# Affirm Holdings (AFRM) — Overview

AFRM · NASDAQ · Stock

Canonical page: https://www.lighthorse.io/tickers/afrm

## Price

Last close $74.01 on Oct 16, 2026. 52-week range $42.53 – $85.78.

## Company profile

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.

## Financials

| Metric | Value |
| --- | --- |
| Revenue (trailing twelve months) | $4.3B |
| Revenue (quarter) | $1.2B |
| Revenue growth (year over year) | 33.04% |
| Gross profit (trailing twelve months) | $4.3B |
| Gross margin | 100.00% |
| Net income (trailing twelve months) | $1.9B |
| Net income (quarter) | $1.6B |
| Net income growth (year over year) | 2234.66% |
| Net margin | 45.29% |
| Return on equity | 45.13% |
| EPS (trailing twelve months) | $5.76 |
| Book value per share | $16.26 |
| P/E (trailing twelve months) | 12.9 |
| Price to book | 4.6 |
| Debt to assets | 65.27% |
| Payout ratio | 0.00% |
| Dividend yield | 0.00% |

## Frequently Asked Questions

### Is Affirm Holdings (AFRM) profitable?

Yes. Affirm Holdings earned $1.9B in net income over the trailing twelve months, a net margin of 45.29%.

### How much revenue does Affirm Holdings (AFRM) make?

Affirm Holdings generated $4.3B in revenue over the trailing twelve months, up 33.04% year over year.

### What is AFRM's P/E ratio?

Affirm Holdings trades at 12.9 times trailing twelve-month earnings, on an EPS of $5.76.

### How do I buy stock in Affirm Holdings (AFRM)?

AFRM trades commission-free with a Light Horse Securities brokerage account — from the mobile app, the web at [Light Horse Dashboard](https://portal.lighthorse.io), the trading API, or an [AI agent connected over MCP](/instructions/ai/claude). The trade panel on this page places the order once you are signed in.

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Data provided by [AInvest](https://www.ainvest.com).