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Stock Analysis
Affirm Holdings, Inc. (AFRM)
AFRM
AFRM · Consumer • Consumer Finance
73.25 +4.48%
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52W Range Position
62%
LOWMIDHIGH
Trend
Mixed
Momentum
Neutral
Updated: 2026-07-31 11:40 UTC
WOI Investment Thesis
Mixed
Confirmation improves above 73.28. Holding above 66.83 keeps the current thesis intact.
⚖️
✓
Fundamentals
Strong / Improving
✓
Price Structure
Mixed
•
Momentum
Neutral
×
Breakout Confirmation
Pending
Risk Level
Moderate
Analysis Scope
1Y Daily
Key Decision Levels
✓
Hold Above
Structure remains valid above support.
66.83
↗
Break Above
Confirmation improves above resistance.
73.28
🎯
Next Objective
Pattern-derived target if setup continues.
—
×
Thesis Break
Scenario weakens below invalidation.
Below 66.83
Recent Company Events
SEC VERIFIED
Latest material filings
JUN
25
$
Debt Financing
HIGH
AFRM debt financing update
On June 18, 2026, Affirm Holdings, Inc.
8-K Filing • SEC EDGAR
JUN
25
●
Management / Board
HIGH
AFRM board and management update
Appointment of Director On June 24, 2026, the Board of Directors (the “Board”) of the Company increased the size of the Board from nine directors to ten directors and appointed Ryan Schneider to the Board as a Class III director, each effective July 1, 2026.
8-K Filing • SEC EDGAR
MAY
7
●
Financial Results
HIGH
Third Fiscal Quarter 2026
We delivered another outstanding set of results this quarter, especially in the broader context of global economic uncertainty: Fellow Affirm shareholders, 2 Affirm FQ3’26 Shareholder Letter 1 Information about Affirm's use of non-GAAP financial measures is provided under “Key Operating Metrics, Non-GAAP Financial M...
8-K Filing • SEC EDGAR
What's Driving AFRM?
📈 Technical recovery is improving
Momentum is Neutral. Watch 73.28 for confirmation and 66.83 for structure risk.
💼 Business quality remains relevant
Fundamentals remain relevant. Check growth, profitability, cash flow and balance sheet quality.
⚠️ Key risk remains
Below 66.83
Full Analysis Workspace
Technical Signal
Waiting for Confirmation
▲
No confirmed breakout yet. Watch the next level and momentum behavior.
RSI(14)
46.1
◎
How to read this setup
From a roadmap perspective, the setup is boxed by support near 66.83 and resistance around 73.28. A cleaner push through resistance would improve continuation odds, while a loss of support would weaken the current thesis.
Price Chart
AFRM — 1D Chart
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Valuation Snapshot (TTM)
Full valuation · Ratios use trailing twelve months
Updated 2026-07-30
Value
Value-oriented setup
Sales and book multiples are contained.
Market Cap
$4.3B
Company size
EV
$11.5B
Debt-adjusted value
P/E
83.2
Very high
P/S
1.1
Low sales multiple
P/B
1.1
Low book multiple
EV/Sales
2.9
Low sales multiple
P/FCF
5.5
Low multiple
FCF Yield
18.13%
Cash return
Source: SEC TTM data via WOI valuation cache Not financial advice
Business Lens
Improving financial execution
Revenue and profitability remain supportive, while cash flow and balance sheet quality require monitoring.
↗
Revenue Growth
Strong
●
Profitability
Improving
≈
Cash Flow
Healthy
⚖
Balance Sheet
Stretched
💵 Revenue
1.04B
↗ Strong
📈 Net Income
102.90M
↗ Improving
🧮 EPS (Basic)
0.31
↗ Improving
Affirm Holdings, Inc.
Consumer • Consumer Finance
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