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Affirm holdings, inc.AFRM.US Overview

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AFRM Recent Performance

-0.69%

Affirm holdings, inc.

0.66%

Avg of Sector

-0.31%

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AFRM Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

AFRM Profile

Affirm Holdings, Inc. operates a platform for digital and mobile-first commerce in the United States and Canada. The company's platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. Its payments network and partnership with an originating bank, enables consumers to pay for a purchase over time with terms ranging from one to forty-eight months. As of June 30, 2021, the company had approximately 29,000 merchants integrated on its platform covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies. Its merchants represent a range of industries, including sporting goods and outdoors, furniture and homewares, travel, apparel, accessories, consumer electronics, and jewelry. The company was founded in 2012 and is headquartered in San Francisco, California.

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AFRM Related Articles

【2025/08/29 每日美股市場資訊】市場受 GDP 上調與降息預期帶動,S&P 500 再創新高
Aug 29, 2025Daily News

【2025/08/29 每日美股市場資訊】市場受 GDP 上調與降息預期帶動,S&P 500 再創新高

週四美國股市收高,最新上修的第二季度國內生產總值(GDP)數據激發市場樂觀情緒,加上投資人押注聯準會(Fed)9 月可能降息,推動三大股指全面上揚。 不過,漲幅受到 Nvidia(NVDA) 股價下跌的壓制。該公司雖公布優於預期的第二季度業績,但前景展望偏向保守,令投資者情緒趨於謹慎,同時市場也在觀望週五即將公布的 PCE 通膨數據。 收盤數據顯示,S&P 500 指數上漲 0.3%,報 6,501.86 點,再創歷史新高;納指攀升 0.5% 至 21,705.16 點。 整體來看,三大股指在 8 月份皆上漲 2.5% 至 3.5%,主要受惠於強勁的第二季度財報表現,以及市場對 9 月降息可能性的預期升溫。   先買後付平台 Affirm Holdings(AFRM) 於週四公布 2025 財年第四季度財報,營收與獲利雙雙超出市場預期,帶動股價在盤後交易中大漲 18%。 數據顯示,Affirm 第四財季營收達 8.76 億美元,較去年同期成長 33%,並優於市場預估的 8.37 億美元。淨利潤則為 6920 萬美元,扭轉去年同期 4510 萬美元虧損的局面;每股收益報 0.20 美元,顯著高於分析師預期的 0.11 美元。 推動業績上升的關鍵來自於商品交易總額(GMV),該季金額達 104 億美元,年增 43%。公司在致股東信中強調,持續的執行力讓 Affirm 按照一年前的承諾,在本季度成功實現營業利潤。 展望未來,Affirm 預計 2026 財年第一季度營收將落在 8.55 億至 8.85 億美元之間,商品交易總額則將介於 101 億至 104 億美元,顯示公司對成長動能仍具信心。   美國政府正式將季度 GDP 數據上傳至公共區塊鏈,成為歷史性的一步。據美國商務部官員透露,2025 年的季度 GDP 已以「官方哈希值」形式上鍊至比特幣、以太坊與 Solana 等九條區塊鏈,部分數據甚至直接包含總量資訊。這代表美國政府首次讓最關鍵、最能影響市場的經濟數據透過區塊鏈傳遞,提升透明度與安全性。此舉被視為川普政府力挺加密貨幣發展的具體行動,未來更計劃擴大上鍊範圍,開闢官方數據發佈的新模式。   化妝品零售商 Ulta Beauty(ULTA) 週四公佈第二季度財報,營收與獲利均優於市場預期,並上調全年業績展望,股價在盤後交易中表現亮眼。 財報顯示,Ulta 第二季度淨利潤從上年同期的 2.526 億美元(每股 5.30 美元) 增至 2.609 億美元(每股 5.78 美元)。營收則同比成長 7.7% 至 28 億美元,同樣高於華爾街預期。 臨時首席財務官 Chris Lialios 在財報電話會議上表示,下半年同店銷售額預計將持平或小幅增長(低個位數百分比),全年增速可望落在 2.5% 至 3.5%,高於先前不超過 1.5% 的預期。雖然低於第二季度 6.7% 的表現,但仍顯示出優於市場的韌性。 受惠於上半年的強勁表現,Ulta 將 2025 財年銷售額預估上調至 120 億至 121 億美元,高於此前最高 117 億美元 的預測;全年每股收益預計介於 23.85 至 24.30 美元,優於先前 22.65 至 23.20 美元 的區間。這也是該公司繼 5 月上調全年指引後,再度上修業績預期。   戴爾科技(DELL) 於美東時間 8 月 28 日盤後公佈第二財季財報,雖然營收與獲利均略高於市場預期,但人工智慧(AI)伺服器訂單顯著下滑,加上獲利率不如分析師預估,導致股價在盤後交易走低。 財報顯示,戴爾第二財季銷售額年增 19% 至 298 億美元,高於分析師平均預期的 292 億美元。調整後每股收益則為 2.32 美元,同樣略優於預期的 2.30 美元。 然而,AI 伺服器表現令人失望。該季度 AI 伺服器訂單金額僅 56 億美元,遠低於前一季度的 121 億美元。戴爾本季出貨金額為 82 億美元,期末積壓訂單價值 117 億美元。由於 AI 伺服器嚴重依賴 Nvidia(NVDA) 和 AMD(AMD) 等廠商生產的高價 GPU,毛利率低於市場預期,進一步引發投資者擔憂。 在業務分部表現上,伺服器和網絡業務增長 69%,推動基礎設施部門收入大增 44%;但由企業及消費級 PC 組成的客戶端部門僅增長 1% 至 125 億美元,不及市場預估的 128 億美元。 市場普遍認為,雖然 AI 基礎設施需求持續帶動銷售熱潮,但盈利能力仍是投資人關注的核心焦點。   🇹🇼 台股    

AFRM FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

AFRM Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
0.85
PE Ratio (TTM)
58.00
Forward PE
32.83
PS Ratio (TTM)
4.21
PB Ratio
4.41
Price-to-FCF
25.10
METRIC
VALUE
vs. INDUSTRY
Gross Margin
47.78%
Net Margin
7.60%
Revenue Growth (YoY)
32.70%
Profit Growth (YoY)
42.62%
3-Year Revenue Growth
41.12%
3-Year Profit Growth
55.53%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
0.85
PE Ratio (TTM)
58.00
Forward PE
32.83
PS Ratio (TTM)
4.21
PB Ratio
4.41
Price-to-FCF
25.10
Gross Margin
47.78%
Net Margin
7.60%
Revenue Growth (YoY)
32.70%
Profit Growth (YoY)
42.62%
3-Year Revenue Growth
41.12%
3-Year Profit Growth
55.53%
  • When is AFRM's latest earnings report released?

    The most recent financial report for Affirm holdings, inc. (AFRM) covers the period of 2026Q2 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating AFRM's short-term business performance and financial health. For the latest updates on AFRM's earnings releases, visit this page regularly.

  • Where does AFRM fall in the P/E River chart?

    According to historical valuation range analysis, Affirm holdings, inc. (AFRM)'s current price-to-earnings (P/E) ratio is 70.11, placing it in the Undervalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of AFRM?

    According to the latest financial report, Affirm holdings, inc. (AFRM) reported an Operating Profit of 117.63M with an Operating Margin of 10.47% this period, representing a growth of 2,821.56% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is AFRM's revenue growth?

    In the latest financial report, Affirm holdings, inc. (AFRM) announced revenue of 1.12B, with a Year-Over-Year growth rate of 29.62%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much cash does AFRM have?

    At the end of the period, Affirm holdings, inc. (AFRM) held Total Cash and Cash Equivalents of 2.09B, accounting for 0.16 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does AFRM go with three margins increasing?

    In the latest report, Affirm holdings, inc. (AFRM) achieved the “three margins increasing” benchmark, with a gross margin of 48.3%%, operating margin of 10.47%%, and net margin of 11.5%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess AFRM's profit trajectory and future growth potential.

  • Is AFRM's EPS continuing to grow?

    According to the past four quarterly reports, Affirm holdings, inc. (AFRM)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.39. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of AFRM?

    Affirm holdings, inc. (AFRM)'s Free Cash Flow (FCF) for the period is 118.03M, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 55.98% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of AFRM?

    The latest valuation data shows Affirm holdings, inc. (AFRM) has a Price-To-Earnings (PE) ratio of 70.11 and a Price/Earnings-To-Growth (PEG) ratio of 0.77. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.