Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. Its platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. The company's commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time. It has active merchants covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies with an omni-channel presence. The company's merchants represent a range of industries, including sporting goods and outdoors, home and lifestyle, travel and ticketing, electronics, fashion and beauty, equipment and auto, and general merchandise. Affirm Holdings, Inc. was founded in 2012 and is headquartered in San Francisco, California.
Affirm Holdings, Inc. (AFRM) reported trailing twelve months (TTM) revenue of $3.62B as of December 2025, which represents a 29.3% increase year-over-year. The company's operating margin has expanded to 22.3% from -0.5% a year ago. In terms of profitability, AFRM generated $282.33M in net income. Valuation-wise, the stock trades at a P/E ratio of 93.9x and a Price-to-Sales (P/S) ratio of 7.3x. The company generated $118.03M in free cash flow over the last twelve months, indicating its ability to reinvest in growth or return capital to shareholders. Data based on the most recent quarterly reports.
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