

Tight range1 of 3 shown

ATR SQZ SQUEEZE NR7

Buying1 of 3 shown

OBV+CLOSE HI SPRING

The other 10 checks on AFRM, and all 14 on every stock.Get in free →

AFRM RSI today: 50.7, above its 50-day and 200-day averages

Not scored

Not in the Quality Score: over 20 years of tests, 2006 to 2026, they added no edge.

RSI 1450.7
Above 50, below 70.
MACD (12, 26, 9)Below signal
Crossed below its signal line 9 sessions ago.
50-day average$73.01
The price is 0.7% above it.
200-day average$66.53
The price is 10.6% above it.
50/200 crossGolden cross
The 50-day crossed above the 200-day on Jun 24.
ADX 149.6
Under 25, with +DI above -DI.
Support$72.86
Swing low from Jan 2, 0.9% below the price.
Resistance$74.90
Swing high from Sep 15, 1.8% above the price.
52-week high$90.44
From Aug 28, 23.0% above the price.
52-week low$42.09
From Mar 27, 42.8% below the price.
Chart patternNone
No triangle, channel, or wedge in the last year.
Bollinger Bands (20, 2)Inside
The bands run from $68.74 to $79.76.
Volume1.3x
Against its 20-day average, for the time of day.

The deep dive on AFRM

What it does and how it makes money4 findingsFor Pro members4 findings on what AFRM does and how it makes money, for Pro members
Where it stands4 findingsFor Pro members4 findings on where AFRM stands: its cash, debt, and share count, for Pro members
What changed in its filings4 findings"On September 14, 2023, plaintiff Michael Vallieres filed a shareholder derivative lawsuit in the U.S. District Court for the District of Delaware against Affirm …" (10-K for fiscal 2026)SEC filing · Aug 27, 2026A new heading in its "Risk Factors" this year: "These disclosures reflect the Company’s beliefs and opinions as to factors that could materially and adversely affect the Company and its securities in the future. References to past events are provided by way of example only and are not intended to be a …" (10-K for fiscal 2026; not in fiscal 2025's)SEC filing · Aug 27, 2026, against the one of Aug 28, 2025
Who holds and trades it2 findingsFor Pro members2 findings on who holds and trades AFRM, for Pro members
Against its closest peers1 peerSales over four quarters against a year before: AFRM +32%, SEZL +43%.

12 more findings on AFRM, each with its source, for Pro membersGet in free →

How AFRM ranks in Lenders & Credit

AFRM is #3 of 14 by Quality Score.

How AFRM ranks in Lenders & Credit
1	ECPGEncore Capital	7/14	20
2	ATLCAtlanticus	5/14	14
3	AFRMAffirm	5/14	14
	BFHBread Financial		Open for its score
	SLMSLM		Open for its score
	WRLDWorld Acceptance		Open for its score

Sales over four quarters against a year before: AFRM +32%, SEZL +43%.

When does AFRM report earnings, and what happens after?

Reports Thu Nov 5, after the close (in 3 days). Confirmed.

What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.

-4.0%-5.0%+0.3%

Feb 5May 7Aug 27

Reported	When	Gap	Reaction	5 sessions
Aug 27, 2026After close	After close	+11.0%	+0.3%	-4.1%
May 7, 2026After close	After close	+1.5%	-5.0%	+0.3%
Feb 5, 2026After close	After close	+2.1%	-4.0%	-16.3%

AFRM closed higher after 2 of its last 4 reports.

All 4 reports, and AFRM's Quality Score going into each

Everyone reporting earnings this week

AFRM sales and profit by year

Sales and profit by year

Sales grew every year from 2019 to 2026, to $4.3B. It made a profit in two of the eight years.

Insiders trading AFRM

AFRM insider trades

One insider sold $3.8M across 2 filings in the last 6 months. No open-⁠market buys on record. The newest:

SellSiphelele Jiyane$1.9MChief Accounting Officerat $72.19 on Sep 14, filed Sep 16

SellSiphelele JiyaneChief Accounting Officer$1.9Mat $72.19 on Sep 14, filed Sep 16

All 2 insider filings on AFRM from the last six months, for Pro members.Get in free →

AFRM trades by Congress and the executive branch

One trade disclosed in the last six months. The newest:

SellDonald Trump$1K to $15KPresident (R)traded Apr 20, disclosed Jul 1(72 days later)

SellDonald TrumpPresident (R)$1K to $15Ktraded Apr 20, disclosed Jul 1(72 days later)

See what Congress is buying across the market

AFRM's officers and directors

Officers and directors with a Form 4 in the last 12 months.

Max R. LevchinChief Executive Officer · 1 trade
Michael LinfordPresident · 2 trades
Libor MichalekPresident
Robert O'HareChief Financial Officer · 5 trades
Katherine AdkinsChief Legal Officer · 2 trades
Siphelele JiyaneChief Accounting Officer · 2 trades
Noel Bertram WatsonDirector · 3 trades
Brian HughesDirector

6 more officers and directors file at AFRM. Each page above names the rest.

See insider trades by person

Which ETFs hold AFRM?

In ETFs: AFRM is 0.1% of JEPI, under 0.1% of SCHG, and under 0.1% of VTI, the most of the 24 funds Breakaway covers, by each fund's latest filing, Jun 30 to Aug 31, 2026.

About Affirm Holdings

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.

2,358 employeesSan Francisco, CAaffirm.com

What Affirm Holdings says it competes with

“Our primary competition consists of: legacy payment methods, such as credit and debit cards, including those provided by card issuing banks such as Synchrony, J.P. Morgan Chase, Citibank, Bank of America, Capital One, Bread Financial, and American Express; mobile wallets and other pay-over-time solutions offered by companies such as PayPal, Block and Klarna; and new pay-over-time offerings by legacy financial and payments companies, including those mentioned above.”

From its annual report, SEC filing · Aug 27, 2026

2 more sentences, what it says it does, and its sales by region, for Pro membersGet in free →

AFRM's score card

Affirm Holdings (AFRM): Quality Score 14, Above Average, #3 of 14 in Lenders & Credit, with its price, on Breakaway — The picture a link to this page shows when it is shared.

Pro members see every line of every stock's score.

What would move AFRM's score: 4 things
Real-⁠time prices, no delay
Every line of AFRM's score, with the points and the reason

BreakawayJul 1Donald Trump sold AFRM$1K to $15K, disclosed Jul 1

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See AFRM's 14 chart checks

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Straight Answers

As of Nov 2, 2026: AFRM's Quality Score is 14 (Above Average), #3 of 14 in Lenders & Credit. Insiders sold $3.8M in the last 6 months (Form 4).

Is AFRM a good stock to buy? What its Quality Score says

AFRM scores 14 today, which Breakaway calls Above Average. It is #3 of 14 in Lenders & Credit by Quality Score, with 5 of 14 chart checks firing. Down 52% over five years while the S&P 500 rose 76%. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.

What is AFRM's Quality Score?

AFRM scores 14 today, which Breakaway calls Above Average (11 to 14). That is #3 of 14 in Lenders & Credit by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind AFRM's 14.

Are insiders buying AFRM?

One insider sold $3.8M across 2 filings in the last 6 months. No open-⁠market buys on record. The newest is Siphelele Jiyane, Chief Accounting Officer, who sold $1.9M on Sep 14. Every filing, with the scored weight, for Pro members.

Are the prices delayed?

Only on the public pages, which run at least 15 minutes behind. Pro members, and anyone on a guest pass, see real-time prices: the scanner refreshes every 15 seconds, and your watchlist every few seconds, pre-market and after hours included.