Market Cap
$23.4B
AFRM
Affirm Holdings, Inc.
$71.01 ▲ +0.82%
Prev close $70.43Market cap$23.4B
ConsensusBuy
12-mo target$99.09 (+39.5%)
▲ Bullish
Analyst conviction 8/10
Insider Selling Cluster (4 insiders)39 New Institutional Positions11 Institutional Exits Fintech & Payments
Snapshot
The big-picture read on AFRM right now — valuation, ownership and activity at a glance.
Cap Size
Large Cap
Analyst Consensus
Strong Buy (76%)
Inst. Holders
50 funds
Inst. Value
$18.6B
Inst. Activity
39 buys / 11 sells
Insider Activity
$0.00 buy / $18.7M sell
Insider Net $
-$18.7M
Social Sentiment
71° Bullish
SEC Reports
3
Price chart 30d -4.2%
Daily candles (open–high–low–close) with volume. Green = up day, red = down day.
No data for this timeframe.
Vol
Recent activity
The latest filings, insider trades, analyst actions, press and options flow — newest first.
Oct 1, 2026 short_volume
Short Volume: AFRM — 57.6% short (1.2M / 2.0M)
Short: 1,176,033 | Exempt: 11,397 | TRF Vol: 2,040,767 | Short Ratio: 57.6% | Off-exchange volume (d
Sep 16, 2026 Insider
Adkins Katherine was granted 30,152 shares
Chief Legal Officer
Sep 16, 2026 Insider
Linford Michael was granted 67,006 shares
President
Sep 16, 2026 Insider
Sep 9, 2026 SEC Michalek Libor was granted 67,006 shares
President
A cluster of four C-suite insiders at Affirm (AFRM) sold a total of $12.52M in open-market shares over a one-week window
CLUSTER — Impact 2/10
CFO O'Hare and COO Linford sold a combined $8.7M in open-market shares over a 7-day window. At a $25B market cap, this r
CLUSTER — Impact 2/10
Jun 30, 2026 Inst.
JPMORGAN CHASE & CO — DOUBLED
16,722,922 shares ($1.4B)
Jun 30, 2026 Inst.
Winslow Capital Management, LLC — NEW
4,577,562 shares ($373.3M)
Analyst ratings buy % +2.7%
How Wall Street rates the stock today, and the latest firm-by-firm actions.
76% rate it Buy or better · 41 analysts
Recent analyst actions
| Date | Firm | Action | Rating | Firm rating |
|---|---|---|---|---|
| Oct 1, 2026 | Freedom Capital Markets | MAINTAIN | Buy | 46% |
| Sep 16, 2026 | Citizens | REITERATE | Market Outperform | 38% |
| Sep 14, 2026 | Wolfe Research | UPGRADE | Outperform | 52% |
| Sep 9, 2026 | Loop Capital | INITIATE | Buy | 54% |
| Sep 3, 2026 | Truist Securities | MAINTAIN | Buy | 55% |
| Sep 2, 2026 | Scotiabank | INITIATE | Sector Outperform | 56% |
| Aug 31, 2026 | Goldman Sachs | MAINTAIN | Buy | 54% |
| Aug 31, 2026 | Bernstein | MAINTAIN | Outperform | 51% |
| Aug 31, 2026 | Cantor Fitzgerald | MAINTAIN | Overweight | 49% |
| Aug 28, 2026 | UBS | MAINTAIN | Neutral | 55% |
Monthly consensus history
| Period | Str. Buy | Buy | Hold | Sell | Str. Sell | Buy % | Distribution |
|---|---|---|---|---|---|---|---|
| Sep 1, 2026 | 9 | 22 | 10 | 0 | 0 | 76% | |
| Aug 1, 2026 | 9 | 22 | 10 | 0 | 0 | 76% | |
| Jul 1, 2026 | 8 | 21 | 10 | 0 | 0 | 74% | |
| Jun 1, 2026 | 8 | 21 | 9 | 0 | 0 | 76% | |
| May 1, 2026 | 8 | 21 | 9 | 0 | 0 | 76% | |
| Apr 1, 2026 | 8 | 20 | 9 | 0 | 0 | 76% | |
| Mar 1, 2026 | 8 | 20 | 9 | 0 | 0 | 76% | |
| Feb 1, 2026 | 7 | 18 | 9 | 0 | 0 | 74% |
Price targets
Where 32 covering analysts think AFRM trades over the next 12 months.
$99.09 +39.5% upside Strong Buy
Current$71.01 Low$66.00 Median$100.00 High$124.00 32 analysts
$66.00$124.00
Analyst rating Buy· 1.6/5 as of Oct 2, 2026
Social media sentiment mood +0.0%
Retail-investor mood aggregated across social media. 0° = very bearish, 100° = very bullish.
71°
Bullish
BearishNeutralBullish
Recent posts
Reports & filings
AI-scored summaries of recent SEC filings and press releases, with sentiment and impact.
3 SEC filing reports analyzed · 0 bullish, 0 bearish, 0 mixed, 3 neutral · avg impact 2.3/10.
NEUTRALCLUSTER2/10
A cluster of four C-suite insiders at Affirm (AFRM) sold a total of $12.52M in open-market shares ov
Sep 9, 2026
NEUTRALCLUSTER2/10
CFO O'Hare and COO Linford sold a combined $8.7M in open-market shares over a 7-day window. At a $25
Sep 4, 2026
NEUTRAL1443/10
CFO Michael Linford filed a Form 144 notice of intent to sell 100,000 shares of Affirm Holdings (AFR
Jun 26, 2026
Upcoming & catalyst events
Scheduled dates plus disclosed catalysts — earnings, dividends, enforcement, FDA and clinical-trial events. Colored dot = impact.
Oct 1, 2026
short_volume
Short Volume: AFRM — 57.6% short (1.2M / 2.0M)
Short: 1,176,033 | Exempt: 11,397 | TRF Vol: 2,040,767 | Short Ratio: 57.6% | Off-exchange volume (dark pool + OTC)
Sep 22, 2026
short_volume
Short Volume: AFRM — 58.5% short (1.4M / 2.3M)
Short: 1,367,212 | Exempt: 0 | TRF Vol: 2,335,253 | Short Ratio: 58.5% | Off-exchange volume (dark pool + OTC)
Sep 16, 2026
short_volume
Short Volume: AFRM — 62.0% short (1.1M / 1.8M)
Short: 1,109,328 | Exempt: 1,441 | TRF Vol: 1,789,967 | Short Ratio: 62.0% | Off-exchange volume (dark pool + OTC)
Sep 9, 2026
short_volume
Short Volume: AFRM — 63.2% short (1.7M / 2.7M)
Short: 1,724,192 | Exempt: 15,601 | TRF Vol: 2,728,373 | Short Ratio: 63.2% | Off-exchange volume (dark pool + OTC)
Sep 7, 2026
dark_pool
Dark Pool: AFRM — 5.0M shares, 88,777 trades
Week starting 2026-09-07. Total ATS volume: 5,004,791 shares across 88,777 trades.
Earnings estimates
Forecast earnings per share and revenue by period — and whether estimates are rising.
| Period | EPS Est. | Range | Growth | 30d Rev | Up/Dn | Revenue | # |
|---|---|---|---|---|---|---|---|
| Current Q | $0.83 | $0.70–$1.01 | 37.2% | -1.5% | 5↑ 0↓ | $1.2B | 6 |
| Next Q | $1.06 | $0.84–$1.29 | 46.3% | -1.6% | 2↑ 1↓ | $1.4B | 6 |
| Current FY | $3.83 | $3.11–$4.69 | -45.3% | -2.3% | 6↑ 1↓ | $5.5B | 7 |
| Next FY | $4.83 | $3.90–$5.67 | 26.0% | -0.5% | 5↑ 1↓ | $6.8B | 7 |
Current-quarter EPS estimate — revision history
| When | EPS estimate | Change vs now |
|---|---|---|
| Current | $0.834 | — |
| 7d ago | $0.859 | -0.025 |
| 30d ago | $0.847 | -0.013 |
| 60d ago | $0.847 | -0.013 |
| 90d ago | $0.873 | -0.039 |
Institutional ownership
Which big funds own AFRM (from quarterly 13F filings) and who is adding or trimming.
50 institutional holders with $18.6B total value (227,958,974 shares) as of 2026-Q2. Top holders: Capital, Capital, MORGAN. Net buying activity: 39 institutions added/increased vs 11 reduced.
Top holders — 2026-Q2
| Fund | Shares | Value | % Tracked | Last move |
|---|---|---|---|---|
| Capital Research Global Investors | 26,000,572 | $2.1B | 11.4% | — |
| Capital World Investors | 23,115,136 | $1.9B | 10.1% | — |
| MORGAN STANLEY | 23,000,269 | $1.9B | 10.1% | — |
| BlackRock, Inc. | 19,613,537 | $1.6B | 8.6% | — |
| FMR LLC | 17,581,656 | $1.4B | 7.7% | — |
| JPMORGAN CHASE & CO | 16,722,922 | $1.4B | 7.4% | DOUBLED +215.7% |
| VANGUARD CAPITAL MANAGEMENT LLC | 12,320,890 | $1.0B | 5.4% | — |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 11,886,405 | $969.3M | 5.2% | — |
| STATE STREET CORP | 6,349,214 | $517.8M | 2.8% | — |
| BAILLIE GIFFORD & CO | 5,856,569 | $477.6M | 2.6% | — |
Recent position changes
| Fund | Action | Prev | Current | Change | Value |
|---|---|---|---|---|---|
| JPMORGAN CHASE & CO | DOUBLED | 5,297,016 | 16,722,922 | +215.7% | $1.4B |
| Winslow Capital Management, LLC | NEW | — | 4,577,562 | — | $373.3M |
| NORGES BANK | NEW | — | 3,681,211 | — | $300.2M |
| SEI INVESTMENTS CO | DOUBLED | 220,818 | 1,705,507 | +672.4% | $139.1M |
| 1832 Asset Management L.P. | NEW | — | 1,534,400 | — | $125.1M |
| WESTFIELD CAPITAL MANAGEMENT CO LP | ADD | 1,080,636 | 1,352,200 | +25.1% | $110.3M |
| CITADEL ADVISORS LLC | TRIM | 4,071,115 | 1,248,374 | -69.3% | $101.8M |
| WELLINGTON MANAGEMENT GROUP LLP | TRIM | 2,742,715 | 1,243,908 | -54.6% | $101.4M |
| Artemis Investment Management LLP | ADD | 685,608 | 961,002 | +40.2% | $78.4M |
| MARSHALL WACE, LLP | TRIM | 2,707,974 | 950,683 | -64.9% | $77.5M |
Insider activity
Buying and selling by company executives and directors (SEC Form 4).
6 insiders, 50 transactions. Net -$18.7M — $0.00 bought, $18.7M sold.
| Date | Insider | Title | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| Sep 16, 2026 | Adkins Katherine | Chief Legal Officer | AWARD | 30,152 | — | — |
| Sep 16, 2026 | Linford Michael | President | AWARD | 67,006 | — | — |
| Sep 16, 2026 | Michalek Libor | President | AWARD | 67,006 | — | — |
| Sep 16, 2026 | O'Hare Robert | Chief Financial Officer | AWARD | 46,904 | — | — |
| Sep 14, 2026 | Jiyane Siphelele | Chief Accounting Officer | SELL | 26,980 | $72.19 | $1.9M |
| Sep 4, 2026 | Jiyane Siphelele | Chief Accounting Officer | SELL | 25,000 | $72.41 | $1.8M |
| Sep 3, 2026 | Adkins Katherine | Chief Legal Officer | EXERCISE | 37,260 | $23.35 | $870.0K |
| Sep 3, 2026 | Adkins Katherine | Chief Legal Officer | SELL | 41,664 | $75.53 | $3.1M |
| Sep 3, 2026 | Adkins Katherine | Chief Legal Officer | EXERCISE | 4,404 | $22.30 | $98.2K |
| Sep 2, 2026 | O'Hare Robert | Chief Financial Officer | SELL | 5,886 | $74.02 | $435.7K |
Short interest & halts
FINRA semi-monthly short positions, Reg SHO threshold status, and recent trading halts for AFRM.
Shares short
16,282,063
Settlement Sep 15, 2026
Change vs prior
+3.9%
Semi-monthly cycle
Days to cover
3.6
At avg daily volume
Of shares outstanding
≈4.8%
Estimate — not % of float
All AFRM filing & press-release reports (3)
- CLUSTER reportSep 9, 2026
- CLUSTER reportSep 4, 2026
- 144 reportJun 26, 2026