What is Affirm Holdings, Inc.'s market cap?

Affirm Holdings, Inc. (AFRM) has a market capitalization of $27.2B and trades on NASDAQ.

What is Affirm Holdings, Inc.'s revenue and profitability?

Affirm Holdings, Inc. generated $4.0B in trailing twelve-month revenue with net income of $382.4M, representing a net margin of 9.6%, with free cash flow of $786.9M. These figures are based on the Q1 2026 filing.

Who are Affirm Holdings, Inc.'s competitors?

Affirm Holdings, Inc.'s key competitors include PayPal, JPMorgan Chase, Priority Technology Holdings, Inc., and others. These companies compete in similar markets and product categories.

Who does Affirm Holdings, Inc. partner with?

Affirm Holdings, Inc.'s notable partners include Cross River Bank, Visa, Shopify, and others.

Where is Affirm Holdings, Inc. headquartered?

Affirm Holdings, Inc. is headquartered in United States of America and employs approximately 2,171 people. It has been publicly traded since 2021.

Affirm Holdings, Inc.

AFRM

Affirm is a financial technology company that operates a next-generation payment network designed to replace legacy credit systems with transparent, honest financial products.

Market cap

$27.22B+22.0%

Revenue$4.0B+32.1%

Net income$382.4M+715%

Free cash flow$786.9M+29.3%

EPS (diluted)$1.10+624%

Trailing twelve months · change vs. prior year

Table of contents

Earnings

Q3 2026 report

May 7, 2026

Revenue$1.0BBeat by $43.5M EPS$0.30Beat by $0.13

Read the full report

Next report

Aug 27, 2026 (in 2 months)

Revenue estimate$1.1B

EPS estimate$0.34

Financials

Q3 2026

Income statement

See full

Revenue$1.0B+32.6%

Operating income$88.4M+1,154%

Net income$102.9M+3,570%

EPS (diluted)$0.30+2,900%

Balance sheet

See full

Cash & equivalents$2.5B+42.5%

Total debt$9.3B+18.8%

Total equity$3.8B+31.6%

Total assets$13.1B+25.9%

Cash flow

See full

Operating cash flow$386.5M+83.7%

CapEx$61.4M+15.8%

Free cash flow$325.1M+107%

Valuation & ratios

Valuation

See full

Market cap$27.22B+22.0%

Enterprise value$34.08B+65.5%

P/E71.2×-357×

P/S6.9×-0.1×

Profitability

See full

Net margin9.6%+8.2pp

FCF margin19.8%-0.4pp

Returns & leverage

See full

Return on equity11.5%+9.9pp

Debt / equity2.5×-0.3×

Segments

By product

See full

Merchant network revenue$268.0M+25.3%

Card network revenue$66.5M+13.5%

Competitors

By market cap

JPMorgan Chase$885.90B+7.7%

PayPal Holdings, Inc.$39.3B-47.3%

Affirm Holdings, Inc.$27.2B+22.0%

Global Payments$20.0B0.0%

Pagaya Technologies$1.4B-15.2%

Priority Technology Holdings$557.5M-18.3%

Repay Holdings Corporation$323.8M-27.7%

Usio, Inc.$58.0M+34.9%

By revenue growth

Affirm Holdings, Inc.+32.1%

Pagaya Technologies+23.4%

Global Payments+14.8%

Priority Technology Holdings+8.8%

Usio, Inc.+5.8%

PayPal Holdings, Inc.+5.8%

JPMorgan Chase+3.3%

By net margin

JPMorgan Chase31.5%-1.5pp

PayPal Holdings, Inc.15.0%+0.7pp

Affirm Holdings, Inc.9.63%+11.7pp

Pagaya Technologies7.39%+42.0pp

Priority Technology Holdings5.85%+2.8pp

Usio, Inc.-2.43%-6.4pp

Global Payments-7.96%-28.2pp

Profile

Affirm is a financial technology company that operates a next-generation payment network designed to replace legacy credit systems with transparent, honest financial products. The company provides point-of-sale payment solutions that allow consumers to pay for purchases over time without late fees, compounding interest, or hidden charges. By leveraging proprietary machine learning and transaction-level underwriting, Affirm helps merchants increase conversion and average order value while providing consumers with flexible, responsible spending options.

Competitive position

A leading provider of Buy Now, Pay Later (BNPL) services that differentiates itself through a 'no late fees' policy and transaction-level underwriting.

GeographiesUnited States, North America

Customer segmentsRetailers, E-commerce Platforms, Mass Market Consumers

Business modelTransaction-based, B2B2C, Marketplace, Interest Income

SuppliersBank partners for loan origination, Cloud infrastructure providers, Credit bureaus and data providers, Payment networks (Visa/Mastercard)

CustomersRetail consumers, Omni-channel merchants, E-commerce platforms

CountryUnited States of America

Listed2021

Employees2.2K

CEOMax Rafailovych Levchin

SectorTechnology

IndustrySoftware - Infrastructure

Websiteaffirm.com

FilingsSEC EDGAR

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Questions, answered.

What is Affirm Holdings, Inc.'s market cap?: Affirm Holdings, Inc. (AFRM) has a market capitalization of $27.2B and trades on NASDAQ.
What is Affirm Holdings, Inc.'s revenue and profitability?: Affirm Holdings, Inc. generated $4.0B in trailing twelve-month revenue with net income of $382.4M, representing a net margin of 9.6%, with free cash flow of $786.9M. These figures are based on the Q1 2026 filing.
Who are Affirm Holdings, Inc.'s competitors?: Affirm Holdings, Inc.'s key competitors include PayPal, JPMorgan Chase, Priority Technology Holdings, Inc., and others. These companies compete in similar markets and product categories.
Who does Affirm Holdings, Inc. partner with?: Affirm Holdings, Inc.'s notable partners include Cross River Bank, Visa, Shopify, and others.
Where is Affirm Holdings, Inc. headquartered?: Affirm Holdings, Inc. is headquartered in United States of America and employs approximately 2,171 people. It has been publicly traded since 2021.