AFRM is the ticker symbol for Affirm Holdings, Inc., a publicly traded Financials sector company listed on Nasdaq. 13F Pro tracks AFRM with AI-powered analysis, a 32-signal quality score, SEC EDGAR financials, insider transactions, and institutional 13F holdings — all sourced directly from public SEC filings.

Is AFRM a good stock to buy?

13F Pro's AI ranking engine scores AFRM at 81.3/100, ranked #20 of 2,961 stocks based on 32 fundamental signals including profitability, growth, balance sheet strength, and free cash flow. The full AI verdict and bull/bear case for AFRM is available at https://13fpro.ai/company/AFRM. Not investment advice — review the underlying SEC filings before making any trade.

Where does 13F Pro source AFRM data?

All Affirm Holdings, Inc. fundamentals and ownership data come directly from SEC EDGAR. Affirm Holdings, Inc. files with the SEC under CIK 1820953. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

Affirm Holdings, Inc.(AFRM)— Stock Profile, AI Score & Financials

Financials · Nasdaq · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated 2026-06-30.

Affirm Holdings, Inc. (AFRM) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores AFRM at 81.3/100 on a 32-signal composite quality model, placing it at rank #20 of 2,961 stocks — the top 1% of the AI-ranked universe. AFRM scores in the top quartile across profitability (97.7), balance sheet strength (94.2), revenue growth (89.8). Areas of concern include earnings quality (21.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 20.3/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Affirm Holdings, Inc. reports quarterly revenue of $1.2B, net income of $1.6B, an operating margin of 12.6%. Top institutional holders of AFRM by reported 13-F value include Capital Research Global Investors, Capital World Investors, MORGAN STANLEY, based on the most recent SEC filings. AFRM trades on the Nasdaq exchange and files with the SEC under CIK 1820953. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate AFRM daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Affirm Holdings, Inc. directly from SEC EDGAR.

AI Quality Score

81.3/100

AI Rank

#20

Revenue

$1.2B

Net Income

$1.6B

Free Cash Flow

$229.3M

Operating Margin

12.6%

AFRM key financials by period

Affirm Holdings, Inc. reported revenue, net income and margins by fiscal period, from SEC filings.
Period	Form	Revenue	Net income	Operating margin
FY 2026	10-K	$4.3B	$1.9B	9.8%
FY 2025	10-K	$3.2B	$52.2M	-2.7%
FY 2024	10-K	$2.3B	$-517.8M	-26.5%
FY 2023	10-K	$1.6B	$-985.3M	-75.6%
FY 2022	10-K	$1.3B	$-707.4M	-64.2%
FY 2021	10-K	$870.5M	$-441.0M	-44.1%

Institutions holding AFRM

Institutional investors reporting a position in Affirm Holdings, Inc. on SEC Form 13F.
Institution	Shares	Value	Reported
Capital Research Global Investors	26,000,572	$2.1B	2026-06-30
Capital World Investors	23,115,136	$1.9B	2026-06-30
MORGAN STANLEY	23,000,269	$1.9B	2026-06-30
BlackRock	19,613,537	$1.6B	2026-06-30
FMR	17,581,656	$1.4B	2026-06-30
JPMORGAN CHASE	16,722,922	$1.4B	2026-06-30
VANGUARD CAPITAL MANAGEMENT	12,320,890	$1.0B	2026-06-30
VANGUARD PORTFOLIO MANAGEMENT	11,886,405	$969.3M	2026-06-30
STATE STREET	6,349,214	$517.8M	2026-06-30
BAILLIE GIFFORD	5,856,569	$477.6M	2026-06-30

SEC EDGAR: CIK 1820953 →

Affirm Holdings, Inc.

AFRM

NasdaqLarge CapFinancials

13F Pro Quality Score

81.3/100

Rank #20 of 2,961 stocksTOP 1%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

89.8/100

Profitability

97.7/100

Balance Sheet

94.2/100

Earnings Quality

21.0/100

Free Cash Flow

77.0/100

Institutional Flow

44.6/100

Revenue Scale

75.8/100

Dilution Risk

20.3/100

Price Chart

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What's Driving AFRM's Business? Latest 10-K Breakdown

9/9 datapoints verified

AI-extracted from the 10-K filed 2026-08-27 — FY2026 (year ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

The provided filing text is truncated before the income statement, so no total revenue or expense figures are verifiable; disclosed operating data shows $50.2B of FY2026 GMV and loans held for investment up 36% to $9.47B.

Biggest Revenue Drivers

Watch Items from the Filing

Affirm relies on two Primary Originating Banks (Celtic, Lead) for substantially all platform loans; it directly originated only $9.5B, or 19%, of loans in FY2026.
Loans held for investment grew 36% to $9.47B while average balance grew 27% to $8.15B, retaining more credit risk on balance sheet.
In January 2026 Affirm applied to Nevada FID and FDIC to charter Affirm Bank as an industrial loan company; the application has drawn opposition from industry and advocacy groups.
In December 2025 seven state attorneys general opened coordinated inquiries into BNPL practices; new UK FCA deferred-payment credit rules took effect July 25, 2026.
Accumulated deficit narrowed to approximately $1.1 billion at June 30, 2026 from $3.1 billion a year earlier; repeat consumers drove 96% of transactions versus 94%.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-K on SEC EDGAR →