AFRM — Affirm Holdings, Inc.
Financial Services · ETF XLF · as of 2026-09-23
Daily · EMA 10 / 20 / 50 · SMA 200 · VolPress: buy/sell split, 20-SMA, white dot = above avg · · E = earnings · RS vs SPY ⓘ · ● RS new high ⓘ
Affirm Holdings, Inc.
NMS
Financial Services · Credit Services
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.
Price & today
$68.09
ATR(14) 3.61 (5.30%)
| Stock today | -5.13% |
| Sector ETF today | -0.47% |
| Residual (stock-specific) | -4.65% |
Sector correlation
| 20-day correlation with XLF | 0.36 |
| 60-day correlation with XLF | 0.46 |
| Status | normal |
Decoupling fires when 60d corr − 20d corr > 0.20: stock used to track its sector but the relationship has weakened recently.
Technicals
| 10 EMA | $70.94 |
| 20 EMA | $72.03 |
| 50 EMA | $73.19 |
| EMA stack | BEARISH |
| RSI(14) | 40.0 |
| 52-week high distance | -31.91% |
| 52-week low distance | +61.73% |
Signals
| Market F&G | 44.9 |
| Bull% | 13.8% |
| OVTLYR status | SELL (13d) |
| Sector rank | #291 |
| Next earnings | 2026-11-04 (TNS, 41d) |
MarketSmith metrics - our compute
RS Rating
15.4
ADR%
5.2
RMV (tight)
44.0
Ext (ATR>20EMA)
-1.1
Rel Vol
141.0%
U/D 50d
0.83
U/D 25d
1.15
Accum/Dist 25d
5 / 4
EPS YoY
+772.0%
LoD dist
41.0
Off 52w High
24.7%
Above 52w Low
61.8%
1W / 1M
-4.9 / -11.4
Avg $Vol 50d
328.4M
Mkt Cap (B)
22.8
Trend 8/8
no
Leads Group
no
Sector XLF
-2.5% 1W
Base len (VCP)
10wk (2/14)
Coil (base shape)
85TVPX
What do these abbreviations mean?
- RS Rating
- - IBD-style relative strength vs SPY (weighted 3/6/9/12-mo). 70+ = leaders pool, 80+ = strong.
- ADR%
- - average daily range over 20 days. 4%+ = the fast movers the playbook prefers (selection order, not a gate).
- RMV (tight)
- - Relative Measured Volatility, 15 bars, scaled 0-100. <15 = tight coiled base (green), <35 moderate, high = loose/expanding - not a base right now.
- Ext (ATR>20EMA)
- - how many ATRs price sits above its 20-EMA. ≤1 = in value (green), >2 = extended/chasing (red) - prefer a pullback.
- Rel Vol
- - latest volume vs the 50-day average. 100% = normal; 140%+ = breakout confirmation.
- U/D 50d / 25d
- - up-day vs down-day volume over the window. 1.1+ = net accumulation (institutions buying); under 0.9 on the 25d = net selling.
- Accum/Dist 25d
- - heavy-volume up days vs heavy-volume down days in the last 25 sessions (close moved 0.2%+ on above-average volume). The institutional-participation footprint; 5+ distribution days = O'Neil caution line.
- LoD dist
- - close distance above the day low in % of ATR (100 = one full ATR off the low). High = strong close.
- Off/Above 52w
- - trend-template legs: within 25% of the 52-week high, at least 25% above the 52-week low.
- Trend 8/8
- - all 8 Minervini Trend Template criteria pass. Discovery floor, NOT an entry signal - entries come from the VCP pivot.
- Base len (VCP)
- - weeks since the VCP base started on the latest scan. 10wk+ bases carry the edge; short stacked bases test below random.
Fundamentals & valuation - reference, not entry inputs
P/E (TTM)
61.9
Fwd P/E
18.3
PEG
0.8
Price/Book
6.7
Profit margin
9.6%
ROE
11.5%
Debt/Equity
240.3
Rev growth
+32.6%
Analyst target
$91 (+33%)
Analyst rating
BUY
Institutional %
88.8%
Insider %
4.3%
Float %
82.9%
Valuation and analyst figures are Yahoo company stats (weekly refresh, ~3,000 larger names - blanks are honest gaps); logo, employees, website and IPO date are Massive company reference. Momentum/VCP entries do not use valuation - this card is context so you do not have to leave the page.
Company data - context read, not entry inputs
Industry rank
139 / 146
Industry
Credit Services
Float
277.7M
Float turnover 20d
2.3%
Avg $Vol 20d / 50d
464.1M / 328.4M
Days to cover
3.8
Short % float
5.7%
Institutional %
88.8%
Weinstein stage
2
Float, short interest and institutional % come from Yahoo company stats, refreshed weekly for ~3,000 larger names - a blank means Yahoo does not publish the figure for this stock, not that it is zero. Dollar volume and float turnover are computed from our own price bars; industry rank from our rotation data; stage from the weekly chart.
Quarterly EPS - earnings acceleration
A dash in %Chg is deliberate: the year-ago figure was a loss, so a growth % would be meaningless. A dash in Sales means we have no revenue figure for that quarter - read it as a gap in our data, not as zero revenue.
| Quarter | EPS ($) | %Chg YoY | Sales ($M) | %Chg |
|---|---|---|---|---|
| Nov-24 | 0.36 | - | 698.5 | +41% |
| Feb-25 | 0.76 | - | 866.4 | +47% |
| May-25 | 0.19 | - | 783.1 | +36% |
| Aug-25 | 0.53 | - | 876.4 | +33% |
| Nov-25 | 0.61 | +69% | 933.3 | +34% |
| Feb-26 | 0.72 | -5% | 1,123.0 | +30% |
| May-26 | 0.62 | +226% | 1,038.8 | +33% |
| Aug-26 | 4.62 | +772% | 1,166.0 | +33% |
† = SEC carries this same fiscal quarter under a second period-end with a materially different figure (hover for it) - a restatement, merger recast or successor-period split; %Chg is blanked when the two are more than 15% apart. It fires only when the two period-ends DISAGREE, so it is a floor, not a guarantee that the rest of the column shares one basis · ‡ = the revenue concept changed from the previous quarter WITH A FIGURE (hover for both) - a blank row in between is skipped, as the eye does - a step at that row is a change of basis, not necessarily of business · EPS = Yahoo
eps_actual (the figure MarketSmith/Deepvue show) - whether a given quarter is GAAP or excludes a one-off follows the filing, so it can sit either side of another vendor's number; AAPL's Oct-24 row, the Sep-2024 fiscal quarter, is $0.97 here - GAAP, including the EU tax charge - where TradingView's year implies $1.64 · Sales ($M) = SEC EDGAR quarterly revenue (fiscal Q4 derived as FY minus 9-mo) · quarter = report month · %Chg blank = prior-year base under $0.05 (not meaningful).Recent news - our DB (Finnhub + OVTLYR)
- Sep 19 · Upstart, Affirm, and SoFi All Lend to the Same Borrowers. Only One of Them Funds With Deposits. The Motley Fool
- Sep 18 + Sezzle Marketing ROI Strengthens: Can Efficient Spending Sustain Growth? Zacks Investment Research
- Sep 18 + Here's How Affirm's AI Upgrade Could Strengthen Credit Underwriting Zacks Investment Research
- Sep 14 · Affirm Holdings (AFRM) Rises As Market Takes a Dip: Key Facts Zacks Investment Research
- Sep 02 + Sezzle Grows Merchant Network: Can New Brands Drive Wider Adoption? Zacks Investment Research
- Aug 31 + Affirm Q4 Earnings Beat on Strong GMV Growth, Rising Card Adoption Zacks Investment Research
- Aug 31 · Is SoFi's Product Flywheel Gaining Enough Traction to Lift SOFI Stock? Zacks Investment Research
- Aug 28 · Affirm Stock: Follow Now and Buy Later or Buy Right Now? The Motley Fool